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

Jump to:

  • 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, Cash Out Refi, and Refi loans. Bar Harbor Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Lebanon, Concord, Manchester, Keene, and Portland among others. We have data for 21 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% 11/17/24
    30 Year Conventional Purchase 6.30% 11/17/24
    30 Year Conventional Refi 6.22% 11/17/24
    30 Year Cash-out Refi 6.48% 11/17/24
    30 Year USDA Purchase 4.91% 11/17/24
    15 Year Conventional Purchase 6.06% 11/17/24
    15 Year Conventional Refi 6.00% 11/17/24
    15 Year Cash-out Refi 6.00% 11/17/24
    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

    923

    Origination Dollar Volume (All Markets)

    $224,005,000

    Employee count

    457 Show all (15) 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 258 $64,860,000 $251,395 $2,984 3.90%
    Lebanon, NH-VT (FHA|USDA|VA) 265 $61,905,000 $233,604 $2,985 3.79%
    Concord, NH (FHA|USDA|VA) 127 $32,605,000 $256,732 $3,082 3.85%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 115 $29,855,000 $259,609 $2,862 3.87%
    Keene, NH (FHA|USDA|VA) 31 $6,485,000 $209,194 $2,619 4.12%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 24 $6,340,000 $264,167 $3,438 3.78%
    Rutland, VT (FHA|USDA|VA) 27 $5,815,000 $215,370 $2,945 3.85%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 20 $5,560,000 $278,000 $2,944 3.67%
    Laconia, NH (FHA|USDA|VA) 10 $3,550,000 $355,000 $2,992 4.01%
    Augusta-Waterville, ME (FHA|USDA|VA) 22 $2,710,000 $123,182 $2,598 4.22%
    BANGOR, ME (FHA|USDA|VA) 7 $665,000 $95,000 $2,328 3.81%
    Barre, VT (FHA|USDA|VA) 3 $585,000 $195,000 $2,861 3.67%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $530,000 $265,000 $4,944 3.69%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $525,000 $525,000 $2,552 3.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $430,000 $215,000 $3,324 3.56%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $385,000 $385,000 $3,141 3.88%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $340,000 $170,000 $2,399 3.75%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $310,000 $155,000 $2,450 4.25%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $235,000 $235,000 $2,752 3.75%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $215,000 $215,000 $2,603 4.00%
    Berlin, NH (FHA|USDA|VA) 2 $100,000 $50,000 $2,162 4.81%
    Bar Harbor Bank & Trust's top markets include Lebanon, Concord, Manchester, Keene, and Portland among others.

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

    MAINE HIGHLANDS FEDERAL CREDIT UNION
    Similarity Rank: 99
    Northfield Savings Bank
    Similarity Rank: 115
    CASCO
    Similarity Rank: 126
    First Ipswich Bank
    Similarity Rank: 139
    Piscataqua Savings Bank
    Similarity Rank: 170
    NEW ENGLAND FEDERAL CREDIT UNION
    Similarity Rank: 176
    Maine Savings Federal Credit Union
    Similarity Rank: 189
    NEW HAMPSHIRE
    Similarity Rank: 280
    VERMONT STATE EMPLOYEES
    Similarity Rank: 310
    Middlesex Savings Bank
    Similarity Rank: 310

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 923 $224,005,000 $242,692 $2,973 3.86%

    For 2019, Bar Harbor Bank & Trust's most frequently originated type of loan was Conventional, with 923 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 483 $121,615,000 $251,791 $3,149 3.88%
    Cash Out Refi 218 $48,050,000 $220,413 $2,941 3.71%
    Refi 154 $44,850,000 $291,234 $2,780 3.90%
    Other 37 $5,675,000 $153,378 $2,391 3.95%
    Home Improvement 31 $3,815,000 $123,065 $2,021 4.36%

    For 2019, Bar Harbor Bank & Trust's most frequently cited loan purpose was Home Purchase, with 483 originations. The 2nd most popular reason was Cash Out Refi, with 218 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 554 $139,650,000 $252,076 $3,034 3.77%
    15 Year 129 $26,745,000 $207,326 $2,699 3.44%
    10 Year 101 $19,805,000 $196,089 $1,763 4.44%
    30+ year 62 $23,490,000 $378,871 $3,779 4.21%
    20 Year 51 $9,625,000 $188,725 $3,387 3.73%
    Other 15 $2,705,000 $180,333 $3,330 5.13%
    5 Year 11 $1,985,000 $180,455 $0 5.30%

