Bar Harbor Bank & Trust Mortgage Rates, Fees & Info
Bar Harbor, MELEI: 549300VR3QTN4GZYUR03
Tax ID: 01-0024810
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank Data
Overview
Bar Harbor Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Bar Harbor Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include Lebanon, Portland, Boston, Manchester, and Concord among others. Bar Harbor Bank & Trust has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Bar Harbor Bank & Trust is typically a low fee lendor.Originations
1,321Origination Dollar Volume (All Markets)
$432,885,000Employee count
420Awards
Bar Harbor Bank & Trust - 2021
Bar Harbor Bank & Trust is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Bar Harbor Bank & Trust's average 30 year fixed rate mortgage of loans were
3.21%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.06%.
Relative Fees
Bar Harbor Bank & Trust's average total fees for a 30 year fixed rate
mortgage are $3,299.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Lebanon, NH-VT (FHA|USDA|VA) | 362 | $102,470,000 | $283,066 | $3,075 | 3.02% |
| Outside of Metro Areas | 390 | $101,470,000 | $260,179 | $3,224 | 3.05% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 50 | $51,190,000 | $1,023,800 | $3,163 | 3.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 42 | $44,690,000 | $1,064,048 | $4,397 | 3.12% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 145 | $43,335,000 | $298,862 | $3,190 | 3.07% |
| Concord, NH (FHA|USDA|VA) | 144 | $41,940,000 | $291,250 | $3,236 | 3.00% |
| Rutland, VT (FHA|USDA|VA) | 36 | $8,700,000 | $241,667 | $3,194 | 2.88% |
| Keene, NH (FHA|USDA|VA) | 32 | $8,580,000 | $268,125 | $2,965 | 2.96% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 44 | $7,750,000 | $176,136 | $2,882 | 3.43% |
| Laconia, NH (FHA|USDA|VA) | 18 | $6,190,000 | $343,889 | $3,205 | 3.19% |
| BANGOR, ME (FHA|USDA|VA) | 33 | $5,515,000 | $167,121 | $2,754 | 3.09% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $3,155,000 | $3,155,000 | $0 | 3.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $2,850,000 | $712,500 | $4,936 | 3.13% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 8 | $1,460,000 | $182,500 | $3,585 | 2.88% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $4,452 | 3.08% |
| Barre, VT (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,413 | 2.85% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,207 | 3.63% |
| Bennington, VT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,753 | 3.38% |
| Berlin, NH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,814 | 3.81% |
Bar Harbor Bank & Trust's top markets include Lebanon, Portland, Boston, Manchester, and Concord among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 1,320 | $432,600,000 | $327,727 | $3,202 | 3.05% |
| USDA | 1 | $285,000 | $285,000 | $5,613 | 2.88% |
For the 2021 period, Bar Harbor Bank & Trust's most frequently originated loan type of loans were Conventional, with 1,320 originations. Their 2nd most popular type is USDA, with 1 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 547 | $229,555,000 | $419,662 | $3,618 | 3.21% |
| Refi | 409 | $116,875,000 | $285,758 | $2,779 | 2.80% |
| Cash Out Refi | 329 | $78,325,000 | $238,070 | $3,112 | 3.07% |
| Home Improvement | 18 | $3,840,000 | $213,333 | $2,639 | 3.27% |
| Other | 18 | $4,290,000 | $238,333 | $2,860 | 3.09% |
For the 2021, Bar Harbor Bank & Trust's most frequently cited loan purpose of loans were Home Purchase, with 547 originations. The 2nd most popular reason of loans were Refi, with 409 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 716 | $213,250,000 | $297,835 | $3,299 | 3.21% |
| 15 Year | 332 | $66,470,000 | $200,211 | $2,940 | 2.55% |
| 20 Year | 98 | $20,610,000 | $210,306 | $2,883 | 3.03% |
