Bar Harbor Bank & Trust Mortgage Rates, Fees & Info

Bar Harbor, ME

LEI: 549300VR3QTN4GZYUR03

Tax ID: 01-0024810

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bar Harbor Bank & Trust is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Bar Harbor Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Lebanon, Manchester, Concord, Boston, and Keene among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bar Harbor Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bar Harbor Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.77% 11/23/24
    30 Year Conventional Purchase 6.30% 11/23/24
    30 Year Conventional Refi 6.22% 11/23/24
    30 Year Cash-out Refi 6.48% 11/23/24
    30 Year USDA Purchase 4.91% 11/23/24
    15 Year Conventional Purchase 6.06% 11/23/24
    15 Year Conventional Refi 6.00% 11/23/24
    15 Year Cash-out Refi 6.00% 11/23/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bar Harbor Bank & Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bar Harbor Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    763

    Origination Dollar Volume (All Markets)

    $170,645,000

    Employee count

    442 Show all (13) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 198 $44,180,000 $223,131 $2,775 4.33%
    Lebanon, NH-VT (FHA|USDA|VA) 201 $42,895,000 $213,408 $2,565 4.17%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 136 $30,400,000 $223,529 $2,584 4.25%
    Concord, NH (FHA|USDA|VA) 98 $24,520,000 $250,204 $2,570 4.05%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 28 $8,160,000 $291,429 $2,961 4.23%
    Keene, NH (FHA|USDA|VA) 27 $5,495,000 $203,519 $2,910 4.38%
    Laconia, NH (FHA|USDA|VA) 17 $4,195,000 $246,765 $3,203 4.38%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $3,955,000 $304,231 $2,501 3.93%
    Rutland, VT (FHA|USDA|VA) 23 $2,575,000 $111,957 $2,533 4.64%
    Augusta-Waterville, ME (FHA|USDA|VA) 6 $1,270,000 $211,667 $3,235 4.82%
    BANGOR, ME (FHA|USDA|VA) 7 $1,145,000 $163,571 $2,969 4.11%
    Barre, VT (FHA|USDA|VA) 4 $830,000 $207,500 $3,184 4.03%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $275,000 $275,000 $8,224 3.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,527 4.63%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $245,000 $245,000 $2,537 4.00%
    Berlin, NH (FHA|USDA|VA) 2 $230,000 $115,000 $2,471 4.63%
    Bar Harbor Bank & Trust's top markets include Lebanon, Manchester, Concord, Boston, and Keene among others.

    Their top states include:
  • New Hampshire (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
  • Vermont (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bar Harbor Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First National Bank
    Similarity Rank: 60
    Saco Valley Credit Union
    Similarity Rank: 70
    MAINE HIGHLANDS FEDERAL CREDIT UNION
    Similarity Rank: 84
    CASCO
    Similarity Rank: 90
    Northfield Savings Bank
    Similarity Rank: 95
    MERRIMACK VALLEY
    Similarity Rank: 110
    Middlesex Federal Savings, F.A.
    Similarity Rank: 111
    Members First Credit Union N.H.
    Similarity Rank: 119
    CUMBERLAND COUNTY
    Similarity Rank: 120
    First Ipswich Bank
    Similarity Rank: 164

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 763 $170,645,000 $223,650 $2,682 4.24%

    For 2018, Bar Harbor Bank & Trust's most frequently originated type of loan was Conventional, with 763 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 472 $114,490,000 $242,564 $2,859 4.36%
    Cash Out Refi 172 $35,180,000 $204,535 $2,602 3.91%
    Refi 76 $15,430,000 $203,026 $2,347 4.08%
    Other 24 $3,370,000 $140,417 $1,701 4.34%
    Home Improvement 19 $2,175,000 $114,474 $1,694 4.71%

    For 2018, Bar Harbor Bank & Trust's most frequently cited loan purpose was Home Purchase, with 472 originations. The 2nd most popular reason was Cash Out Refi, with 172 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 435 $102,655,000 $235,989 $2,814 4.23%
    10 Year 152 $25,310,000 $166,513 $1,851 3.86%
    30+ year 55 $19,815,000 $360,273 $3,364 4.86%
    20 Year 55 $10,005,000 $181,909 $2,824 4.64%
    15 Year 53 $8,775,000 $165,566 $2,597 4.12%
    Other 8 $3,540,000 $442,500 $3,040 4.99%
    5 Year 4 $370,000 $92,500 $0 5.85%
    3 Year 1 $175,000 $175,000 $0 5.68%