    For 2019, Bar Harbor Bank & Trust's most frequently cited loan duration was 30 Year, with 554 originations. The 2nd most popular length was 15 Year, with 129 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 611 $150,025,000 $245,540
    $1k-2k 122 $26,220,000 $214,918
    $2k-3k 46 $11,820,000 $256,957
    $3k-4k 19 $3,915,000 $206,053
    $5k+ 8 $4,130,000 $516,250
    $4k-5k 7 $2,145,000 $306,429

    Bar Harbor Bank & Trust's average total fees were $3,034, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 611 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 703 $172,695,000 $245,654
    4-5% 156 $37,390,000 $239,679
    5-6% 43 $7,735,000 $179,884
    2.5-3% 15 $5,105,000 $340,333
    6-7% 5 $995,000 $199,000
    7-8% 1 $85,000 $85,000

    During 2019, Bar Harbor Bank & Trust's average interest rate for loans was 3.77%, while their most frequently originated rate bucket for loans was 3-4%, with 703 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 345 $95,295,000 $276,217 $3,270 3.82%
    $100k-200k 310 $47,000,000 $151,613 $2,698 3.83%
    $100,000 or less 154 $10,170,000 $66,039 $2,132 4.14%
    $400k-600k 71 $34,145,000 $480,915 $3,614 3.67%
    $600k-1MM 36 $26,040,000 $723,333 $3,567 3.82%
    $1MM+ 7 $11,355,000 $1,622,143 $10,818 4.11%

    2019 saw Bar Harbor Bank & Trust place emphasis on $200k-400k loans with 345 originations, totaling $95,295,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 193 $58,525,000 $303,238 $3,231 3.71%
    $100k-150k 178 $42,870,000 $240,843 $3,061 3.79%
    $50k-75k 159 $25,205,000 $158,522 $2,663 3.84%
    $75k-100k 124 $22,330,000 $180,081 $2,750 3.86%
    $50k or less 112 $11,920,000 $106,429 $2,545 3.85%
    $250k+ 97 $46,255,000 $476,856 $3,634 3.74%

    Bar Harbor Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 193 originations. The second most popular income band? $100k-150k, with 178 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 219 $54,075,000 $246,918 $2,938 3.74%
    30-36% 143 $35,515,000 $248,357 $3,004 3.85%
    <20% 98 $23,710,000 $241,939 $2,947 3.62%
    44% 39 $7,445,000 $190,897 $2,727 3.82%
    42% 38 $10,330,000 $271,842 $3,051 3.81%
    43% 33 $7,285,000 $220,758 $3,170 3.78%
    39% 32 $7,100,000 $221,875 $2,864 3.91%
    41% 32 $8,200,000 $256,250 $2,970 3.85%
    40% 31 $7,535,000 $243,065 $3,018 3.82%
    48% 27 $4,785,000 $177,222 $2,826 3.78%
    36% 26 $6,980,000 $268,462 $3,318 3.79%
    38% 25 $6,125,000 $245,000 $2,903 3.80%
    45% 24 $5,210,000 $217,083 $2,836 3.81%
    37% 23 $5,765,000 $250,652 $3,522 3.54%
    49% 23 $4,625,000 $201,087 $3,003 3.78%
    46% 17 $5,165,000 $303,824 $3,064 3.68%
    47% 13 $2,615,000 $201,154 $2,503 3.70%
    50-60% 13 $3,255,000 $250,385 $3,299 3.77%
    >60% 3 $1,095,000 $365,000 $0 4.42%