| 10 Year | 92 | $80,580,000 | $875,870 | $2,703 | 3.15% |
| 30+ year | 69 | $31,955,000 | $463,116 | $4,282 | 3.51% |
| Other | 9 | $3,215,000 | $357,222 | $3,961 | 3.64% |
| 5 Year | 4 | $13,650,000 | $3,412,500 | $0 | 3.95% |
| 3 Year | 1 | $3,155,000 | $3,155,000 | $0 | 3.25% |
For the 2021, Bar Harbor Bank & Trust's most frequently cited loan length of loans were 30 Year, with 716 originations. The 2nd most popular length of loans were 15 Year, with 332 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 953 | $257,865,000 | $270,582 |
| $1k-2k | 175 | $41,315,000 | $236,086 |
| $2k-3k | 51 | $15,165,000 | $297,353 |
| $3k-4k | 30 | $11,050,000 | $368,333 |
| $5k+ | 11 | $5,105,000 | $464,091 |
$3,299 of loans were Bar Harbor Bank & Trust's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 953 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 527 | $233,895,000 | $443,824 |
| 2.5-3% | 509 | $141,025,000 | $277,063 |
| <2.5% | 229 | $44,565,000 | $194,607 |
| 4-5% | 53 | $12,825,000 | $241,981 |
| 5-6% | 3 | $575,000 | $191,667 |
During 2021, Bar Harbor Bank & Trust's average interest rate of loans were 3.21%, while their most frequently originated rate bucket of loans were 3-4%, with 527 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 497 | $136,505,000 | $274,658 | $3,245 | 3.10% |
| $100k-200k | 467 | $69,955,000 | $149,797 | $2,806 | 2.99% |
| $100,000 or less | 148 | $11,160,000 | $75,405 | $2,565 | 2.91% |
| $400k-600k | 122 | $59,100,000 | $484,426 | $3,969 | 3.10% |
| $600k-1MM | 59 | $45,565,000 | $772,288 | $4,570 | 3.20% |
| $1MM+ | 28 | $110,600,000 | $3,950,000 | $6,902 | 3.29% |
2021 saw Bar Harbor Bank & Trust place emphasis on $200k-400k loans with 497 originations, totaling $136,505,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 299 | $73,345,000 | $245,301 | $3,051 | 3.04% |
| $150k-250k | 236 | $76,220,000 | $322,966 | $3,445 | 2.98% |
| $50k-75k | 217 | $37,575,000 | $173,157 | $2,946 | 3.03% |
| $75k-100k | 208 | $39,890,000 | $191,779 | $3,043 | 2.99% |
| $250k+ | 173 | $97,005,000 | $560,723 | $4,119 | 3.01% |
| $50k or less | 139 | $16,665,000 | $119,892 | $2,692 | 3.06% |
Bar Harbor Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 299 originations. The second most popular income band? $150k-250k, with 236 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 323 | $81,085,000 | $251,037 | $3,133 | 2.92% |
| 30-36% | 256 | $70,920,000 | $277,031 | $3,252 | 3.06% |
| <20% | 170 | $44,130,000 | $259,588 | $3,026 | 2.88% |
| 42% | 60 | $18,510,000 | $308,500 | $3,549 | 3.08% |
| 38% | 56 | $16,920,000 | $302,143 | $3,371 | 3.13% |
| 44% | 49 | $14,155,000 | $288,878 | $3,536 | 3.19% |
| 41% | 49 | $15,405,000 | $314,388 | $3,628 | 2.97% |
| 36% | 40 | $11,110,000 | $277,750 | $3,355 | 3.11% |
| 43% | 38 | $9,690,000 | $255,000 | $3,112 | 3.22% |
| 37% | 37 | $9,295,000 | $251,216 | $3,219 | 3.10% |
| 39% | 37 | $9,375,000 | $253,378 | $2,966 | 3.14% |
| 40% | 35 | $11,995,000 | $342,714 | $3,177 | 3.05% |
| 45% | 33 | $8,495,000 | $257,424 | $3,171 | 3.16% |
| 49% | 27 | $6,015,000 | $222,778 | $2,985 | 2.97% |
| 48% | 21 | $4,475,000 | $213,095 | $2,916 | 2.96% |
| 46% | 19 | $3,545,000 | $186,579 | $2,890 | 2.70% |
| 47% | 15 | $3,695,000 | $246,333 | $3,289 | 3.08% |
| 50-60% | 6 | $1,730,000 | $288,333 | $3,050 | 2.98% |
Bar Harbor Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 323 originations. The next most common DTI ratio? 30-36%, with 256 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,135 | $289,695,000 | $255,238 | $3,176 | 3.01% |
| Not applicable | 41 | $90,985,000 | $2,219,146 | $0 | 4.01% |
| Not provided | 108 | $39,620,000 | $366,852 | $3,469 | 3.09% |
| Asian | 20 | $7,380,000 | $369,000 | $3,441 | 3.13% |
| American Indian | 10 | $3,050,000 | $305,000 | $3,013 | 2.86% |
