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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Maine, the state note

Bar Harbor Bank & Trust

Bar Harbor, Maine · $4.73B in assets · beside the 11 other New England banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+14.9%
Loans, year over year
2nd of 12, largest first
93.9%
Loans / deposits
4th of 12
12.6%
Equity / assets
4th of 12

Bar Harbor Bank & Trust is the sixth largest of the 12 New England banks nearest its size between $3B and $10B, with $4.73B in assets at 30 June 2026. Loans are 93.9% of deposits, 4th of 12 against a median of 98.8%, and equity is 12.6% of assets, 4th of 12. Loans grew +14.9% in the year, 2nd of 12, and deposits grew 17.0%; the cohort's median loan growth is +7.0%.

Noncurrent loans are 0.32% of the book, 4th of 12 against a median of 0.50%; 0.12% is 30 to 89 days past due, and the allowance covers them 2.8 times. Net charge-offs are 0.19% of loans, 10th of 12. Commercial real estate is 47.1% of loans, 9th of 12 against a median of 41.1%, and 335% of capital, above the 300% screen, with construction at 54% against the 100% screen.

Return on assets is 1.42%, 4th of 12 against a median of 1.05%, on an efficiency ratio of 56.1%, 5th of 12. Five years ago it was 1.14%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 9.0% of loans).

Commercial real estate, share of loansNew England banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 41.1% CC Cape Cod Five Cents Savings Bank 11.2% IS Institution Savings Newburyport & 21.1% LB Leader Bank National Association 32.3% NB Northern Bank & Trust Co. 32.3% P Peoplesbank 34.8% TB Trunorth Bank 39.4% BB Bankwell Bank 42.9% MS Middlesex Savings Bank 44.4% BH Bar Harbor Bank & Trust 47.1% US Union Savings Bank 54.6% NB Northeast Bank 66.7% HI Hingham Institution for Savings 71.6%
Loans, year over yearNew England banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.0% NB Northeast Bank +21.2% BH Bar Harbor Bank & Trust +14.9% BB Bankwell Bank +10.9% LB Leader Bank National Association +10.2% US Union Savings Bank +7.6% TB Trunorth Bank +7.5% MS Middlesex Savings Bank +6.4% NB Northern Bank & Trust Co. +3.8% P Peoplesbank +3.1% IS Institution Savings Newburyport & +2.6% HI Hingham Institution for Savings -0.7% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Bar Harbor Bank & Trust is the 9th largest 7(a) lender into New Hampshire of 177, with $53M across 374 loans, 2.9% of everything approved in the state (TD Bank, National Association leads with $151M). 13 of its 30 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Hampshire, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Grafton, NH$16M1st of 5612.9%-7.3 pts
Hancock, ME$14M1st of 2623.0%-2.8 pts
Hillsborough, NH$12M13th of 1172.4%+1.7 pts
Merrimack, NH$9M6th of 624.9%-3.4 pts
Penobscot, ME$8M7th of 504.7%+8.6 pts
Rutland, VT$7M2nd of 3311.3%quiet FY2022
Coos, NH$6M3rd of 3113.2%-19.1 pts
Windsor, VT$6M2nd of 3310.8%-3.3 pts
Waldo, ME$6M2nd of 2218.3%thin
Orange, VT$6M1st of 2222.7%+11.2 pts
Sullivan, NH$4M4th of 2512.0%-5.2 pts
Rockingham, NH$3M44th of 1080.5%quiet FY2016
Washington, ME$2M2nd of 1912.1%-9.6 pts
17 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Real estate & leasing43$18M16.5%0.15%118th of 1,452
Manufacturing61$17M15.1%0.04%332nd of 2,246
Retail trade129$14M12.7%0.02%394th of 2,589
Accommodation & food services88$12M10.7%0.02%521st of 2,596
Wholesale trade39$8M7.2%0.03%338th of 1,651
7(a) lenders into New Hampshire, share of approvals since FY2008177 lenders on record; the ten largest and Bar Harbor
TB TD Bank, National Association 8.3% $151M · 1,346 loans LO Live Oak Banking Company 6.9% $125M · 110 loans EB Eastern Bank 5.4% $98M · 739 loans PB Primary Bank 5.0% $91M · 246 loans Ma Manufacturers and Traders Trust C… 4.7% $86M · 412 loans CB Citizens Bank, National Associati… 4.0% $72M · 563 loans NB Needham Bank 3.7% $67M · 249 loans RT Rockland Trust Company 3.4% $62M · 258 loans BH Bar Harbor Bank & Trust 2.9% $53M · 374 loans BS Bangor Savings Bank 2.8% $50M · 279 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Bar HarborRankCohort median
Total CRE against capital, the 300% screen335%9th of 12267%
Construction against capital, the 100% screen54%11th of 1230%
Construction and land development, share of loans7.6%11th of 124.8%
Non-owner-occupied nonfarm nonresidential, share of loans30.4%9th of 1222.8%
Total CRE, the guidance definition, share of loans47.1%9th of 1241.1%
CRE growth over 36 months, the third prong+27.5%8th of 12+12.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Northeast Bank$5.23B2.5%35.7%0.55%0.23%1.3%123.0%11.6%
Bar Harbor Bank & Trust$4.73B1.4%56.1%0.32%0.19%0.9%93.9%12.6%
Peoplesbank$4.62B0.4%72.0%0.57%0.21%0.6%100.3%8.9%
Hingham Institution for Savings$4.56B1.2%36.3%0.78%0.00%0.8%150.5%11.1%
Bankwell Bank$3.47B1.6%44.2%0.54%0.01%1.0%97.4%10.2%
Northern Bank & Trust Co.$3.38B1.9%47.1%2.07%0.07%2.2%102.9%14.1%
Trunorth Bank$3.32B1.0%60.9%0.58%0.12%0.5%92.7%14.7%
Union Savings Bank$3.30B0.8%69.7%0.29%-0.01%1.0%93.6%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bar HarborCohort median
20212026Change20212026Change
Loans$2.52B$3.62B+44%$2.29B$3.71B+62%
Deposits$2.83B$3.86B+36%$2.40B$3.44B+43%
NPA / loans0.56%0.32%-0.24 pts0.61%0.50%-0.10 pts
Efficiency62.4%56.1%-6.3 pts58.5%62.1%+3.7 pts
ROA1.14%1.42%+0.28 pts1.26%1.05%-0.21 pts

This read was prepared for Bar Harbor Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bar Harbor Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort New England banks $3B to $10B
Institution www.barharbor.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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