Bank · Bar Harbor, ME
Bar Harbor Bank & Trust: SBA lending profile
#338
National rank by loans
Bar Harbor Bank & Trust approved 109 SBA loans worth $14.6M between October 2021 and June 2026, ranking #338 of 2,283 SBA lenders nationally by loan count. Its median loan was $67,400, and 33% went to startups or businesses under two years old. It lent in 3 states, most often in New Hampshire, and its most financed industry was construction.
SBA loans per fiscal year
0 27 53 80 FY14: 52 loans FY14 FY15: 70 loans FY15 70 FY16: 49 loans FY16 FY17: 23 loans FY17 FY18: 25 loans FY18 FY19: 28 loans FY19 FY20: 41 loans FY20 FY21: 31 loans FY21 FY22: 12 loans FY22 FY23: 27 loans FY23 FY24: 37 loans FY24 FY25: 32 loans FY25 FY26 (Oct to Jun): 1 loans FY26 1 Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Where Bar Harbor Bank & Trust lends
Industries Bar Harbor Bank & Trust finances
Industry Loans Share Median loan
Construction 18
$145,150 Retail 18
$67,200 Administrative and support services 17
$44,000 Health care and social assistance 10
$30,000 Restaurants and hotels 7
$54,900 Other services (repair, personal care) 6
$139,500 Real estate and rental 6
$85,000 Manufacturing 6
$68,500 Agriculture, forestry and fishing 5
$56,000 Transportation and warehousing 4
$91,000
Loan size mix
Under $150,000 65% $150,000 to $500,000 33% $500,000 to $2 million 2% $2 million and up 0% Loan programs used
SBA Express 51% Preferred Lender (PLP) 48% Standard 7(a) 1%
Bank financials · Q2 2026
Total assets
$4.7B
Return on assets (annualized)
1.42%
Tier 1 capital to assets
10.0%
Business (C&I) loans
$264.9M
Noncurrent loans
0.32%
Uninsured deposits
20%
From the bank's FDIC call report. Shown for context, not as a rating. FDIC certificate 11971.
Loan terms
Median initial rate, FY2025 to date
8.12%
Variable-rate share
33%
Median term
7 years
Startups and new businesses
33%
Charge-off rate, 2010 to 2019 loans now closed
3.3%
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See its SBA market share in every state and county, who is taking share from it, how its rates compare, and the busy counties where it makes no loans.
See its market report Figures come from the SBA's public loan records and describe loans the SBA approved, not applications or the lender's full business.
Methodology