    For 2018, Bar Harbor Bank & Trust's most frequently cited loan duration was 30 Year, with 435 originations. The 2nd most popular length was 10 Year, with 152 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 566 $127,850,000 $225,883
    $1k-2k 75 $15,135,000 $201,800
    $2k-3k 29 $5,985,000 $206,379
    $3k-4k 11 $2,525,000 $229,545
    $4k-5k 6 $1,460,000 $243,333
    $5k+ 4 $1,330,000 $332,500

    Bar Harbor Bank & Trust's average total fees were $2,814, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 566 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 313 $71,695,000 $229,058
    3-4% 286 $68,120,000 $238,182
    2.5-3% 90 $15,130,000 $168,111
    5-6% 72 $15,550,000 $215,972
    6-7% 2 $150,000 $75,000

    During 2018, Bar Harbor Bank & Trust's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 4-5%, with 313 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 281 $41,415,000 $147,384 $2,596 4.23%
    $200k-400k 259 $69,765,000 $269,363 $3,025 4.18%
    $100,000 or less 140 $9,090,000 $64,929 $1,748 4.31%
    $400k-600k 51 $24,395,000 $478,333 $3,274 4.40%
    $600k-1MM 28 $19,760,000 $705,714 $3,494 4.15%
    $1MM+ 4 $6,220,000 $1,555,000 $5,326 4.63%

    2018 saw Bar Harbor Bank & Trust place emphasis on $100k-200k loans with 281 originations, totaling $41,415,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 170 $35,370,000 $208,059 $2,802 4.17%
    $150k-250k 127 $35,855,000 $282,323 $2,814 4.21%
    $50k-75k 123 $18,055,000 $146,789 $2,456 4.10%
    $75k-100k 117 $20,705,000 $176,966 $2,617 4.21%
    $250k+ 99 $39,115,000 $395,101 $2,942 4.08%
    $50k or less 79 $8,695,000 $110,063 $2,336 4.27%

    Bar Harbor Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 170 originations. The second most popular income band? $150k-250k, with 127 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 196 $41,810,000 $213,316 $2,651 4.17%
    30-36% 130 $30,880,000 $237,538 $2,767 4.20%
    <20% 81 $15,235,000 $188,086 $2,551 3.90%
    42% 47 $10,905,000 $232,021 $2,688 4.24%
    39% 33 $9,765,000 $295,909 $2,870 4.32%
    41% 30 $9,390,000 $313,000 $2,813 4.30%
    40% 27 $5,245,000 $194,259 $2,293 3.90%
    36% 23 $4,165,000 $181,087 $2,956 4.22%
    43% 22 $3,950,000 $179,545 $2,935 4.21%
    37% 22 $4,220,000 $191,818 $2,417 4.20%
    44% 18 $4,360,000 $242,222 $3,041 4.11%
    38% 18 $3,110,000 $172,778 $2,300 4.21%
    45% 18 $4,310,000 $239,444 $2,613 4.12%
    46% 11 $2,155,000 $195,909 $3,046 4.23%
    49% 10 $1,840,000 $184,000 $2,784 4.46%
    48% 9 $1,485,000 $165,000 $2,629 4.21%
    50-60% 9 $2,775,000 $308,333 $2,786 3.97%
    47% 4 $740,000 $185,000 $2,032 4.03%
    >60% 2 $720,000 $360,000 $2,598 3.88%

    Bar Harbor Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 196 originations. The next most common DTI ratio? 30-36%, with 130 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 491 $103,075,000 $209,929 $2,641 4.16%
    Not provided 214 $51,950,000 $242,757 $2,760 4.19%
    Not applicable 41 $11,915,000 $290,610 $0 5.41%
    Asian 9 $1,905,000 $211,667 $2,850 4.30%
    Asian Indian 5 $1,435,000 $287,000 $2,562 4.05%
    Black 2 $220,000 $110,000 $2,493 4.90%
    American Indian 1 $145,000 $145,000 $4,460 4.63%

