BlastPoint's Banking Scorecard
Bar Harbor Savings and Loan Association
Micro
Specialty: Mortgage
ME
FDIC cert 30878
Designations: ✓ Community bank ✓ Mutual
Bar Harbor, ME
2498
banks in Micro tier nationally
5 in ME
View Micro leaderboard (ME) →
Bar Harbor Savings and Loan Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.18% below tier
- - Net Interest Margin 2.27% below tier
- - Efficiency Ratio 35.75% above tier
- - Loan-to-Deposit Ratio 44.36% above tier
- - Non-Interest-Bearing Deposit Share 17.68% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.7M
+1.9% YoY
+2.0% QoQ
|
-$115.8M |
$217.5M
+2.3% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$87.3M
+2.3% YoY
+2.2% QoQ
|
-$51.9M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$73.5M
-3.1% YoY
+0.1% QoQ
|
-$110.2M |
$183.7M
+1.8% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
-0.10%
+81.5% YoY
+53.8% QoQ
|
-1.18% |
1.08%
+14.7% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
1.58%
+50.3% YoY
+5.7% QoQ
|
-2.27% |
3.85%
+6.6% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
103.48%
-35.9% YoY
-5.0% QoQ
|
+35.75% |
67.73%
-4.8% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.69%
+0.9% YoY
-11.6% QoQ
|
+1.05% |
0.64%
+24.4% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
118.88%
+5.5% YoY
+2.1% QoQ
|
+44.36% |
74.53%
+0.5% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.71%
+40.8% YoY
-2.7% QoQ
|
-17.68% |
22.39%
-1.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
1.45%
+1.3% YoY
-11.4% QoQ
|
+1.00% |
0.45%
+25.1% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.09%
+31.9% YoY
+19.2% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.58%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.48%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
118.88%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.71%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Total Loans
Current: $87.3M · Tier avg: $139.2M
23
23th pctile
Total Assets
Current: $101.7M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $73.5M · Tier avg: $183.7M
16
16th pctile
Delinquency Rate
Current: 1.69% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
6
6th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.08%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.71% · Tier avg: 22.39%
4
4th pctile
Efficiency Ratio
Current: 103.48% · Tier avg: 67.73%
1
1th pctile
Loan-to-Deposit Ratio
Current: 118.88% · Tier avg: 74.53%
1
1th pctile
Net Interest Margin
Current: 1.58% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.58% · Tier avg: 3.85%
1
1th pctile
Loan-to-Deposit Ratio
Current: 118.88% · Tier avg: 74.53%
4
4th pctile
Efficiency Ratio
Current: 103.48% · Tier avg: 67.73%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.71% · Tier avg: 22.39%
6
6th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.08%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.69% · Tier avg: 0.64%
19
19th pctile
Total Deposits
Current: $73.5M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $101.7M · Tier avg: $217.5M
38
38th pctile
Total Loans
Current: $87.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%