| Filipino | 1 | $905,000 | $905,000 | $5,674 | 3.63% |
| Asian Indian | 3 | $665,000 | $221,667 | $2,708 | 2.96% |
| Black | 1 | $315,000 | $315,000 | $2,886 | 3.25% |
| Other Asian | 2 | $270,000 | $135,000 | $2,518 | 2.88% |
Approval Rates
Total approvals of all applications87.08%
Bar Harbor Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination79.89%
Bar Harbor Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,321 | $432,885,000 | $327,695 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,321 | $432,885,000 | $327,695 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 146 | $23,260,000 | $159,315 | $2,741 | 2.73% |
| 40-60% | 315 | $69,885,000 | $221,857 | $3,017 | 2.84% |
| 60-80% | 548 | $222,600,000 | $406,204 | $3,239 | 3.17% |
| 80-100% | 286 | $101,430,000 | $354,650 | $3,616 | 3.20% |
| Over 100% | 1 | $12,375,000 | $12,375,000 | $0 | 3.12% |
| Under 20% | 22 | $2,840,000 | $129,091 | $2,730 | 3.17% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Bar Harbor Bank & Trust | 188 Main Street Nashua, NH 3060 | Full Service B&M | $57,643 |
| Bar Harbor Bank & Trust | 100 Woodstock Avenue Rutland, VT 5701 | Full Service B&M | $39,236 |
| Bar Harbor Bank & Trust | 1001 Elm Street Suite 101 Manchester, NH 3101 | Full Service B&M | $18,293 |
| Bar Harbor Bank & Trust | 335 Main Street Waterville, ME 4901 | Full Service B&M | $26,887 |
| Bar Harbor Bank & Trust | 345 Washington St Claremont, NH 3743 | Full Service B&M | $24,753 |
| Bar Harbor Bank & Trust | 366 Wilson Street Brewer, ME 4412 | Full Service B&M | $44,101 |
| Bar Harbor Bank & Trust | 368 Route 3 South China, ME 4358 | Full Service B&M | $33,245 |
| Bar Harbor Bank & Trust | 385 Main Street Winter Harbor, ME 4693 | Full Service B&M | $33,696 |
| Bar Harbor Bank & Trust | 44 Moosehead Trail Newport, ME 4953 | Full Service Retail | $30,902 |
| Bar Harbor Bank & Trust | 468 Us Rt 4 Enfield, NH 3748 | Full Service B&M | $21,189 |
| Bar Harbor Bank & Trust | 5 Kilton Road Bedford, NH 3110 | Full Service B&M | $3,951 |
| Bar Harbor Bank & Trust | 52 Railroad Street South Royalton, VT 5068 | Full Service B&M | $37,491 |
| Bar Harbor Bank & Trust | 565 Route 11 Sunapee, NH 3782 | Full Service B&M | $58,681 |
| Bar Harbor Bank & Trust | 68 Washington Street Lubec, ME 4652 | Full Service B&M | $30,499 |
| Bar Harbor Bank & Trust | 69 Main Street Orono, ME 4473 | Full Service B&M | $34,053 |
| Bar Harbor Bank & Trust | 7 Lawrence Street Andover, NH 3216 | Full Service B&M | $42,144 |
| Bar Harbor Bank & Trust | 8 Loudon Road Concord, NH 3301 | Full Service B&M | $16,334 |
| Bar Harbor Bank & Trust | 1055 Main Street, Route 102 Mount Desert, ME 4660 | Full Service B&M | $25,223 |
| Bar Harbor Bank & Trust | 106 Hanover Street Lebanon, NH 3766 | Full Service B&M | $36,280 |
| Bar Harbor Bank & Trust | 109 Main Street Pittsfield, ME 4967 | Full Service B&M | $23,461 |
| Bar Harbor Bank & Trust | 111 Main Street Northeast Harbor, ME 4662 | Full Service B&M | $44,915 |
| Bar Harbor Bank & Trust | 115 Main Street Bradford, NH 3221 | Full Service B&M | $35,835 |
| Bar Harbor Bank & Trust | 116 Newport Road New London, NH 3257 | Full Service B&M | $100,671 |
| Bar Harbor Bank & Trust | 12 South St Hanover, NH 3755 | Full Service B&M | $17,888 |
| Bar Harbor Bank & Trust | 137 High Street Ellsworth, ME 4605 | Full Service B&M | $138,232 |
| Bar Harbor Bank & Trust | 148 Bath Road Brunswick, ME 4011 | Full Service B&M | $28,908 |
| Bar Harbor Bank & Trust | 15 Antrim Road Hillsboro, NH 3244 | Full Service B&M | $57,964 |
| Bar Harbor Bank & Trust | 150 Main Street New London, NH 3257 | Full Service B&M | $92,273 |
| Bar Harbor Bank & Trust | 1583 Vt 107 Bethel, VT 5032 | Full Service B&M | $19,850 |
| Bar Harbor Bank & Trust | 165 Route 10 Grantham, NH 3753 | Full Service B&M | $62,158 |
