Bar Harbor Bank & Trust

82 Main Street
Bar Harbor, ME 4609
888-853-7100
www.bhbt.com

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Bar Harbor Bank & Trust is headquartered in Bar Harbor and is the 5^th largest bank in the state of Maine. It is also the 558^th largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 165 employees at 12 locations. Bar Harbor Bank & Trust's savings rates are 2X the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Bar Harbor Bank & Trust Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$10k	E-Choice Checking - Qualifiers Met
0.25%	$100k	-	Business Checking with Interest
0.20%	$50k	-	Preferred Choice Checking
0.10%	$100	-	Small Business Plus NOW
0.10%	-	-	Free Non-Profit BusinessPlus Checking
0.10%	-	-	Gold Wave Checking
0.10%	-	-	E-Choice Checking - Qualifiers NOT met

Bar Harbor Bank & Trust Savings Account Rates

Apy	Min	Max	Product
1.50%	$25k	-	Health Savings Account
0.15%	-	-	Statement Savings
0.15%	-	-	Transfer Club Account

Bar Harbor Bank & Trust Money Market Rates

	Apy	Min	Max	Product
	0.30%	$250k	-	Investors Choice

Bar Harbor Bank & Trust CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month and Over CD
1.10%	$500	-	48 - 59 Month CD
0.80%	$500	-	36 - 47 Month CD
0.70%	$500	-	30 - 35 Month CD
0.70%	$1k	-	23 Month CD Special with Checking Account
0.60%	$500	-	24 - 29 Month CD
0.50%	$500	-	18 - 23 Month CD
0.47%	$1k	-	14 Month CD Special with Checking Account
0.35%	$500	-	12 - 17 Month CD
0.25%	$500	-	6 - 11 Month CD
0.20%	$500	-	30 - 59 Day CD
0.20%	$500	-	60 - 89 Day CD
0.20%	$500	-	90 - 180 Day CD

Bar Harbor Bank & Trust IRA Rates

Apy	Min	Max	Product
1.60%	$100	-	60 Month and Over IRA
1.60%	$100	-	60 Month and Over Roth IRA
1.60%	$100	-	60 Month and Over CESA
1.10%	$100	-	48 - 59 Month IRA
1.10%	$100	-	48 - 59 Month Roth IRA
1.10%	$100	-	48 - 59 Month CESA
0.80%	$100	-	36 - 47 Month IRA
0.80%	$100	-	36 - 47 Month Roth IRA
0.80%	$100	-	36 - 47 Month CESA
0.70%	$100	-	30 - 35 Month IRA
0.70%	$100	-	30 - 35 Month Roth IRA
0.70%	$100	-	30 - 35 Month CESA
0.70%	$1k	-	23 Month CESA Special with Checking Account
0.70%	$1k	-	23 Month IRA Special with Checking Account
0.70%	$1k	-	23 Month Roth IRA Special with Checking Account
0.60%	$100	-	24 - 29 Month IRA
0.60%	$100	-	24 - 29 Month Roth IRA
0.60%	$100	-	24 - 29 Month CESA
0.50%	$100	-	18 - 23 Month IRA
0.50%	$100	-	18 - 23 Month Roth IRA
0.50%	$100	-	18 - 23 Month CESA
0.47%	$1k	-	14 Month IRA Special with Checking Account
0.47%	$1k	-	14 Month Roth IRA Special with Checking Account
0.47%	$1k	-	14 Month CESA Special with Checking Account
0.35%	$100	-	12 - 17 Month IRA
0.35%	$100	-	12 - 17 Month Roth IRA
0.35%	$100	-	12 - 17 Month CESA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Bar Harbor Bank & Trust
FDIC Certificate #	11971
BankRate Report	View
Year Established	1887
Employees	165
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.17 billion
Loans	$720.78 million
Deposits	$723.64 million
Equity Capital	$119.06 million
Loan Loss Allowance	$8.22 million
Unbacked Noncurrent Loans	$12.54 million
Real Estate Owned	$2.70 million
Historic Data - December 2010
Assets	$1.12 billion
Equity Capital	$104.60 million
Loan Loss Allowance	$8.50 million
Unbacked Noncurrent Loans	$13.44 million
Real Estate Owned	$656,000
Profit Margin - Quarterly
Net Interest Margin	3.16%
Return on Assets	1.02%
Return on Equity	10.49%
Interest Income	$50.91 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bar Harbor Bank & Trust had $15.24 million in non-current loans and owned real-estate with $127.28 million in equity and loan loss allowances on hand to cover it. This gives Bar Harbor Bank & Trust a Texas Ratio of 11.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bar Harbor Bank & Trust held steady from 12.17% as of December 31, 2010 to 11.97% as of December 31, 2011, resulting in a positive change of 1.58%.This indicates that the balance sheet and financial strength for Bar Harbor Bank & Trust has held steady in recent periods.
Deposit Growth
In the past year, Bar Harbor Bank & Trust has increased its total deposits by $15 million, resulting in 2.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bar Harbor Bank & Trust has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bar Harbor Bank & Trust has $1.17 billion in assets with $127.28 million in equity, resulting in a capitalization level of 10.91%, which is above average.

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