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 Refi and Home Purchase loans. Bar Harbor Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Lebanon, Concord, Manchester, Portland, and Boston 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% 11/21/24
    30 Year Conventional Purchase 6.30% 11/21/24
    30 Year Conventional Refi 6.22% 11/21/24
    30 Year Cash-out Refi 6.48% 11/21/24
    30 Year USDA Purchase 4.91% 11/21/24
    15 Year Conventional Purchase 6.06% 11/21/24
    15 Year Conventional Refi 6.00% 11/21/24
    15 Year Cash-out Refi 6.00% 11/21/24
    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

    1,588

    Origination Dollar Volume (All Markets)

    $422,450,000

    Employee count

    519 Show all (8) 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
    Lebanon, NH-VT (FHA|USDA|VA) 420 $102,160,000 $243,238 $2,885 3.10%
    Outside of Metro Areas 419 $97,395,000 $232,446 $2,967 3.18%
    Concord, NH (FHA|USDA|VA) 201 $54,375,000 $270,522 $2,880 3.14%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 194 $47,940,000 $247,113 $2,729 3.22%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 97 $42,955,000 $442,835 $2,796 2.98%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 69 $32,785,000 $475,145 $2,961 3.14%
    Laconia, NH (FHA|USDA|VA) 14 $11,450,000 $817,857 $5,235 3.13%
    BANGOR, ME (FHA|USDA|VA) 56 $8,890,000 $158,750 $2,669 3.18%
    Rutland, VT (FHA|USDA|VA) 38 $6,630,000 $174,474 $3,212 3.25%
    Keene, NH (FHA|USDA|VA) 29 $6,115,000 $210,862 $2,952 3.17%
    Augusta-Waterville, ME (FHA|USDA|VA) 33 $5,615,000 $170,152 $2,669 3.24%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $1,520,000 $760,000 $3,586 3.00%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $0 2.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $920,000 $460,000 $3,924 3.31%
    Berlin, NH (FHA|USDA|VA) 3 $615,000 $205,000 $4,265 4.04%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $600,000 $150,000 $2,435 3.03%
    Barre, VT (FHA|USDA|VA) 2 $450,000 $225,000 $3,957 2.88%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $385,000 $385,000 $3,735 2.63%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $355,000 $355,000 $2,662 2.75%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $135,000 $135,000 $2,615 3.75%
    Bennington, VT (FHA|USDA|VA) 1 $105,000 $105,000 $2,804 2.25%
    Bar Harbor Bank & Trust's top markets include Lebanon, Concord, Manchester, Portland, and Boston among others.

    Their top states include:
  • New Hampshire (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
  • Vermont (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Rhode Island (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: 148
    Northfield Savings Bank
    Similarity Rank: 160
    CUMBERLAND COUNTY
    Similarity Rank: 176
    TOWN & COUNTRY FEDERAL CREDIT UNION
    Similarity Rank: 222
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 258
    CASCO
    Similarity Rank: 324
    Union Bank
    Similarity Rank: 429
    Piscataqua Savings Bank
    Similarity Rank: 446
    FIVE COUNTY
    Similarity Rank: 484
    COMMUNITY CREDIT UNION OF LYNN
    Similarity Rank: 525

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,587 $422,265,000 $266,078 $2,906 3.15%
    USDA 1 $185,000 $185,000 $0 3.25%

    For 2020, Bar Harbor Bank & Trust's most frequently originated type of loan was Conventional, with 1,587 originations. Their 2nd most popular type was USDA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 598 $146,470,000 $244,933 $2,611 2.98%
    Home Purchase 586 $187,810,000 $320,495 $3,228 3.25%
    Cash Out Refi 360 $80,190,000 $222,750 $2,968 3.21%
    Other 25 $5,045,000 $201,800 $2,524 3.37%
    Home Improvement 19 $2,935,000 $154,474 $2,130 3.91%

