Bar Harbor Bank&Trust: Bank Stress & Real-Estate Credit Exposure

At 53/100, Bar Harbor Bank&Trust's DLRadar bank-stress reading is moderate; the institution is filed under FDIC Cert #11971. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Bar Harbor Bank&Trust finances markets like Penobscot County, ME, Hancock County, ME, Windsor County, VT, Cumberland County, ME — the specific places where its credit posture translates into local lending capacity. The Bar Harbor Bank&Trust score updates as fresh FDIC call reports post each quarter, so its 53/100 reading and 14-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Bar Harbor Bank&Trust is directly comparable to any lender in the country. Because Bar Harbor Bank&Trust is publicly traded (BHB) under Bar Harbor Bankshares, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Rather than a standalone rating, the moderate score is tied to real markets — every one of the 436 ZIP codes Bar Harbor Bank&Trust lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its footprint is compact and regionally concentrated: 436 ZIP codes in 14 counties over 3 states. Its heaviest exposure sits in Maine (7 counties), New Hampshire (4 counties), Vermont (3 counties). The combination of a moderate reading and a compact footprint is what makes Bar Harbor Bank&Trust worth watching as a supply signal. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bar Harbor Bank&Trust's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Bar Harbor Bank&Trust tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.