| Bar Harbor Bank & Trust | 82 Main St Bar Harbor, ME 4609 | Full Service B&M | $557,023 |
| Bar Harbor Bank & Trust | 83 Main Street West Lebanon, NH 3784 | Full Service B&M | $49,480 |
| Bar Harbor Bank & Trust | 85 N Main Street Rochester, VT 5767 | Full Service B&M | $22,701 |
| Bar Harbor Bank & Trust | 9 Main Street Newport, NH 3773 | Full Service B&M | $112,452 |
| Bar Harbor Bank & Trust | 906 West Woodstock Road Woodstock, VT 5091 | Limited, Drive-thru | $0 |
| Bar Harbor Bank & Trust | 920 Stillwater Avenue Bangor, ME 4401 | Full Service B&M | $22,800 |
| Bar Harbor Bank & Trust | 976 Route 103 Newbury, NH 3255 | Full Service B&M | $16,042 |
| Bar Harbor Bank & Trust | 992 Union Street Bangor, ME 4401 | Full Service B&M | $29,596 |
| Bar Harbor Bank & Trust | Main & Bridge Street Milbridge, ME 4658 | Full Service B&M | $33,643 |
| Bar Harbor Bank & Trust | One Bond Street Woodstock, VT 5091 | Full Service B&M | $69,091 |
| Bar Harbor Bank & Trust | Two Park Street Brandon, VT 5733 | Full Service B&M | $63,320 |
| Bar Harbor Bank & Trust | Us Route 7 And Depot Hill Road Pittsford, VT 5763 | Full Service B&M | $22,444 |
| Bar Harbor Bank & Trust | 189 Vermont Route 12 South Randolph, VT 5060 | Limited, Drive-thru | $2,597 |
| Bar Harbor Bank & Trust | 2-4 Main Street Peterborough, NH 3458 | Full Service B&M | $47,718 |
| Bar Harbor Bank & Trust | 20 Main Street Machias, ME 4654 | Full Service B&M | $24,041 |
| Bar Harbor Bank & Trust | 20 Methodist Lane Williamstown, VT 5679 | Full Service B&M | $19,595 |
| Bar Harbor Bank & Trust | 200 Heater Road Lebanon, NH 3766 | Full Service B&M | $65,574 |
| Bar Harbor Bank & Trust | 201 Main Street Bangor, ME 4401 | Full Service B&M | $81,067 |
| Bar Harbor Bank & Trust | 21 Main Street Blue Hill, ME 4614 | Full Service B&M | $85,136 |
| Bar Harbor Bank & Trust | 21 Main Street Randolph, VT 5060 | Full Service B&M | $67,942 |
| Bar Harbor Bank & Trust | 245 Camden Street (U.S. Route 1) Rockland, ME 4841 | Full Service B&M | $35,809 |
| Bar Harbor Bank & Trust | 25 Church Street Deer Isle, ME 4627 | Full Service B&M | $73,031 |
| Bar Harbor Bank & Trust | 314 Main Street Southwest Harbor, ME 4679 | Full Service B&M | $68,564 |
| Bar Harbor Bank & Trust | 321 Elm St Milford, NH 3055 | Full Service B&M | $23,089 |
For 2021, Bar Harbor Bank & Trust had 54 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $110,784 |
| Net interest income | $98,461 |
| Total noninterest income | $38,525 |
| Gross Fiduciary activities income | $13,381 |
| Service charges on deposit accounts | $3,938 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $21,206 |
| Pre-tax net operating income | $53,106 |
| Securities gains (or losses, -) | $2,870 |
| Income before extraordinary items | $44,906 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $44,906 |
| Minority interest net income | $0 |
| Net income | $44,906 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $42,610 |
Bar Harbor Bank & Trust's gross interest income from loans was $110,784,000.
Bar Harbor Bank & Trust's net interest income from loans was $98,461,000.
Bar Harbor Bank & Trust's fee based income from loans was $3,938,000.
Bar Harbor Bank & Trust's net income from loans was $44,906,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $12,323 |
| Provision for credit losses | $-1,124 |
| Total noninterest expense | $85,004 |
| Salaries and employee benefits | $42,729 |
| Premises and equipment expense | $11,816 |
| Additional noninterest expense | $30,459 |
| Applicable income taxes | $11,070 |
| Net charge-offs | $291 |
| Cash dividends | $15,557 |
Bar Harbor Bank & Trust's interest expense for loans was $12,323,000.
Bar Harbor Bank & Trust's payroll and benefits expense were $42,729,000.
