FDIC Cert #11971 · Bar Harbor, Maine · Est. 1887

Bar Harbor Bank & Trust - FDIC Bank Health Profile

A community-scale look at Bar Harbor Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.7B
Total assets
A
Health grade · Excellent
1.03%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Bar Harbor Bank & Trust earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.10% Tier 1, profitable at 1.03% ROA, 61% efficiency ratio.

#304
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
12.10%
Tier 1 ratio - above the 10% well-capitalized line
45th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 11971 · ME A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1528/4307
  • PHOTO-FINISH Bank of Abbeville &… · LA
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-PAR 1.03% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: Bank of Abbeville & Trust Company, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bar Harbor Bank & Trust

Lowest and highest poles plus nearest scored peers outside Maine, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Abbeville &… · LA · …83/100Bar Harbor Bank & Tr… · ME ·…83/100Belgrade State Bank · MO · n…83/100Fairview State Banki… · IL ·…83/100FreedomBank · IA · near83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bar Harbor Bank & Trust · July 2026

Plate reading for Bar Harbor Bank & Trust where failures stay rare

Bar Harbor Bank & Trust (FDIC Cert #11971) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,528 of 4,307. Tier 1 capital prints at 12.10%, clearing the 10% well-capitalized line. The Texas Ratio is 1.91%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.03%. Balance-sheet scale is $4.7B, 304th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Abbeville & Trust Company (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bar Harbor Bank & Trust

Zero FAILURE resolutions in Maine since 2000

Bar Harbor Bank & Trust is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FSA LEWISTON, ME 1992 → KINGFIELD SB
  • MAINE SAVINGS BANK PORTLAND, ME 1991 → FLEET BANK OF MAINE
  • MAINE NATIONAL BANK PORTLAND, ME 1991 → NEW MAINE NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maine banks.

How Bar Harbor Bank & Trust's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Bar Harbor Bank & Trust's composite health score
Tier 1 Capital Ratio (12.10%) 35/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (1.91%) 20/20
Efficiency Ratio (61.49%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$4.7B

Total balance-sheet footings

Total Deposits

$3.8B

Customer-funded liabilities

Net Loans

$3.6B

Outstanding loan book

Net Income

$45M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.7% 12.1% 13.5%
Basel III capital ratios - Bar Harbor Bank & Trust

Where Bar Harbor Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bar Harbor Bank & Trust's score of 83/100 falls in the highlighted band.

Bar Harbor Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bar Harbor Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bar Harbor Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bar Harbor Bank & Trust's $4.7B falls in the highlighted band.

Safety metrics: Bar Harbor Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

12.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.10%
Texas Ratio
1.91%
Equity Capital
$573M

What these ratios mean →

Earnings posture at Bar Harbor Bank & Trust

Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
8.46%
Efficiency Ratio
61.49%

What these mean →

Income & expense at Bar Harbor Bank & Trust

$209M
Interest Income
$40M
Non-Interest Income
$111M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bar Harbor Bank & Trust reports a Texas Ratio of 1.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bar Harbor Bank & Trust on FDIC BankFind →

Top banks in Maine by total assets

Largest banks headquartered in Maine
  1. 1
    Bangor Savings Bank $7.4B

    Bangor, ME · Grade C

  2. 2
    The Camden National Bank $7.0B

    Camden, ME · Grade A

  3. 3
    Northeast Bank $4.9B

    Portland, ME · Grade A

  4. 4
    Bar Harbor Bank & Trust $4.7B

    Bar Harbor, ME · Grade A

  5. 5
    First National Bank $3.1B

    Damariscotta, ME · Grade A

Top 5 banks in Maine ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.7B here), outside Maine so the neighborhood is not state containment.

First Bank & Trust $4.7B · SD Hills Bank and Trust Company $4.6B · IA Metro City Bank $4.7B · GA Coastal Community Bank $4.7B · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bar Harbor Bank & Trust (FDIC Cert #11971) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bar Harbor Bank & Trust Call Report profile · FDIC Failed Bank List · Maine FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maine

All Maine banks →
BankAssetsGradeROA
Bangor Savings BankBangor $7.4B C 0.39%
The Camden National BankCamden $7.0B A 1.03%
Northeast BankPortland $4.9B A 2.01%
First National BankDamariscotta $3.1B A 1.13%
Maine Community BankPortland $2.9B C 0.70%
Machias Savings BankMachias $2.7B B 0.89%
Norway Savings BankNorway $2.1B B 1.00%
Kennebunk Savings BankKennebunk $2.0B B 0.75%