Bank · FDIC insured
Bar Harbor Savings & Loan
A $103.2M bank headquartered in Bar Harbor, ME, with 1 branch in Maine. Best rates: CDs 4.07% and savings 0.10% APY.
Bar Harbor Savings & Loan Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#57 of 72 in MaineHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bar Harbor Savings & Loan
Founded in 1902 and based in Bar Harbor, Maine, Bar Harbor Savings & Loan is a mutual association owned and managed by its members.
Originally incorporated to promote savings and affordable home ownership, the bank serves Mount Desert Island and Hancock County.
- Headquarters
- 103 Main St, Bar Harbor, ME 04609
- FDIC certificate
- 30878 ↗
Branches
1 branch in Maine
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Maine
1 branch
- Bar Harbor Savings and Loan AssociationMain office103 Main St, Bar Harbor, ME 04609Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.13% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.32% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $122 | $81 | — |
- CapitalLeverage ratio11.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.13%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.32%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$122Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bar Harbor Savings & Loan are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.