🏦Bank Scorer

BAR HARBOR BANK & TRUST

BAR HARBOR, ME · Supervised by FDIC

Est. 1887FDIC #11,971RSSD: FDIC-11971
Part ofBAR HARBOR BANKSHARES→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

82 Main St, BAR HARBOR, ME

County

Hancock County

Established

September 15, 1887

Total Assets

$4.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.7B

Total Deposits

$3.9B

Net Loans

$3.6B

Net Income

$16M

ROA

1.34%

ROE

10.85%

Risk-Based Capital

13.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate21.23%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

54

Branch Deposits

$3.3B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202487661.99%21.23%
202399162.06%20.48%
20221,22067.46%15.41%
20211,84371.68%10.58%
20202,34467.75%13.35%
20191,35268.27%17.31%
20181,07471.14%14.34%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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