    Approval Rates

    Total approvals of all applications
    87.32%

    Bar Harbor Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.65%

    Bar Harbor Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 763 $170,645,000 $223,650

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $985,000 $328,333
    Multifamily:Site-Built 13 $5,865,000 $451,154
    Single Family (1-4 Units):Manufactured 30 $2,940,000 $98,000
    Single Family (1-4 Units):Site-Built 717 $160,855,000 $224,344

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 66 $8,140,000 $123,333 $2,103 3.85%
    40-60% 105 $20,215,000 $192,524 $2,382 4.04%
    60-80% 311 $79,725,000 $256,350 $2,981 4.28%
    80-100% 239 $59,165,000 $247,552 $2,912 4.25%
    Under 20% 42 $3,400,000 $80,952 $915 4.98%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bar Harbor Bank & Trust 100 Woodstock Avenue Rutland, VT 5701 Full Service B&M $19,567
    Bar Harbor Bank & Trust 1055 Main Street Mount Desert, ME 4660 Full Service B&M $19,267
    Bar Harbor Bank & Trust 106 Hanover Street Lebanon, NH 3766 Full Service B&M $29,302
    Bar Harbor Bank & Trust 111 Main Street Northeast Harbor, ME 4662 Full Service B&M $35,350
    Bar Harbor Bank & Trust 115 Dw Highway Nashua, NH 3060 Full Service B&M $3,665
    Bar Harbor Bank & Trust 115 Main Street Bradford, NH 3221 Full Service B&M $27,908
    Bar Harbor Bank & Trust 116 Newport Road New London, NH 3257 Full Service B&M $87,277
    Bar Harbor Bank & Trust 12 South St Hanover, NH 3755 Full Service B&M $16,386
    Bar Harbor Bank & Trust 1340 Franklin St Brandon, VT 5733 Full Service B&M $3,334
    Bar Harbor Bank & Trust 137 High Street Ellsworth, ME 4605 Full Service B&M $99,469
    Bar Harbor Bank & Trust 15 Antrim Road Hillsboro, NH 3244 Full Service B&M $36,640
    Bar Harbor Bank & Trust 150 Main Street New London, NH 3257 Full Service B&M $75,507
    Bar Harbor Bank & Trust 1583 Vt 107 Bethel, VT 5032 Full Service B&M $14,897
    Bar Harbor Bank & Trust 165 Route 10 Grantham, NH 3753 Full Service B&M $50,024
    Bar Harbor Bank & Trust 188 Main Street Nashua, NH 3060 Full Service B&M $46,698
    Bar Harbor Bank & Trust 189 Vermont Route 12 South Randolph, VT 5060 Limited, Drive-thru $997
    Bar Harbor Bank & Trust 2 Main Street Topsham, ME 4086 Full Service B&M $20,979
    Bar Harbor Bank & Trust 2-4 Main Street Peterborough, NH 3458 Full Service B&M $31,282
    Bar Harbor Bank & Trust 20 Main Street Machias, ME 4654 Full Service B&M $20,657
    Bar Harbor Bank & Trust 20 Methodist Lane Williamstown, VT 5679 Full Service B&M $13,085
    Bar Harbor Bank & Trust 200 Heater Road Lebanon, NH 3766 Full Service B&M $56,784
    Bar Harbor Bank & Trust 21 Main Street Blue Hill, ME 4614 Full Service B&M $74,380
    Bar Harbor Bank & Trust 21 Main Street Randolph, VT 5060 Full Service B&M $60,818
    Bar Harbor Bank & Trust 245 Camden Street (U.S. Route 1) Rockland, ME 4841 Full Service B&M $25,470
    Bar Harbor Bank & Trust 25 Church Street Deer Isle, ME 4627 Full Service B&M $55,820
    Bar Harbor Bank & Trust 300 Sunapee Street Newport, NH 3773 Limited, Drive-thru $0
    Bar Harbor Bank & Trust 314 Main Street Southwest Harbor, ME 4679 Full Service B&M $50,489
    Bar Harbor Bank & Trust 321 Elm St Milford, NH 3055 Full Service B&M $15,683
    Bar Harbor Bank & Trust 345 Washington St Claremont, NH 3743 Full Service B&M $19,898
    Bar Harbor Bank & Trust 368 Route 3 South China, ME 4358 Full Service B&M $26,063
    Bar Harbor Bank & Trust 385 Main Street Winter Harbor, ME 4693 Full Service B&M $24,203
    Bar Harbor Bank & Trust 468 Us Rt 4 Enfield, NH 3748 Full Service B&M $13,969
    Bar Harbor Bank & Trust 484 Main Street West Rutland, VT 5777 Full Service B&M $16,115
    Bar Harbor Bank & Trust 52 Railroad Street South Royalton, VT 5068 Full Service B&M $26,670
    Bar Harbor Bank & Trust 565 Route 11 Sunapee, NH 3782 Full Service B&M $45,647
    Bar Harbor Bank & Trust 68 Washington Street Lubec, ME 4652 Full Service B&M $22,617
    Bar Harbor Bank & Trust 6931 Us Route 4 Quechee, VT 5059 Full Service B&M $12,440
    Bar Harbor Bank & Trust 7 Lawrence Street Andover, NH 3216 Full Service B&M $39,291
    Bar Harbor Bank & Trust 8 Loudon Road Concord, NH 3301 Full Service B&M $10,524
    Bar Harbor Bank & Trust 82 Main Street Bar Harbor, ME 4609 Full Service B&M $826,515
    Bar Harbor Bank & Trust 83 Main Street West Lebanon, NH 3784 Full Service B&M $37,132
    Bar Harbor Bank & Trust 85 N Main Street Rochester, VT 5767 Full Service B&M $16,959
    Bar Harbor Bank & Trust 9 Main Street Newport, NH 3773 Full Service B&M $92,991
    Bar Harbor Bank & Trust 906 West Woodstock Road Woodstock, VT 5091 Limited, Drive-thru $0
    Bar Harbor Bank & Trust 976 Route 103 Newbury, NH 3255 Full Service B&M $14,562
    Bar Harbor Bank & Trust Main & Bridge Street Milbridge, ME 4658 Full Service B&M $27,999
    Bar Harbor Bank & Trust One Bond Street Woodstock, VT 5091 Full Service B&M $40,695
    Bar Harbor Bank & Trust Two Park Street Brandon, VT 5733 Full Service B&M $52,861
    Bar Harbor Bank & Trust Us Route 7 And Depot Hill Road Pittsford, VT 5763 Full Service B&M $22,731