    Bar Harbor Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 219 originations. The next most common DTI ratio? 30-36%, with 143 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 744 $174,180,000 $234,113 $2,939 3.80%
    Not provided 106 $28,230,000 $266,321 $3,160 3.93%
    Not applicable 43 $14,035,000 $326,395 $2,576 5.11%
    Asian 14 $3,770,000 $269,286 $3,492 3.41%
    Black 5 $1,515,000 $303,000 $2,819 3.55%
    Asian Indian 4 $830,000 $207,500 $3,186 3.63%
    Other Asian 2 $530,000 $265,000 $3,326 3.69%
    American Indian 3 $475,000 $158,333 $3,408 4.21%
    Chinese 2 $440,000 $220,000 $2,242 3.44%

    Approval Rates

    Total approvals of all applications
    84.09%

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

    Pick Rate

    Approvals leading to origination
    81.04%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 923 $224,005,000 $242,692

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $750,000 $375,000
    Multifamily:Site-Built 22 $10,120,000 $460,000
    Single Family (1-4 Units):Manufactured 23 $1,945,000 $84,565
    Single Family (1-4 Units):Site-Built 876 $211,190,000 $241,084

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 83 $10,195,000 $122,831 $2,314 3.91%
    40-60% 128 $25,510,000 $199,297 $2,782 3.82%
    60-80% 404 $109,120,000 $270,099 $3,189 3.85%
    80-100% 277 $77,015,000 $278,032 $3,101 3.82%
    Under 20% 31 $2,165,000 $69,839 $1,515 4.49%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bar Harbor Bank & Trust 111 Main Street Northeast Harbor, ME 4662 Full Service B&M $34,820
    Bar Harbor Bank & Trust 100 Woodstock Avenue Rutland, VT 5701 Full Service B&M $17,859
    Bar Harbor Bank & Trust 1001 Elm Street Suite 101 Manchester, NH 3101 Full Service B&M $1,382
    Bar Harbor Bank & Trust 1055 Main Street, Route 102 Mount Desert, ME 4660 Full Service B&M $18,522
    Bar Harbor Bank & Trust 106 Hanover Street Lebanon, NH 3766 Full Service B&M $28,283
    Bar Harbor Bank & Trust 115 Dw Highway Nashua, NH 3060 Full Service B&M $4,824
    Bar Harbor Bank & Trust 115 Main Street Bradford, NH 3221 Full Service B&M $26,312
    Bar Harbor Bank & Trust 116 Newport Road New London, NH 3257 Full Service B&M $80,784
    Bar Harbor Bank & Trust 12 South St Hanover, NH 3755 Full Service B&M $15,115
    Bar Harbor Bank & Trust 1340 Franklin St Brandon, VT 5733 Full Service B&M $2,944
    Bar Harbor Bank & Trust 137 High Street Ellsworth, ME 4605 Full Service B&M $126,111
    Bar Harbor Bank & Trust 15 Antrim Road Hillsboro, NH 3244 Full Service B&M $37,974
    Bar Harbor Bank & Trust 150 Main Street New London, NH 3257 Full Service B&M $78,710
    Bar Harbor Bank & Trust 1583 Vt 107 Bethel, VT 5032 Full Service B&M $14,327
    Bar Harbor Bank & Trust 165 Route 10 Grantham, NH 3753 Full Service B&M $48,646
    Bar Harbor Bank & Trust 188 Main Street Nashua, NH 3060 Full Service B&M $41,891
    Bar Harbor Bank & Trust 189 Vermont Route 12 South Randolph, VT 5060 Limited, Drive-thru $1,268
    Bar Harbor Bank & Trust 2 Main Street Topsham, ME 4086 Full Service B&M $24,908
    Bar Harbor Bank & Trust 2-4 Main Street Peterborough, NH 3458 Full Service B&M $32,610
    Bar Harbor Bank & Trust 20 Main Street Machias, ME 4654 Full Service B&M $19,805
    Bar Harbor Bank & Trust 20 Methodist Lane Williamstown, VT 5679 Full Service B&M $12,640
    Bar Harbor Bank & Trust 200 Heater Road Lebanon, NH 3766 Full Service B&M $64,600
    Bar Harbor Bank & Trust 21 Main Street Blue Hill, ME 4614 Full Service B&M $70,305
    Bar Harbor Bank & Trust 21 Main Street Randolph, VT 5060 Full Service B&M $56,526
    Bar Harbor Bank & Trust 245 Camden Street (U.S. Route 1) Rockland, ME 4841 Full Service B&M $24,679
    Bar Harbor Bank & Trust 25 Church Street Deer Isle, ME 4627 Full Service B&M $55,037
    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 $49,757
    Bar Harbor Bank & Trust 321 Elm St Milford, NH 3055 Full Service B&M $16,301
    Bar Harbor Bank & Trust 345 Washington St Claremont, NH 3743 Full Service B&M $17,594
    Bar Harbor Bank & Trust 368 Route 3 South China, ME 4358 Full Service B&M $26,703
    Bar Harbor Bank & Trust 385 Main Street Winter Harbor, ME 4693 Full Service B&M $25,378
    Bar Harbor Bank & Trust 468 Us Rt 4 Enfield, NH 3748 Full Service B&M $21,023
    Bar Harbor Bank & Trust 484 Main Street West Rutland, VT 5777 Full Service B&M $14,135
    Bar Harbor Bank & Trust 52 Railroad Street South Royalton, VT 5068 Full Service B&M $26,720
    Bar Harbor Bank & Trust 565 Route 11 Sunapee, NH 3782 Full Service B&M $46,830
    Bar Harbor Bank & Trust 68 Washington Street Lubec, ME 4652 Full Service B&M $23,295
    Bar Harbor Bank & Trust 6931 Us Route 4 Quechee, VT 5059 Full Service B&M $15,724
    Bar Harbor Bank & Trust 7 Lawrence Street Andover, NH 3216 Full Service B&M $29,481
    Bar Harbor Bank & Trust 8 Loudon Road Concord, NH 3301 Full Service B&M $12,025
    Bar Harbor Bank & Trust 82 Main Street Bar Harbor, ME 4609 Full Service B&M $933,214
    Bar Harbor Bank & Trust 83 Main Street West Lebanon, NH 3784 Full Service B&M $33,909
    Bar Harbor Bank & Trust 85 N Main Street Rochester, VT 5767 Full Service B&M $16,934
    Bar Harbor Bank & Trust 9 Main Street Newport, NH 3773 Full Service B&M $89,688
    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 $14,097
    Bar Harbor Bank & Trust Main & Bridge Street Milbridge, ME 4658 Full Service B&M $27,046
    Bar Harbor Bank & Trust One Bond Street Woodstock, VT 5091 Full Service B&M $42,131
    Bar Harbor Bank & Trust Two Park Street Brandon, VT 5733 Full Service B&M $48,467
    Bar Harbor Bank & Trust Us Route 7 And Depot Hill Road Pittsford, VT 5763 Full Service B&M $21,934

