Total Assets
$102M
Total balance-sheet footings
FDIC Cert #30878 · Bar Harbor, Maine · Est. 1902
Bar Harbor Savings and Loan Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $102M
- Total assets
- D
- Health grade · Weak
- -0.10%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bar Harbor Savings and Loan Association earns a PlainBankData health grade of D (44/100), with well-capitalized at 11.45% Tier 1, -0.10% ROA, 103% efficiency ratio.
- #3,728
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 11.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 30878 · ME D · 44/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-D D (44/100)
- BOTTOM-DECILE #4216/4307
- PHOTO-FINISH Axiom Bank, National… · FL
- TIER1-WELL 11.5% Tier 1
- TEXAS-CLEAN 11.7% Texas
- ROA-LOSS -0.10% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Maine: Axiom Bank, National Association, FL (±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 Savings and Loan Associati…
Lowest and highest poles plus nearest scored peers outside Maine, not a full FDIC corpus board reprint.
Plate reading for Bar Harbor Savings and Loan Associati… where failures stay rare
Bar Harbor Savings and Loan Association (FDIC Cert #30878) carries a PlainBankData health grade of D at 44/100, 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 #4,216 of 4,307. Tier 1 capital prints at 11.45%, clearing the 10% well-capitalized line. The Texas Ratio is 11.67%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.10%. Balance-sheet scale is $102M, 3,728th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Axiom Bank, National Association (FL), 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 Savings and Loan Associati…
Zero FAILURE resolutions in Maine since 2000
Bar Harbor Savings and Loan Association 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 Savings and Loan Association's 44/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.45%) 28/40
Return on Assets (ROA) (-0.10%) 0/25
Texas Ratio (11.67%) 16/20
Efficiency Ratio (103.48%) 0/15
44 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$73M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$-96K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bar Harbor Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bar Harbor Savings and Loan Association's score of 44/100 falls in the highlighted band.
Bar Harbor Savings and Loan Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
44 2nd percentile higher than 2% of 4,307 FDIC-insured banks
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 Savings and Loan Association'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 Savings and Loan Association's $102M falls in the highlighted band.
Safety metrics: Bar Harbor Savings and Loan Associati…
Tier 1 capital ratio
Well-capitalized 10%
11.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.45%
Texas Ratio
11.67%
Equity Capital
$12M
Profitability metrics: Bar Harbor Savings and Loan Associati…
Return on Assets (ROA)
5th percentile nationally
-0.10%
Return on Equity (ROE)
-0.81%
Efficiency Ratio
103.48%
Income & expense: loss period at Bar Harbor Savings and Loan Associati…
$5M
Interest Income
$90K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bar Harbor Savings and Loan Association reports a Texas Ratio of 11.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Bar Harbor Savings and Loan Association
Bar Harbor Savings and Loan Association's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-96K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bar Harbor Savings and Loan Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Maine by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($102M here), outside Maine so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bar Harbor Savings and Loan Association (FDIC Cert #30878) - 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 Savings and Loan Association 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 →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bangor Savings BankBangor | $7.4B | C | 0.39% |
| The Camden National BankCamden | $7.0B | A | 1.03% |
| Northeast BankPortland | $4.9B | A | 2.01% |
| Bar Harbor Bank & TrustBar Harbor | $4.7B | A | 1.03% |
| 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% |