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.
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.
Bar Harbor Savings and Loan Association's 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'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
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
Return on Assets (ROA)
5th percentile nationally
-0.10%
Return on Equity (ROE)
-0.81%
Efficiency Ratio
103.48%
What the numbers say about Bar Harbor Savings and Loan Association
Bar Harbor Savings and Loan Association is an FDIC-insured institution (Certificate #30878) headquartered in Bar Harbor, Maine, established in 1902. It holds $102M in total assets - 3,728th of 4,313 FDIC-insured banks, $73M in customer deposits, and $87M in net loans. Its capital position: a Tier 1 ratio of 11.45%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.67% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (44 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bar Harbor Savings and Loan Association is a community-scale institution -- 21st of 22 FDIC-insured banks headquartered in Maine by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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
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.
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% |
Frequently asked questions
What is Bar Harbor Savings and Loan Association's health grade?▼
Bar Harbor Savings and Loan Association receives a health grade of D (44/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Bar Harbor Savings and Loan Association?▼
Bar Harbor Savings and Loan Association holds $102M in total assets and $73M in deposits, ranking 3,728th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bar Harbor, Maine.
Is my money safe at Bar Harbor Savings and Loan Association?▼
Yes, deposits at Bar Harbor Savings and Loan Association (Certificate #30878) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bar Harbor Savings and Loan Association's Tier 1 Capital Ratio?▼
Bar Harbor Savings and Loan Association has a Tier 1 Capital Ratio of 11.45%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bar Harbor Savings and Loan Association?▼
Bar Harbor Savings and Loan Association has a Texas Ratio of 11.67%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bar Harbor Savings and Loan Association?▼
Bar Harbor Savings and Loan Association has an Efficiency Ratio of 103.48%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bar Harbor Savings and Loan Association's profile as a depositor or analyst.
- Bar Harbor Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bar Harbor Savings and Loan Association against other Maine banks before moving funds. Maine banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.