    For 2019, Bar Harbor Bank & Trust had 50 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $135,354
    Net interest income $91,970
    Total noninterest income $28,391
    Gross Fiduciary activities income $11,098
    Service charges on deposit accounts $3,572
    Trading account gains and fees $0
    Additional Noninterest Income $13,721
    Pre-tax net operating income $32,084
    Securities gains (or losses, -) $237
    Income before extraordinary items $26,917
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $26,917
    Minority interest net income $0
    Net income $26,917
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $26,720

    Bar Harbor Bank & Trust's gross interest income from loans was $135,354,000.
    Bar Harbor Bank & Trust's net interest income from loans was $91,970,000.
    Bar Harbor Bank & Trust's fee based income from loans was $3,572,000.
    Bar Harbor Bank & Trust's net income from loans was $26,917,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $43,384
    Provision for credit losses $2,318
    Total noninterest expense $85,959
    Salaries and employee benefits $41,775
    Premises and equipment expense $10,752
    Additional noninterest expense $33,432
    Applicable income taxes $5,404
    Net charge-offs $831
    Cash dividends $21,734

    Bar Harbor Bank & Trust's interest expense for loans was $43,384,000.
    Bar Harbor Bank & Trust's payroll and benefits expense were $41,775,000.
    Bar Harbor Bank & Trust's property, plant and equipment expenses $10,752,000.

