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 Refi 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, Portland, Boston, Manchester, and Concord among others. We have data for 19 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

    1,321

    Origination Dollar Volume (All Markets)

    $432,885,000

    Employee count

    420 Show all (5) 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) 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.

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

    INFINITY Federal Credit Union
    Similarity Rank: 136
    MAINE HIGHLANDS FEDERAL CREDIT UNION
    Similarity Rank: 138
    Northfield Savings Bank
    Similarity Rank: 155
    CASCO
    Similarity Rank: 226
    TOWN & COUNTRY FEDERAL CREDIT UNION
    Similarity Rank: 240
    Sharon & Crescent United Credit Union
    Similarity Rank: 335
    CUMBERLAND COUNTY
    Similarity Rank: 464
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 474
    Saco & Biddeford Savings Institution
    Similarity Rank: 556
    Bath Savings Institution
    Similarity Rank: 648

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,320 $432,600,000 $327,727 $3,202 3.05%
    USDA 1 $285,000 $285,000 $5,613 2.88%

    For 2021, Bar Harbor Bank & Trust's most frequently originated type of loan was Conventional, with 1,320 originations. Their 2nd most popular type was USDA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Bar Harbor Bank & Trust's most frequently cited loan purpose was Home Purchase, with 547 originations. The 2nd most popular reason was 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 2021, Bar Harbor Bank & Trust's most frequently cited loan duration was 30 Year, with 716 originations. The 2nd most popular length was 15 Year, with 332 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 18 $7,490,000 $416,111
    $4k-5k 12 $3,560,000 $296,667
    $5k+ 11 $5,105,000 $464,091

    Bar Harbor Bank & Trust's average total fees were $3,299, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.21%, while their most frequently originated rate bucket for loans was 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
    89.76%

    Bar Harbor Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.70%

    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 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 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 188 Main Street Nashua, NH 3060 Full Service B&M $57,643
    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
    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 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

    For 2021, Bar Harbor Bank & Trust had 54 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $110,784
    Net interest income $98,461
    Total noninterest income $38,525
    Gross Fiduciary activities income $13,381
    Service charges on deposit accounts $3,938
    Trading account gains and fees $0
    Additional Noninterest Income $21,206
    Pre-tax net operating income $53,106
    Securities gains (or losses, -) $2,870
    Income before extraordinary items $44,906
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $44,906
    Minority interest net income $0
    Net income $44,906
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $42,610

    Bar Harbor Bank & Trust's gross interest income from loans was $110,784,000.
    Bar Harbor Bank & Trust's net interest income from loans was $98,461,000.
    Bar Harbor Bank & Trust's fee based income from loans was $3,938,000.
    Bar Harbor Bank & Trust's net income from loans was $44,906,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,323
    Provision for credit losses $-1,124
    Total noninterest expense $85,004
    Salaries and employee benefits $42,729
    Premises and equipment expense $11,816
    Additional noninterest expense $30,459
    Applicable income taxes $11,070
    Net charge-offs $291
    Cash dividends $15,557

    Bar Harbor Bank & Trust's interest expense for loans was $12,323,000.
    Bar Harbor Bank & Trust's payroll and benefits expense were $42,729,000.
    Bar Harbor Bank & Trust's property, plant and equipment expenses $11,816,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,051,149
    Deposits held in domestic offices $3,051,149
    Deposits by Individuals, partnerships, and corporations $2,687,560
    Deposits by U.S. Government $1,579
    Deposits by States and political subdivisions in the U.S. $297,212
    Deposits by Commercial banks and other depository institutions in U.S. $64,798
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $706,803
    Demand deposits $218,277
    Nontransaction accounts $2,344,346
    Money market deposit accounts (MMDAs) $1,290,144
    Other savings deposits (excluding MMDAs) $628,670
    Total time deposits $425,532
    Total time and savings deposits $2,832,872
    Noninterest-bearing deposits $667,025
    Interest-bearing deposits $2,384,124
    Retail deposits $2,969,703
    IRAs and Keogh plan accounts $57,409
    Brokered deposits $16,145
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,706,587
    Cash & Balances due from depository institutions $249,851
    Interest-bearing balances $216,936
    Total securities $618,268
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,514,716
    Loan and leases loss allowance $22,718
    Trading account assets $0
    Bank premises and fixed assets $48,589
    Other real estate owned $0
    Goodwill and other intangibles $129,883
    All other assets $145,280

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,706,587
    Total Liabilities $3,226,673
    Total deposits $3,051,149
    Interest-bearing deposits $2,384,124
    Deposits held in domestic offices $3,051,149
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $19,802
    Trading liabilities $0
    Other borrowed funds $98,598
    Subordinated debt $0
    All other liabilities $57,124

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,514,716
    Loan and leases loss allowance $22,718
    Total loans and leases (domestic) $2,537,434
    All real estate loans $2,180,919
    Real estate loans in domestic offices $2,180,919
    Construction and development loans $86,221
    Residential 1-4 family construction $29,958
    Other construction, all land development and other land $56,263
    Loans secured by nonfarm nonresidential properties $991,618
    Nonfarm nonresidential secured by owner-occupied properties $238,075
    Commercial real estate & other non-farm, non-residential $753,543
    Multifamily residential real estate $133,549
    1-4 family residential loans $950,486
    Farmland loans $19,045
    Loans held in foreign offices $0
    Farm loans $26,791
    Commercial and industrial loans $233,669
    To non-U.S. addressees $203
    Loans to individuals $8,121
    Credit card loans $1,047
    Related Plans $865
    Consumer Auto Loans $1,830
    Other loans to individuals $4,379
    All other loans & leases $87,933
    Loans to foreign governments and official institutions $0
    Other loans $46,626
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $32
    Restructured Loans & leases $3,848
    Non 1-4 family restructured loans & leases $1,383
    Total loans and leases (foreign) $0

    Bar Harbor Bank & Trust had $2,514,716,000 of loans outstanding in 2021. $2,180,919,000 of loans were in real estate loans. $86,221,000 of loans were in development loans. $133,549,000 of loans were in multifamily mortgage loans. $950,486,000 of loans were in 1-4 family mortgage loans. $26,791,000 of loans were in farm loans. $1,047,000 of loans were in credit card loans. $1,830,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 902 $165,743 $183,751
    Nonfarm, nonresidential loans - <$100k 173 $5,457 $31,543
    Nonfarm, nonresidential loans - $100-250k 339 $37,974 $112,018
    Nonfarm, nonresidential loans - $250k-1MM 390 $122,312 $313,621
    Commercial & Industrial, US addressed loans - <$1MM 1,448 $57,401 $39,642
    Commercial & Industrial, US addressed loans - <$100k 1,112 $12,811 $11,521
    Commercial & Industrial, US addressed loans - $100-250k 204 $16,110 $78,971
    Commercial & Industrial, US addressed loans - $250k-1MM 132 $28,480 $215,758
    Farmland loans - <$1MM 16 $1,666 $104,125
    Farmland loans - <$100k 7 $204 $29,143
    Farmland loans - $100-250k 9 $1,462 $162,444
    Agriculture operations loans - <$1MM 217 $13,348 $61,512
    Agriculture operations loans - <$100k 139 $3,393 $24,410
    Agriculture operations loans - $100-250k 62 $6,615 $106,694
    Agriculture operations loans - $250k-1MM 16 $3,340 $208,750