BAR HARBOR BANKSHARES is the bank holding company. BAR HARBOR BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

BAR HARBOR BANKSHARES

1 active bank · $4.7B combined assets

RSSD ID: 1115385 (FFIEC NIC)

Combined Assets

$4.7B

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBAR HARBOR BANK & TRUSTBAR HARBOR, MESatisfactory$4.7BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$4.7B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.9B

Net Income

$16M

ROA (avg)

1.34%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

876

Origination Rate

61.99%

Denial Rate

21.23%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
BAR HARBOR BANK & TRUST	BAR HARBOR, ME	FDIC	$4.7B	100.0%	Satisfactory	Jun 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.