BAR HARBOR SAVINGS AND LOAN ASSOCIATION

BAR HARBOR, ME · Supervised by FDIC

Est. 1902FDIC #30,878RSSD: FDIC-30878

Satisfactory Same

Current rating · Exam: October 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Institution Profile

FDIC BankFind

Website

www.bhsla.com

Address

103 Main St, BAR HARBOR, ME

County

Hancock County

Established

January 1, 1902

Total Assets

$102M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$102M

Total Deposits

$74M

Net Loans

$87M

Net Income

$100K

ROA

0.39%

ROE

3.37%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$73M

1-Year Change

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2016

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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