    For 2018, Bar Harbor Bank & Trust had 49 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $127,416
    Net interest income $92,969
    Total noninterest income $28,441
    Gross Fiduciary activities income $11,017
    Service charges on deposit accounts $3,402
    Trading account gains and fees $0
    Additional Noninterest Income $14,022
    Pre-tax net operating income $46,659
    Securities gains (or losses, -) $-924
    Income before extraordinary items $37,038
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $37,038
    Minority interest net income $0
    Net income $37,038
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $37,786

    Bar Harbor Bank & Trust's gross interest income from loans was $127,416,000.
    Bar Harbor Bank & Trust's net interest income from loans was $92,969,000.
    Bar Harbor Bank & Trust's fee based income from loans was $3,402,000.
    Bar Harbor Bank & Trust's net income from loans was $37,038,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $34,447
    Provision for credit losses $2,781
    Total noninterest expense $71,970
    Salaries and employee benefits $37,807
    Premises and equipment expense $9,544
    Additional noninterest expense $24,619
    Applicable income taxes $8,697
    Net charge-offs $1,240
    Cash dividends $23,704

    Bar Harbor Bank & Trust's interest expense for loans was $34,447,000.
    Bar Harbor Bank & Trust's payroll and benefits expense were $37,807,000.
    Bar Harbor Bank & Trust's property, plant and equipment expenses $9,544,000.

