Bar Harbor Bank & Trust Mortgage Rates, Fees & Info
Bar Harbor, ME
LEI: 549300VR3QTN4GZYUR03
Tax ID: 01-0024810
5 stars
-
out of 5 stars, based on 36 reviews
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Mortgage Data
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
1,321
Origination Dollar Volume (All Markets)
$432,885,000
Employee count
420
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Bar Harbor Bank & Trust - 2021
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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 applications
87.08%
Bar Harbor Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination
79.89%
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
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.
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 |