    For 2020, Bar Harbor Bank & Trust's most frequently cited loan purpose was Refi, with 598 originations. The 2nd most popular reason was Home Purchase, with 586 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 825 $228,125,000 $276,515 $3,038 3.23%
    15 Year 409 $84,135,000 $205,709 $2,676 2.76%
    20 Year 133 $26,615,000 $200,113 $2,723 3.22%
    10 Year 130 $51,160,000 $393,538 $2,254 3.44%
    30+ year 74 $28,980,000 $391,622 $3,753 3.55%
    Other 13 $2,685,000 $206,538 $3,101 4.11%
    5 Year 3 $615,000 $205,000 $0 4.66%
    3 Year 1 $135,000 $135,000 $0 4.99%

    For 2020, Bar Harbor Bank & Trust's most frequently cited loan duration was 30 Year, with 825 originations. The 2nd most popular length was 15 Year, with 409 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,205 $306,885,000 $254,676
    $1k-2k 176 $33,960,000 $192,955
    $2k-3k 61 $17,325,000 $284,016
    $3k-4k 17 $4,315,000 $253,824
    $5k+ 13 $6,505,000 $500,385
    $4k-5k 9 $3,695,000 $410,556

    Bar Harbor Bank & Trust's average total fees were $3,038, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,205 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 728 $204,910,000 $281,470
    2.5-3% 663 $160,915,000 $242,707
    <2.5% 121 $43,045,000 $355,744
    4-5% 72 $13,000,000 $180,556
    5-6% 4 $580,000 $145,000

    During 2020, Bar Harbor Bank & Trust's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 728 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 619 $170,055,000 $274,725 $2,919 3.12%
    $100k-200k 554 $83,860,000 $151,372 $2,649 3.13%
    $100,000 or less 202 $14,900,000 $73,762 $2,263 3.28%
    $400k-600k 145 $69,825,000 $481,552 $3,687 3.13%
    $600k-1MM 50 $36,070,000 $721,400 $4,548 3.27%
    $1MM+ 18 $47,740,000 $2,652,222 $7,174 3.18%

    2020 saw Bar Harbor Bank & Trust place emphasis on $200k-400k loans with 619 originations, totaling $170,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 330 $79,390,000 $240,576 $2,840 3.11%
    $150k-250k 317 $91,365,000 $288,218 $2,915 3.10%
    $50k-75k 269 $43,615,000 $162,138 $2,602 3.13%
    $75k-100k 228 $46,530,000 $204,079 $2,760 3.09%
    $250k+ 215 $99,175,000 $461,279 $3,804 3.04%
    $50k or less 159 $18,925,000 $119,025 $2,511 3.29%

    Bar Harbor Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 330 originations. The second most popular income band? $150k-250k, with 317 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 421 $106,245,000 $252,363 $2,944 3.05%
    30-36% 277 $66,465,000 $239,946 $2,895 3.14%
    <20% 249 $61,565,000 $247,249 $2,822 2.98%
    39% 52 $12,090,000 $232,500 $2,746 3.12%
    42% 50 $14,670,000 $293,400 $3,068 3.17%
    40% 49 $10,595,000 $216,224 $2,850 3.32%
    36% 49 $13,365,000 $272,755 $3,099 3.26%
    44% 48 $10,580,000 $220,417 $2,999 3.14%
    38% 47 $13,705,000 $291,596 $2,984 3.31%
    41% 45 $11,515,000 $255,889 $2,946 3.31%
    37% 41 $10,735,000 $261,829 $3,033 3.22%
    48% 37 $9,425,000 $254,730 $2,872 2.99%
    43% 36 $10,010,000 $278,056 $2,867 3.23%
    47% 32 $7,260,000 $226,875 $2,812 3.11%
    45% 23 $4,425,000 $192,391 $2,613 3.09%
    46% 22 $4,820,000 $219,091 $2,628 3.11%
    49% 22 $5,410,000 $245,909 $2,942 3.07%
    50-60% 13 $4,225,000 $325,000 $3,192 3.21%
    >60% 8 $2,250,000 $281,250 $2,951 3.45%

    Bar Harbor Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 421 originations. The next most common DTI ratio? 30-36%, with 277 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,372 $333,140,000 $242,813 $2,898 3.11%
    Not applicable 58 $41,270,000 $711,552 $0 4.07%
    Not provided 110 $33,550,000 $305,000 $3,048 3.26%
    Asian 22 $6,740,000 $306,364 $2,730 3.08%
    Black 10 $3,010,000 $301,000 $2,565 3.01%
    Asian Indian 7 $2,425,000 $346,429 $3,506 2.73%
    American Indian 7 $1,385,000 $197,857 $2,493 3.09%
    Japanese 1 $595,000 $595,000 $5,895 3.50%
    Native Hawaiian or Islander 1 $335,000 $335,000 $2,771 2.88%

