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Dec 31, 2025
Bar Harbor Bankshares Q4 2025 Earnings Report
Bar Harbor Bankshares reported a strong fourth quarter, with net income rising to $11.8 million and continued margin expansion.
Key Takeaways
Bar Harbor Bankshares delivered a solid Q4 2025 with increased profitability and improved net interest margin. The company saw core earnings of $15.5 million and maintained stable asset quality, while also benefiting from its recent acquisition of Woodsville Guaranty Savings Bank.
Reported GAAP net income of $11.8 million and diluted EPS of $0.70
Core (non-GAAP) earnings reached $15.5 million, or $0.93 per diluted share
Net interest margin improved to 3.62% in Q4 2025
Efficiency ratio remained strong at 57.24%
Revenue by Segment
Forward Guidance
Bar Harbor Bankshares enters 2026 in a strong position following the successful integration of the Woodsville acquisition, with a continued focus on growth and earnings consistency.
Positive Outlook
- Successful integration of Woodsville Guaranty Savings Bank
- Improved net interest margin to 3.62%
- Commercial loan growth of 8% annualized in Q4
- Assets under management in wealth management reached $3.5 billion
- Consistent profitability and strong core ROA of 1.32%
Challenges Ahead
- Decrease in cash and cash equivalents to $80.8 million
- Non-interest expenses increased due to acquisition-related costs
- Residential real estate loans declined by $23.5 million
- Higher borrowing levels due to deposit maturities
Historical Earnings Impact
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Avg. Return Before/After Earnings
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