Revenue: As of FY2026 Q1, the actual value is USD 65.66 M.EPS: As of FY2026 Q1, the actual value is USD 0.81, missing the estimate of USD 0.86.EBIT: As of FY2026 Q1, the actual value is USD -19.72 M.<h4>Overall Financial Performance</h4><ul><li>Net Income: Bar Harbor 银行 (Bar Harbor Bankshares) reported a net income of $13.5 million for the three months ended March 31, 2026, an increase from $10.2 million for the same period in 2025. </li><li>Diluted Earnings Per Share: Diluted earnings per share rose to $0.81 in Q1 2026 from $0.66 in Q1 2025. </li><li>Net Interest Margin: The net interest margin improved to 3.54% in Q1 2026, compared to 3.17% in Q1 2025. </li><li>Efficiency Ratio: The efficiency ratio decreased to 56.92% from 62.00% over the same periods. </li><li>Total Assets: Total assets were approximately $4.7 billion at March 31, 2026. </li></ul><h4>Cash and Cash Equivalents</h4><ul><li>Total Cash and Cash Equivalents: Increased to $82.2 million at March 31, 2026, from $80.8 million at December 31, 2025, primarily due to loan payoffs.</li><li>Interest-Earning Deposits with Other Banks: Increased to $46.6 million from $35.9 million, with a quarter-end yield of 3.90% compared to 4.53% at December 31, 2025.</li></ul><h4>Securities</h4><ul><li>Available-for-Sale Debt Securities: Stood at $598.0 million at March 31, 2026, a slight increase from $597.4 million at December 31, 2025.</li><li>Net Unrealized Losses: Increased to $52.4 million from $47.5 million, with $6.7 million attributed to fair value hedged municipal securities.</li><li>Security Purchases: The company purchased $25.2 million in securities during the quarter.</li><li>Paydowns and Calls: Experienced $19.3 million in paydowns and calls.</li><li>Net Accretion: Recorded $411 thousand in net accretion.</li><li>Weighted Average Yield (Securities Portfolio): Was 4.05% for the quarter-to-date, up from 4.03% at the end of Q4 2025.</li><li>Average Life of Securities Portfolio: 7.6 years.</li><li>Effective Duration of Securities Portfolio: 5.4 years.</li></ul><h4>Loans</h4><ul><li>Total Loans: Decreased by $20.6 million to $3.6 billion in Q1 2026 compared to Q4 2025, mainly due to commercial real estate payoffs.</li><li>Commercial Real Estate Loans: Decreased by $30.2 million, including one early payoff of $14.4 million and $24.4 million in matured loans.</li><li>Loans Held for Sale: Increased to $11.5 million from $5.3 million, with $23.6 million originated and $16.2 million sold during the quarter.</li><li>Allowance for Credit Losses on Loans: Increased to $34.3 million at March 31, 2026, from $34.1 million at December 31, 2025.</li><li>Provision for Credit Losses on Loans: Was $305 thousand in Q1 2026, compared to - $57 thousand in Q1 2025.</li><li>Non-Accrual Loans: Increased to $23.1 million at March 31, 2026, from $11.6 million at December 31, 2025.</li><li>Collateral-Dependent Loans: Increased significantly to $16.0 million at March 31, 2026, from $5.2 million at December 31, 2025, primarily driven by commercial real estate non-owner occupied loans.</li></ul><h4>Deposits</h4><ul><li>Total Deposits: Increased by $46.4 million to $3.87 billion at March 31, 2026, from $3.82 billion at December 31, 2025.</li><li>Non-Interest Bearing Demand Deposits: Decreased to $651.3 million from $670.8 million.</li><li>Interest-Bearing Demand Deposits: Increased to $1.15 billion from $1.14 billion.</li><li>Savings Deposits: Grew to $649.3 million from $635.3 million.</li><li>Money Market Deposits: Increased to $493.4 million from $464.8 million.</li><li>Time Deposits: Increased to $920.8 million from $912.6 million, including brokered deposits of $169.6 million and reciprocal deposits of $80.6 million.</li></ul><h4>Borrowings</h4><ul><li>Total Borrowings: Decreased to $215.7 million at March 31, 2026, from $269.6 million at December 31, 2025.</li><li>Short-Term Borrowings: Decreased to $80.3 million from $134.8 million.</li><li>Long-Term Borrowings: Slightly increased to $135.4 million from $134.8 million.</li><li>Weighted Average Rate on Total Borrowings: Was 5.20% at March 31, 2026, up from 4.93% at December 31, 2025.</li><li>Federal Home Loan Bank (FHLB) Advances: Decreased by $54.5 million during the quarter.</li><li>Available Credit Lines: The company has access to $94.5 million in secured lines of credit at the Federal Reserve Bank and an unused unsecured federal funds line of credit of $40.0 million.</li></ul><h4>Capital Ratios</h4><ul><li>Regulatory Capital Status: Bar Harbor 银行 (Bar Harbor Bankshares) and its subsidiary, Bar Harbor Bank &amp; Trust, exceeded all regulatory capital requirements and were considered well capitalized as of March 31, 2026.</li><li>Total Capital to Risk-Weighted Assets: 13.43%.</li><li>Common Equity Tier 1 Capital to Risk-Weighted Assets: 11.22%.</li><li>Tier 1 Capital to Risk-Weighted Assets: 11.77%.</li><li>Tier 1 Capital to Average Assets (Leverage Ratio): 9.66%.</li></ul><h4>Other Intangible Assets and Goodwill</h4><ul><li>Goodwill: Remained stable at $141.8 million at March 31, 2026.</li><li>Other Intangible Assets: Totaled $15.8 million, down from $16.4 million at December 31, 2025.</li><li>Amortization Expense for Intangibles: Was $582 thousand in Q1 2026, compared to $233 thousand in Q1 2025.</li></ul><h4>Future Outlook and Strategy</h4>Bar Harbor 银行 (Bar Harbor Bankshares) expects to recover the amortized cost basis on all securities in its available-for-sale portfolio and does not intend or anticipate being required to sell any securities in an unrealized loss position prior to their recovery. No measurement-period adjustments related to the Guaranty Bancorp, Inc. acquisition were recognized during the three months ended March 31, 2026, as the acquisition accounting remains provisional.

Bar Habour Bankshares | 10-Q: FY2026 Q1 Revenue: USD 65.66 M