Bar Harbor Bankshares is classed by the SEC under State Commercial Banks (industry code 6022), based in Bar Harbor, ME. Its latest filed balance sheet (2025-12-31) shows total assets of $4.7 billion (its filed statements).
Lending businessState Commercial BanksBar Harbor, MEfilings since 19959 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.2 out of ten, 9 of 9 metrics filed: past 3.9 out of ten, present 4.7 out of ten, future 3.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 3.5 out of ten. 1 warning event since 2017; the latest 2025-03-14. 35th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 3.8 out of ten. +15.5% a year over 10 filed years; profitable in 10 of 10. 38th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 4.5 out of ten. Share count grew 1.8% a year. 37% of cash flow returned. Insiders: 0 sales, 3 purchases. 45th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 3.5 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 35th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.1 out of ten. bottom 41% of 155 in its family; net margin 17.6%. 41st percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 7.8 out of ten. top 22% of 150 in its family for leadership; chief executive since 2016. 78th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 2.2 out of ten. bottom 22% of 142 in its family for room to expand. 22nd percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 6.1 out of ten. top 39% of 152 in its family for growth drivers. 61st percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 3.2 out of ten. bottom 32% of 150 in its family for expectations against reality. 32nd percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-21 (on EDGAR). Newest filing: Form 4, 2026-09-22. Filings on record since 1995. Read from EDGAR 2026-10-12.
Who runs it
Simard, Curtis C (PRESIDENT/CEO); Scully, Joseph Patrick (Senior Vice President); Williams, John Mogan (Senior Vice President); Colombo, Marion (EXECUTIVE VICE PRESIDENT); Dipaola, Alison Noelle (Senior Vice President); Edgar, Jason Paul (PRESIDENT OF BHWM); Mercier, John M (EXECUTIVE VICE PRESIDENT); Iannelli, Josephine (EVP, CFO & TREASURER); Caras, Matthew L (director); Colter, David M (director); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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