Bar Harbor Bank&Trust (FDIC #11971): Bank Stress & Real-Estate Credit Exposure
Bar Harbor Bank&Trust (FDIC Cert #11971): bank stress 53/100, moderate, STABLE over 7 days; parent BAR HARBOR BANKSHARES (BHB).
Bar Harbor Bank&Trust (#11971) lends in 15 counties across 3 states; Bar Harbor Bank&Trust (#11971) reaches 451 ZIP codes: Maine 7 counties, 226 ZIPs; New Hampshire 5 counties, 131 ZIPs; Vermont 3 counties, 94 ZIPs.
Bar Harbor Bank&Trust (#11971) largest markets: Penobscot County, ME (282 branches, 47 ZIPs) (#11971), Hancock County, ME (328 branches, 41 ZIPs) (#11971), Windsor County, VT (195 branches, 39 ZIPs) (#11971), Cumberland County, ME (38 branches, 38 ZIPs) (#11971), Grafton County, NH (481 branches, 37 ZIPs) (#11971), Hillsborough County, NH (204 branches, 34 ZIPs) (#11971).
Bar Harbor Bank&Trust (#11971) reports $4.73 billion in total assets; Bar Harbor Bank&Trust (#11971) equity $595.8 million (12.6% of Bar Harbor Bank&Trust (#11971) assets); Bar Harbor Bank&Trust (#11971) domestic deposits $3.86 billion; Bar Harbor Bank&Trust (#11971) net income $33.3 million; Bar Harbor Bank&Trust (#11971) return on assets 1.42%; Bar Harbor Bank&Trust (#11971) return on equity 11.40%; Bar Harbor Bank&Trust (#11971) net interest income $77.3 million; Bar Harbor Bank&Trust (#11971) call report June 30, 2026.
Bar Harbor Bank&Trust (#11971) noncurrent real-estate loans 0.20% of its book; Bar Harbor Bank&Trust (#11971) residential 0.46%; Bar Harbor Bank&Trust (#11971) net charge-offs on real estate 0.32%; Bar Harbor Bank&Trust (#11971) multifamily charge-offs 0.02%; Bar Harbor Bank&Trust (#11971) residential charge-offs 0.04%.
Bar Harbor Bank&Trust (#11971) net interest margin 3.66% against an eight-quarter Bar Harbor Bank&Trust (#11971) average of 3.42% (Bar Harbor Bank&Trust (#11971) compression -0.25 points); Bar Harbor Bank&Trust (#11971) real-estate loans 20.5% of equity; Bar Harbor Bank&Trust (#11971) non-residential real estate 4.4% of equity; Bar Harbor Bank&Trust (#11971) rate-exposure score 40/100, Bar Harbor Bank&Trust (#11971) fixed-rate trap 40/100; Bar Harbor Bank&Trust (#11971) risk type credit driven; Bar Harbor Bank&Trust (#11971) rate regime rates elevated; Bar Harbor Bank&Trust (#11971) shares 6.6% below the 52-week high, Bar Harbor Bank&Trust (#11971) equity trend stable, Bar Harbor Bank&Trust (#11971) snapshot October 19, 2026.
Bar Harbor Bank&Trust (#11971) stress score moved from 53.4 on June 22, 2026 to 53.1 on October 19, 2026; Bar Harbor Bank&Trust (#11971) ranged 53.1 to 53.4 over 116 snapshots.
Bar Harbor Bank&Trust (#11971) alerts: 15 counties; top Bar Harbor Bank&Trust (#11971) alert scores: Brunswick County, ME 22 (low); Lancaster County, ME 22 (low); Milbridge County, ME 22 (low); New London County, ME 22 (low); Orono County, ME 22 (low).