Bar Harbor Bank & Trust's property, plant and equipment expenses $11,816,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $3,051,149 |
| Deposits held in domestic offices | $3,051,149 |
| Deposits by Individuals, partnerships, and corporations | $2,687,560 |
| Deposits by U.S. Government | $1,579 |
| Deposits by States and political subdivisions in the U.S. | $297,212 |
| Deposits by Commercial banks and other depository institutions in U.S. | $64,798 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $706,803 |
| Demand deposits | $218,277 |
| Nontransaction accounts | $2,344,346 |
| Money market deposit accounts (MMDAs) | $1,290,144 |
| Other savings deposits (excluding MMDAs) | $628,670 |
| Total time deposits | $425,532 |
| Total time and savings deposits | $2,832,872 |
| Noninterest-bearing deposits | $667,025 |
| Interest-bearing deposits | $2,384,124 |
| Retail deposits | $2,969,703 |
| IRAs and Keogh plan accounts | $57,409 |
| Brokered deposits | $16,145 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $3,706,587 |
| Cash & Balances due from depository institutions | $249,851 |
| Interest-bearing balances | $216,936 |
| Total securities | $618,268 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,514,716 |
| Loan and leases loss allowance | $22,718 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $48,589 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $129,883 |
| All other assets | $145,280 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $3,706,587 |
| Total Liabilities | $3,226,673 |
| Total deposits | $3,051,149 |
| Interest-bearing deposits | $2,384,124 |
| Deposits held in domestic offices | $3,051,149 |
| % insured (estimated) | $88 |
| Federal funds purchased and repurchase agreements | $19,802 |
| Trading liabilities | $0 |
| Other borrowed funds | $98,598 |
| Subordinated debt | $0 |
| All other liabilities | $57,124 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,514,716 |
| Loan and leases loss allowance | $22,718 |
| Total loans and leases (domestic) | $2,537,434 |
| All real estate loans | $2,180,919 |
| Real estate loans in domestic offices | $2,180,919 |
| Construction and development loans | $86,221 |
| Residential 1-4 family construction | $29,958 |
| Other construction, all land development and other land | $56,263 |
| Loans secured by nonfarm nonresidential properties | $991,618 |
| Nonfarm nonresidential secured by owner-occupied properties | $238,075 |
| Commercial real estate & other non-farm, non-residential | $753,543 |
| Multifamily residential real estate | $133,549 |
| 1-4 family residential loans | $950,486 |
| Farmland loans | $19,045 |
| Loans held in foreign offices | $0 |
| Farm loans | $26,791 |
| Commercial and industrial loans | $233,669 |
| To non-U.S. addressees | $203 |
| Loans to individuals | $8,121 |
| Credit card loans | $1,047 |
| Related Plans | $865 |
| Consumer Auto Loans | $1,830 |
| Other loans to individuals | $4,379 |
| All other loans & leases | $87,933 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $46,626 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $32 |
| Restructured Loans & leases | $3,848 |
| Non 1-4 family restructured loans & leases | $1,383 |
| Total loans and leases (foreign) | $0 |
Bar Harbor Bank & Trust had $2,514,716,000 of loans outstanding in 2021. $2,180,919,000 of loans were in real estate loans. $86,221,000 of loans were in development loans. $133,549,000 of loans were in multifamily mortgage loans. $950,486,000 of loans were in 1-4 family mortgage loans. $26,791,000 of loans were in farm loans. $1,047,000 of loans were in credit card loans. $1,830,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 902 | $165,743 | $183,751 |
| Nonfarm, nonresidential loans - <$100k | 173 | $5,457 | $31,543 |
| Nonfarm, nonresidential loans - $100-250k | 339 | $37,974 | $112,018 |
| Nonfarm, nonresidential loans - $250k-1MM | 390 | $122,312 | $313,621 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,448 | $57,401 | $39,642 |
| Commercial & Industrial, US addressed loans - <$100k | 1,112 | $12,811 | $11,521 |
| Commercial & Industrial, US addressed loans - $100-250k | 204 | $16,110 | $78,971 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 132 | $28,480 | $215,758 |
| Farmland loans - <$1MM | 16 | $1,666 | $104,125 |
| Farmland loans - <$100k | 7 | $204 | $29,143 |
| Farmland loans - $100-250k | 9 | $1,462 | $162,444 |
| Agriculture operations loans - <$1MM | 217 | $13,348 | $61,512 |
| Agriculture operations loans - <$100k | 139 | $3,393 | $24,410 |
| Agriculture operations loans - $100-250k | 62 | $6,615 | $106,694 |
| Agriculture operations loans - $250k-1MM | 16 | $3,340 | $208,750 |
