Bar Harbor Bankshares (BHB)

Bar Harbor Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	183.12	163.85	149.42	107.8	95.24
Interest Income on Investments	26.4	24.88	24.76	18.73	15.57
Total Interest Income	209.52	188.72	174.18	126.53	110.8
Interest Paid on Deposits	63.53	61.7	38.23	7.34	8.54
Interest Paid on Borrowings	11.52	13.19	18.28	5.5	6.69
Total Interest Expense	75.04	74.89	56.51	12.85	15.23
Net Interest Income	134.48	113.84	117.68	113.68	95.57
Net Interest Income Growth (YoY)	18.13%	-3.26%	3.51%	18.95%	-3.64%
Trust Income	16.07	15.7	14.28	14.57	15.18
Mortgage Banking Activities	1.97	2.09	1.59	1.58	6.54
Gain (Loss) on Sale of Assets	-0.26	0.19	-0.18	-0.01	-0.38
Gain (Loss) on Sale of Investments	-5.33	0.05	0.03	0.05	2.87
Other Non-Interest Income	21.75	19.04	19.17	18.44	17.68
Total Non-Interest Income	34.2	37.08	34.89	34.64	41.88
Non-Interest Income Growth (YoY)	-7.77%	6.27%	0.73%	-17.30%	-2.57%
Revenues Before Loan Losses	168.68	150.92	152.57	148.32	137.46
Provision for Loan Losses	5.27	2.13	2.91	2.9	-1.3
Revenue	163.41	148.79	149.66	145.41	138.76
Revenue Growth (YoY)	9.82%	-0.58%	2.92%	4.80%	1.62%
Salaries and Employee Benefits	60.53	51.56	49.87	46.72	44.97
Occupancy Expenses	18.83	16.32	15.76	15.83	14.83
Federal Deposit Insurance	1.92	1.81	1.74	1.02	-
Amortization of Goodwill & Intangibles	1.51	0.93	0.93	0.93	0.94
Selling, General & Administrative	6.74	10.71	10.13	9.32	9.83
Other Non-Interest Expense	17.34	14.83	13.83	16.49	15.05
Total Non-Interest Expense	106.88	96.16	92.26	90.3	85.61
EBT Excluding Unusual Items	56.53	52.63	57.4	55.11	53.15
Other Unusual Items	-	-	-	-	-2.85
Pretax Income	45.94	52.61	57.12	54.85	48.63
Income Tax Expense	9.02	9.07	12.27	11.29	9.33
Net Income	36.92	43.54	44.85	43.56	39.3
Net Income to Common	36.92	43.54	44.85	43.56	39.3
Net Income Growth	-15.21%	-2.92%	2.97%	10.84%	18.21%
Basic Shares Outstanding	16	15	15	15	15
Diluted Shares Outstanding	16	15	15	15	15
Shares Change (YoY)	4.21%	0.76%	0.55%	0.44%	-1.48%
EPS (Basic)	2.32	2.86	2.96	2.90	2.63
EPS (Diluted)	2.31	2.84	2.95	2.88	2.61
EPS Growth	-18.66%	-3.73%	2.43%	10.35%	19.73%
Dividend Per Share	1.260	1.180	1.100	1.020	0.940
Dividend Growth	6.78%	7.27%	7.84%	8.51%	6.82%
Effective Tax Rate	19.63%	17.24%	21.47%	20.58%	19.18%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q