    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 1.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,493,370
    Deposits held in domestic offices $2,493,370
    Deposits by Individuals, partnerships, and corporations $2,203,403
    Deposits by U.S. Government $79
    Deposits by States and political subdivisions in the U.S. $216,412
    Deposits by Commercial banks and other depository institutions in U.S. $73,476
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $294,550
    Demand deposits $153,191
    Nontransaction accounts $2,198,820
    Money market deposit accounts (MMDAs) $907,150
    Other savings deposits (excluding MMDAs) $358,877
    Total time deposits $932,792
    Total time and savings deposits $2,340,179
    Noninterest-bearing deposits $381,021
    Interest-bearing deposits $2,112,349
    Retail deposits $1,866,229
    IRAs and Keogh plan accounts $60,780
    Brokered deposits $515,867
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,604,567
    Cash & Balances due from depository institutions $87,366
    Interest-bearing balances $46,745
    Total securities $725,831
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,476,361
    Loan and leases loss allowance $13,866
    Trading account assets $0
    Bank premises and fixed assets $48,117
    Other real estate owned $2,351
    Goodwill and other intangibles $110,630
    All other assets $153,911

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,604,567
    Total Liabilities $3,206,367
    Total deposits $2,493,370
    Interest-bearing deposits $2,112,349
    Deposits held in domestic offices $2,493,370
    % insured (estimated) $90
    Federal funds purchased and repurchase agreements $36,211
    Trading liabilities $0
    Other borrowed funds $644,612
    Subordinated debt $5,000
    All other liabilities $27,174

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,476,361
    Loan and leases loss allowance $13,866
    Total loans and leases (domestic) $2,490,227
    All real estate loans $2,136,894
    Real estate loans in domestic offices $2,136,894
    Construction and development loans $45,853
    Residential 1-4 family construction $21,462
    Other construction, all land development and other land $24,391
    Loans secured by nonfarm nonresidential properties $721,504
    Nonfarm nonresidential secured by owner-occupied properties $233,314
    Commercial real estate & other non-farm, non-residential $488,190
    Multifamily residential real estate $57,790
    1-4 family residential loans $1,298,695
    Farmland loans $13,052
    Loans held in foreign offices $0
    Farm loans $14,764
    Commercial and industrial loans $210,029
    To non-U.S. addressees $468
    Loans to individuals $10,869
    Credit card loans $1,011
    Related Plans $562
    Consumer Auto Loans $1,549
    Other loans to individuals $7,747
    All other loans & leases $117,671
    Loans to foreign governments and official institutions $0
    Other loans $66,944
    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 $38
    Restructured Loans & leases $4,122
    Non 1-4 family restructured loans & leases $1,577
    Total loans and leases (foreign) $0

    Bar Harbor Bank & Trust had $2,476,361,000 of loans outstanding in 2018. $2,136,894,000 of loans were in real estate loans. $45,853,000 of loans were in development loans. $57,790,000 of loans were in multifamily mortgage loans. $1,298,695,000 of loans were in 1-4 family mortgage loans. $14,764,000 of loans were in farm loans. $1,011,000 of loans were in credit card loans. $1,549,000 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 1,046 $205,170 $196,147
    Nonfarm, nonresidential loans - <$100k 228 $8,191 $35,925
    Nonfarm, nonresidential loans - $100-250k 384 $46,158 $120,203
    Nonfarm, nonresidential loans - $250k-1MM 434 $150,821 $347,514
    Commercial & Industrial, US addressed loans - <$1MM 1,444 $56,916 $39,416
    Commercial & Industrial, US addressed loans - <$100k 1,148 $13,436 $11,704
    Commercial & Industrial, US addressed loans - $100-250k 172 $15,191 $88,320
    Commercial & Industrial, US addressed loans - $250k-1MM 124 $28,289 $228,137
    Farmland loans - <$1MM 14 $1,144 $81,714
    Farmland loans - <$100k 9 $350 $38,889
    Farmland loans - $100-250k 5 $794 $158,800
    Agriculture operations loans - <$1MM 217 $13,339 $61,470
    Agriculture operations loans - <$100k 149 $3,388 $22,738
    Agriculture operations loans - $100-250k 44 $4,546 $103,318
    Agriculture operations loans - $250k-1MM 24 $5,405 $225,208