    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 0.0%
    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 $2,725,001
    Deposits held in domestic offices $2,725,001
    Deposits by Individuals, partnerships, and corporations $2,339,062
    Deposits by U.S. Government $36
    Deposits by States and political subdivisions in the U.S. $266,058
    Deposits by Commercial banks and other depository institutions in U.S. $119,845
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $399,382
    Demand deposits $191,415
    Nontransaction accounts $2,325,619
    Money market deposit accounts (MMDAs) $1,004,301
    Other savings deposits (excluding MMDAs) $388,683
    Total time deposits $932,635
    Total time and savings deposits $2,533,586
    Noninterest-bearing deposits $443,784
    Interest-bearing deposits $2,281,217
    Retail deposits $2,112,466
    IRAs and Keogh plan accounts $62,767
    Brokered deposits $505,104
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,665,517
    Cash & Balances due from depository institutions $54,592
    Interest-bearing balances $16,668
    Total securities $663,223
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,625,739
    Loan and leases loss allowance $15,353
    Trading account assets $0
    Bank premises and fixed assets $50,518
    Other real estate owned $2,236
    Goodwill and other intangibles $130,290
    All other assets $138,919

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,665,517
    Total Liabilities $3,238,260
    Total deposits $2,725,001
    Interest-bearing deposits $2,281,217
    Deposits held in domestic offices $2,725,001
    % insured (estimated) $91
    Federal funds purchased and repurchase agreements $44,832
    Trading liabilities $0
    Other borrowed funds $426,564
    Subordinated debt $0
    All other liabilities $41,863

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,625,739
    Loan and leases loss allowance $15,353
    Total loans and leases (domestic) $2,641,092
    All real estate loans $2,245,680
    Real estate loans in domestic offices $2,245,680
    Construction and development loans $52,401
    Residential 1-4 family construction $21,918
    Other construction, all land development and other land $30,483
    Loans secured by nonfarm nonresidential properties $782,031
    Nonfarm nonresidential secured by owner-occupied properties $233,200
    Commercial real estate & other non-farm, non-residential $548,831
    Multifamily residential real estate $70,357
    1-4 family residential loans $1,327,655
    Farmland loans $13,236
    Loans held in foreign offices $0
    Farm loans $15,182
    Commercial and industrial loans $247,995
    To non-U.S. addressees $327
    Loans to individuals $12,432
    Credit card loans $921
    Related Plans $1,270
    Consumer Auto Loans $1,673
    Other loans to individuals $8,568
    All other loans & leases $119,803
    Loans to foreign governments and official institutions $0
    Other loans $68,682
    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 $36
    Restructured Loans & leases $4,828
    Non 1-4 family restructured loans & leases $1,852
    Total loans and leases (foreign) $0

    Bar Harbor Bank & Trust had $2,625,739,000 of loans outstanding in 2019. $2,245,680,000 of loans were in real estate loans. $52,401,000 of loans were in development loans. $70,357,000 of loans were in multifamily mortgage loans. $1,327,655,000 of loans were in 1-4 family mortgage loans. $15,182,000 of loans were in farm loans. $921,000 of loans were in credit card loans. $1,673,000 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 1,085 $205,131 $189,061
    Nonfarm, nonresidential loans - <$100k 232 $8,296 $35,759
    Nonfarm, nonresidential loans - $100-250k 398 $45,957 $115,470
    Nonfarm, nonresidential loans - $250k-1MM 455 $150,878 $331,600
    Commercial & Industrial, US addressed loans - <$1MM 1,553 $64,061 $41,250
    Commercial & Industrial, US addressed loans - <$100k 1,209 $15,037 $12,438
    Commercial & Industrial, US addressed loans - $100-250k 198 $16,043 $81,025
    Commercial & Industrial, US addressed loans - $250k-1MM 146 $32,981 $225,897
    Farmland loans - <$1MM 16 $1,348 $84,250
    Farmland loans - <$100k 9 $287 $31,889
    Farmland loans - $100-250k 7 $1,061 $151,571
    Agriculture operations loans - <$1MM 234 $13,284 $56,769
    Agriculture operations loans - <$100k 161 $3,751 $23,298
    Agriculture operations loans - $100-250k 51 $5,116 $100,314
    Agriculture operations loans - $250k-1MM 22 $4,417 $200,773