    Approval Rates

    Total approvals of all applications
    86.65%

    Bar Harbor Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.71%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,588 $422,450,000 $266,026

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 16 $32,870,000 $2,054,375
    Single Family (1-4 Units):Manufactured 29 $2,515,000 $86,724
    Single Family (1-4 Units):Site-Built 1,543 $387,065,000 $250,852

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 141 $21,535,000 $152,730 $2,460 2.99%
    40-60% 380 $92,920,000 $244,526 $2,768 3.01%
    60-80% 707 $208,235,000 $294,533 $2,984 3.18%
    80-100% 335 $97,015,000 $289,597 $3,162 3.26%
    Under 20% 25 $2,745,000 $109,800 $1,860 3.93%

    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 $35,097
    Bar Harbor Bank & Trust 1001 Elm Street Suite 101 Manchester, NH 3101 Full Service B&M $11,581
    Bar Harbor Bank & Trust 1055 Main Street, Route 102 Mount Desert, ME 4660 Full Service B&M $23,773
    Bar Harbor Bank & Trust 106 Hanover Street Lebanon, NH 3766 Full Service B&M $34,468
    Bar Harbor Bank & Trust 109 Main Street Pittsfield, ME 4967 Full Service B&M $22,028
    Bar Harbor Bank & Trust 111 Main Street Northeast Harbor, ME 4662 Full Service B&M $36,914
    Bar Harbor Bank & Trust 115 Main Street Bradford, NH 3221 Full Service B&M $29,985
    Bar Harbor Bank & Trust 116 Newport Road New London, NH 3257 Full Service B&M $91,084
    Bar Harbor Bank & Trust 12 South St Hanover, NH 3755 Full Service B&M $17,167
    Bar Harbor Bank & Trust 137 High Street Ellsworth, ME 4605 Full Service B&M $127,972
    Bar Harbor Bank & Trust 15 Antrim Road Hillsboro, NH 3244 Full Service B&M $45,018
    Bar Harbor Bank & Trust 150 Main Street New London, NH 3257 Full Service B&M $83,801
    Bar Harbor Bank & Trust 1583 Vt 107 Bethel, VT 5032 Full Service B&M $16,246
    Bar Harbor Bank & Trust 165 Route 10 Grantham, NH 3753 Full Service B&M $50,177
    Bar Harbor Bank & Trust 188 Main Street Nashua, NH 3060 Full Service B&M $58,058
    Bar Harbor Bank & Trust 189 Vermont Route 12 South Randolph, VT 5060 Limited, Drive-thru $1,794
    Bar Harbor Bank & Trust 2 Main Street Topsham, ME 4086 Full Service B&M $24,346
    Bar Harbor Bank & Trust 2-4 Main Street Peterborough, NH 3458 Full Service B&M $42,612
    Bar Harbor Bank & Trust 20 Main Street Machias, ME 4654 Full Service B&M $21,744
    Bar Harbor Bank & Trust 20 Methodist Lane Williamstown, VT 5679 Full Service B&M $15,068
    Bar Harbor Bank & Trust 200 Heater Road Lebanon, NH 3766 Full Service B&M $60,984
    Bar Harbor Bank & Trust 201 Main Street Bangor, ME 4401 Full Service B&M $73,143
    Bar Harbor Bank & Trust 21 Main Street Blue Hill, ME 4614 Full Service B&M $70,927
    Bar Harbor Bank & Trust 21 Main Street Randolph, VT 5060 Full Service B&M $61,305
    Bar Harbor Bank & Trust 245 Camden Street (U.S. Route 1) Rockland, ME 4841 Full Service B&M $27,417
    Bar Harbor Bank & Trust 25 Church Street Deer Isle, ME 4627 Full Service B&M $63,389
    Bar Harbor Bank & Trust 314 Main Street Southwest Harbor, ME 4679 Full Service B&M $56,239
    Bar Harbor Bank & Trust 321 Elm St Milford, NH 3055 Full Service B&M $18,912
    Bar Harbor Bank & Trust 335 Main Street Waterville, ME 4901 Full Service B&M $22,657
    Bar Harbor Bank & Trust 345 Washington St Claremont, NH 3743 Full Service B&M $20,784
    Bar Harbor Bank & Trust 366 Wilson Street Brewer, ME 4412 Full Service B&M $37,749
    Bar Harbor Bank & Trust 368 Route 3 South China, ME 4358 Full Service B&M $30,921
    Bar Harbor Bank & Trust 385 Main Street Winter Harbor, ME 4693 Full Service B&M $27,305
    Bar Harbor Bank & Trust 44 Moosehead Trail Newport, ME 4953 Full Service Retail $26,624
    Bar Harbor Bank & Trust 468 Us Rt 4 Enfield, NH 3748 Full Service B&M $20,039
    Bar Harbor Bank & Trust 52 Railroad Street South Royalton, VT 5068 Full Service B&M $29,412
    Bar Harbor Bank & Trust 565 Route 11 Sunapee, NH 3782 Full Service B&M $47,177
    Bar Harbor Bank & Trust 68 Washington Street Lubec, ME 4652 Full Service B&M $25,777
    Bar Harbor Bank & Trust 69 Main Street Orono, ME 4473 Full Service B&M $30,025
    Bar Harbor Bank & Trust 7 Lawrence Street Andover, NH 3216 Full Service B&M $35,752
    Bar Harbor Bank & Trust 8 Loudon Road Concord, NH 3301 Full Service B&M $12,256
    Bar Harbor Bank & Trust 82 Main Street Bar Harbor, ME 4609 Full Service B&M $735,009
    Bar Harbor Bank & Trust 83 Main Street West Lebanon, NH 3784 Full Service B&M $41,952
    Bar Harbor Bank & Trust 85 N Main Street Rochester, VT 5767 Full Service B&M $19,640
    Bar Harbor Bank & Trust 9 Main Street Newport, NH 3773 Full Service B&M $90,504
    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 $20,958
    Bar Harbor Bank & Trust 976 Route 103 Newbury, NH 3255 Full Service B&M $14,686
    Bar Harbor Bank & Trust 992 Union Street Bangor, ME 4401 Full Service B&M $26,304
    Bar Harbor Bank & Trust Main & Bridge Street Milbridge, ME 4658 Full Service B&M $32,072
    Bar Harbor Bank & Trust One Bond Street Woodstock, VT 5091 Full Service B&M $62,142
    Bar Harbor Bank & Trust Two Park Street Brandon, VT 5733 Full Service B&M $57,355
    Bar Harbor Bank & Trust Us Route 7 And Depot Hill Road Pittsford, VT 5763 Full Service B&M $21,294

