BAR HARBOR BANKSHARES

For the period ended Sep 30, 2025. Filed Nov 6, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 6, 2025

BHB$41.01-0.6%Stored close · as of Nov 6, 2026

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Contents

Average Balances and Average Yields/Rates

AVERAGE BALANCES AND AVERAGE YIELDS/RATES** (UNAUDITED)**

The following tables present average balances and average yields and rates on an annualized fully taxable equivalent basis for the periods included:


	Three Months Ended September 30,
· · 2025 · · 2024
· · Average · · · · · Yield/ · · Average · · · · · Yield/
(in thousands, except ratios) · Balance · Interest(3) · Rate(3) · · Balance · Interest(3) · Rate(3)
Assets · · · · · · ·
Interest-earning deposits with other banks		$81,709	$924	4.49%	$54,897	$765	5.54%
Available-for-sale debt securities		631,572	6,589	4.14	591,331	5,733	3.86
FHLB stock		11,168	217	7.71	10,158	258	10.10
Loans:
Commercial real estate		1,887,267	27,970	5.88	1,645,933	23,445	5.67
Commercial and industrial		483,380	7,860	6.45	473,049	8,297	6.98
Residential		963,311	10,731	4.42	851,426	8,793	4.11
Consumer		120,941	2,205	7.23	101,230	1,840	7.23
Total loans (1)		3,454,899	48,766	5.60	3,071,638	42,375	5.49
Total earning assets		4,179,348	56,496	5.36%	3,728,024	49,131	5.24%
Cash and due from banks		38,709			34,036
Allowance for credit losses		(31,246)			(28,893)
Goodwill and other intangible assets		139,822			123,761
Other assets		191,446			170,113
Total assets		$4,518,079			$4,027,041

Liabilities
Interest-bearing demand		$1,059,214	$3,779	1.42%	$888,325	$3,314	1.48%
Savings		617,314	994	0.64	547,482	958	0.70
Money market		432,952	2,825	2.59	378,855	2,985	3.13
Time		961,054	8,821	3.64	807,180	8,917	4.39
Total interest bearing deposits		3,070,534	16,419	2.12	2,621,842	16,174	2.45
Borrowings		250,110	2,544	4.04	312,891	3,448	4.38
Total interest bearing liabilities		3,320,644	18,963	2.27%	2,934,733	19,622	2.66%
Non-interest bearing demand deposits		647,981			577,428
Other liabilities		46,962			60,731
Total liabilities		4,015,587			3,572,892

Total shareholders' equity		502,492			454,149

Total liabilities and shareholders' equity		$4,518,079			$4,027,041

Net interest spread				3.09%			2.58%
Net interest margin				3.56			3.15

(1)	The average balances of loans include non-accrual loans and unamortized deferred fees and costs.

(2)	The average balance for securities available for sale is based on amortized cost.

(3)	Fully taxable equivalent considers the impact of tax-advantaged securities and loans.


· · Nine Months Ended September 30,
· · 2025 · · 2024
· · Average · · Interest · · Yield/ · · Average · · Interest · · Yield/
(in thousands, except ratios) · Balance · (3) · Rate(3) · · Balance · (3) · Rate(3)
Assets
Interest-earning deposits with other banks	$46,853	$1,514	4.32%	$39,174	1,685	5.75%
Available-for-sale debt securities	605,464	17,795	3.93	579,639	17,324	3.99
FHLB stock	11,395	566	6.64	10,417	745	9.42
Loans:
Commercial real estate	1,810,579	77,531	5.73	1,603,932	66,934	5.57
Commercial and industrial(3)	474,664	22,962	6.47	468,913	23,882	6.80
Residential	871,178	27,573	4.23	865,701	26,676	4.12
Consumer	112,195	5,910	7.04	98,492	5,323	7.22
Total loans (1)	3,268,616	133,976	5.48	3,037,038	122,815	5.40
Total earning assets	3,932,328	153,851	5.23%	3,666,268	142,569	5.19%
Cash and due from banks	33,247			32,188
Allowance for credit losses	(30,522)			(28,543)
Goodwill and other intangible assets	130,151			123,983
Other assets	179,540			181,816
Total assets	$4,244,744			$3,975,712

Liabilities
Interest-bearing demand	$969,162	$10,203	1.41%	$882,884	9,276	1.40%
Savings	573,759	2,911	0.68	547,436	2,696	0.66
Money market	412,263	8,248	2.67	375,216	8,560	3.05
Time	902,696	26,080	3.86	775,316	24,954	4.30
Total interest bearing deposits	2,857,880	47,442	2.22	2,580,852	45,486	2.35
Borrowings	259,086	8,845	4.56	326,648	10,983	4.49
Total interest bearing liabilities	3,116,966	56,287	2.41%	2,907,500	56,469	2.59%
Non-interest bearing demand deposits	589,894			561,063
Other liabilities	58,473			71,187
Total liabilities	3,765,333			3,539,750

Total shareholders' equity	479,411			435,962

Total liabilities and shareholders' equity	$4,244,744			$3,975,712

Net interest spread			2.82%			2.60%
Net interest margin			3.32			3.14

(1)	The average balances of loans include non-accrual loans and unamortized deferred fees and costs.

(2)	The average balance for securities available for sale is based on amortized cost.

(3)	Fully taxable equivalent considers the impact of tax-advantaged securities and loans.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.