Bar Harbor Savings and Loan Association

103 Main Street
Bar Harbor, ME 04609

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30878
Date Established 1902
Assets $0.10 billion
Loans $0.09 billion
Deposits $0.08 billion
Capital $0.01 billion

Bar Harbor Savings and Loan Association is an FDIC insured institution located in Bar Harbor, ME. It was founded in 1902 and has approximately $0.1 billion in assets.

For a more detailed analysis of Bar Harbor Savings and Loan Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bar Harbor Savings and Loan Association’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Maine, Bar Harbor Savings and Loan Association has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 88.21
Multifamily
Mortgages
1.99
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 2.10
Commercial Real Estate 8.46
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.60% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.65% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.00% $1 $2,499 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.50% $2,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bar Harbor Savings and Loan Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Bar Harbor Savings and Loan Association
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Branches

Bar Harbor Savings and Loan Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bar Harbor Savings and Loan Association Locations

Financial Details

Bar Harbor Savings and Loan Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bar Harbor Savings and Loan Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bar Harbor Savings and Loan Association U.S. Bank Average
5.27% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bar Harbor Savings and Loan Association had $578,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,138,000 in equity and $826,000 in loans loss reserves. That gives it a Texas Ratio of 5.27%.

Return on Equity
Bar Harbor Savings and Loan Association U.S. Bank Average
9.45% 8.84%

Bar Harbor Savings and Loan Association has a Return on Equity of 9.45% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bar Harbor Savings and Loan Association U.S. Bank Average
9.68% 12.21%

Bar Harbor Savings and Loan Association has a Capitalization of 9.68% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bar Harbor Savings and Loan Association Balance Sheet Analysis

As of September 30, 2017, Bar Harbor Savings and Loan Association had assets of $104,684,000, loans of $85,756,000, and deposits of $80,727,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bar Harbor Savings And Loan Association

Branches and Savings

Is Bar Harbor Savings And Loan Association FDIC insured?

Yes. It is covered under FDIC Certificate #30878.

Why does Bar Harbor Savings And Loan Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bar Harbor Savings And Loan Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bar Harbor Savings And Loan Association a commercial bank?

Yes

Where are Bar Harbor Savings And Loan Association locations?

See branch locations nearby.

Is Bar Harbor Savings And Loan Association open on Saturdays?

Is Bar Harbor Savings And Loan Association open on Sundays?

What time does Bar Harbor Savings And Loan Association open?

What time does Bar Harbor Savings And Loan Association close?

Are Bar Harbor Savings And Loan Association ATMs Open 24/7?

Do Bar Harbor Savings And Loan Association ATMs accept cash deposits?

Can Bar Harbor Savings And Loan Association customers use other ATMs?

Do Bar Harbor Savings And Loan Association branches have notaries?

Will Bar Harbor Savings And Loan Association notarize my document?

What address for Bar Harbor Savings And Loan Association should I put for incoming ACH transfers?

Will the Bar Harbor Savings And Loan Association branch print checks?

Do Bar Harbor Savings And Loan Association checks expire?

Does Bar Harbor Savings And Loan Association require US citizenship to open account?

Can Bar Harbor Savings And Loan Association close my account?

Does Bar Harbor Savings And Loan Association Report to credit bureaus?

Does Bar Harbor Savings And Loan Association Use Equifax?

What is Bar Harbor Savings And Loan Association's ACH Routing Number?

What is Bar Harbor Savings And Loan Association's SWIFT code?

Products

Does Bar Harbor Savings And Loan Association offer mortgages?

Compare mortgage rates here.

Does Bar Harbor Savings And Loan Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bar Harbor Savings And Loan Association offer personal loans?

Compare personal loan rates here.

Does Bar Harbor Savings And Loan Association offer student loans?

Will Bar Harbor Savings And Loan Association cash a check?

Will Bar Harbor Savings And Loan Association redeem a savings bond?

Does Bar Harbor Savings And Loan Association cash savings bonds?

Will Bar Harbor Savings And Loan Association cash money orders?

Can Bar Harbor Savings And Loan Association issue a money order?

Does Bar Harbor Savings And Loan Association do currency exchange?

Background on The Bank

Who owns Bar Harbor Savings And Loan Association?

How long has Bar Harbor Savings And Loan Association been around?

Can Bar Harbor Savings And Loan Association transfer to other banks?

Does Bar Harbor Savings And Loan Association have quick pay?

Does Bar Harbor Savings And Loan Association accept rolled coins?

Will Bar Harbor Savings And Loan Association accept loose change?

Where is Bar Harbor Savings And Loan Association headquarters?

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