    For 2020, Bar Harbor Bank & Trust had 53 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $126,081
    Net interest income $102,031
    Total noninterest income $36,920
    Gross Fiduciary activities income $12,063
    Service charges on deposit accounts $3,066
    Trading account gains and fees $0
    Additional Noninterest Income $21,791
    Pre-tax net operating income $42,681
    Securities gains (or losses, -) $5,445
    Income before extraordinary items $38,180
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $38,180
    Minority interest net income $0
    Net income $38,180
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $33,878

    Bar Harbor Bank & Trust's gross interest income from loans was $126,081,000.
    Bar Harbor Bank & Trust's net interest income from loans was $102,031,000.
    Bar Harbor Bank & Trust's fee based income from loans was $3,066,000.
    Bar Harbor Bank & Trust's net income from loans was $38,180,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $24,050
    Provision for credit losses $5,625
    Total noninterest expense $90,645
    Salaries and employee benefits $45,167
    Premises and equipment expense $12,492
    Additional noninterest expense $32,986
    Applicable income taxes $9,946
    Net charge-offs $1,896
    Cash dividends $8,024

    Bar Harbor Bank & Trust's interest expense for loans was $24,050,000.
    Bar Harbor Bank & Trust's payroll and benefits expense were $45,167,000.
    Bar Harbor Bank & Trust's property, plant and equipment expenses $12,492,000.

    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 $2,917,013
    Deposits held in domestic offices $2,917,013
    Deposits by Individuals, partnerships, and corporations $2,467,628
    Deposits by U.S. Government $1,592
    Deposits by States and political subdivisions in the U.S. $292,036
    Deposits by Commercial banks and other depository institutions in U.S. $155,757
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $487,466
    Demand deposits $194,232
    Nontransaction accounts $2,429,547
    Money market deposit accounts (MMDAs) $1,209,549
    Other savings deposits (excluding MMDAs) $521,637
    Total time deposits $698,361
    Total time and savings deposits $2,722,781
    Noninterest-bearing deposits $555,434
    Interest-bearing deposits $2,361,579
    Retail deposits $2,609,928
    IRAs and Keogh plan accounts $58,631
    Brokered deposits $193,662
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,724,842
    Cash & Balances due from depository institutions $223,843
    Interest-bearing balances $181,168
    Total securities $585,039
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,567,791
    Loan and leases loss allowance $19,082
    Trading account assets $0
    Bank premises and fixed assets $51,701
    Other real estate owned $0
    Goodwill and other intangibles $130,500
    All other assets $165,968

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,724,842
    Total Liabilities $3,260,197
    Total deposits $2,917,013
    Interest-bearing deposits $2,361,579
    Deposits held in domestic offices $2,917,013
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $27,779
    Trading liabilities $0
    Other borrowed funds $248,283
    Subordinated debt $0
    All other liabilities $67,122

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,567,791
    Loan and leases loss allowance $19,082
    Total loans and leases (domestic) $2,586,873
    All real estate loans $2,173,221
    Real estate loans in domestic offices $2,173,221
    Construction and development loans $142,492
    Residential 1-4 family construction $24,612
    Other construction, all land development and other land $117,880
    Loans secured by nonfarm nonresidential properties $858,083
    Nonfarm nonresidential secured by owner-occupied properties $206,107
    Commercial real estate & other non-farm, non-residential $651,976
    Multifamily residential real estate $64,803
    1-4 family residential loans $1,094,735
    Farmland loans $13,108
    Loans held in foreign offices $0
    Farm loans $18,901
    Commercial and industrial loans $270,241
    To non-U.S. addressees $265
    Loans to individuals $10,126
    Credit card loans $1,024
    Related Plans $1,023
    Consumer Auto Loans $1,719
    Other loans to individuals $6,360
    All other loans & leases $114,384
    Loans to foreign governments and official institutions $0
    Other loans $66,474
    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 $34
    Restructured Loans & leases $4,239
    Non 1-4 family restructured loans & leases $1,473
    Total loans and leases (foreign) $0

    Bar Harbor Bank & Trust had $2,567,791,000 of loans outstanding in 2020. $2,173,221,000 of loans were in real estate loans. $142,492,000 of loans were in development loans. $64,803,000 of loans were in multifamily mortgage loans. $1,094,735,000 of loans were in 1-4 family mortgage loans. $18,901,000 of loans were in farm loans. $1,024,000 of loans were in credit card loans. $1,719,000 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 995 $181,050 $181,960
    Nonfarm, nonresidential loans - <$100k 204 $6,316 $30,961
    Nonfarm, nonresidential loans - $100-250k 374 $42,758 $114,326
    Nonfarm, nonresidential loans - $250k-1MM 417 $131,976 $316,489
    Commercial & Industrial, US addressed loans - <$1MM 2,024 $89,783 $44,359
    Commercial & Industrial, US addressed loans - <$100k 1,591 $22,802 $14,332
    Commercial & Industrial, US addressed loans - $100-250k 262 $23,904 $91,237
    Commercial & Industrial, US addressed loans - $250k-1MM 171 $43,077 $251,912
    Farmland loans - <$1MM 15 $1,350 $90,000
    Farmland loans - <$100k 8 $245 $30,625
    Farmland loans - $100-250k 7 $1,105 $157,857
    Agriculture operations loans - <$1MM 218 $12,829 $58,849
    Agriculture operations loans - <$100k 144 $3,308 $22,972
    Agriculture operations loans - $100-250k 57 $6,169 $108,228
    Agriculture operations loans - $250k-1MM 17 $3,352 $197,176