Compared with Maine
13 of 21
compared fees are above the median.
2 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
70th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Maine median
of 21 compared; 2 below, 6 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Bar Harbor Bank & Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Maine median | Published fees above the Maine median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bar Harbor Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.1% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (70th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.6M in Q2 2026, 31% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 21 compared published fees sit above the Maine median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maine medians for fees published by banks and credit unions.
Monthly Maintenance
E-Choice Checking $6 · Relationship Reward Checking $15
Compared at $10.50, the middle of its prices
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 11% from Q3 2025 to Q2 2026, to $1.6M. Its share of revenue, 3.1%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.6M
Bar Harbor Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $15; we compare the midpoint.
Bar Harbor Bank & Trust · $4.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bar Harbor Bank & Trust(this institution) | Bar Harbor, ME | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrow Bank National Association | Glens Falls, NY | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carter Bank & Trust | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community Bank of Mississippi | Flowood, MS | $5.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Bank | Fresno, CA | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank | Lake City, FL | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank Alaska | Anchorage, AK | $5.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Community Bank | Farmington, MO | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hills Bank and Trust Company | Hills, IA | $4.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hingham Institution for Savings | Hingham, MA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| HomeTrust Bank | Asheville, NC | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Brownsville, TX | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Bank | Poplar Bluff, MO | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern First Bank | Greenville, SC | $4.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Exchange Bank | Crowley, TX | $4.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wheaton Bank & Trust, National Association | Wheaton, IL | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10.50, the middle of its two prices, against a peer median of $7.75 among 15 publishing peers.
Its two checking prices are $6 and $15.
$10.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Bar Harbor Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.6M | +$87K | +5.7% |
| Q1 2026 | $1.5M | −$78K | −4.9% |
| Q4 2025 | $1.6M | +$151K | +10.5% |
| Q3 2025 | $1.4M | +$218K | +17.8% |
| Q2 2025 | $1.2M | +$49K | +4.2% |
| Q1 2025 | $1.2M | −$36K | −3.0% |
| Q4 2024 | $1.2M | −$30K | −2.4% |
| Q3 2024 | $1.2M | −$111K | −8.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Bar Harbor Bank & Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bar Harbor Bank & Trust by share.
Amounts from Bar Harbor Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| E-Choice Checking Monthly Service Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Relationship Reward Checking Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checking/Savings Account Closed - Open less than 1 year | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee – Checking, Savings, Money Market | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation/Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Statement Handling Fee | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $34Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Automatic Sweep Fee – transfer of funds to cover overdraft 2 | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Automatic Sweep Protection Fee – from overdraft line of credit | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM fee - outside of network/foreign | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM fee - outside of network/foreign 1 | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Foreign Transaction Fee (audience not stated, treated as personal) | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wires: Outgoing Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wires: Outgoing Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Manager’s/Bank Check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Online Banking Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (over phone or in branch) | $34Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (non-customers) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Check Collection | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copies of Check Images | $2Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-customers) (audience not stated, treated as personal) | 5% | Not stated | None |
| Deposit Item Returned | $12Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee (non-customers) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x10 | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 11x13 | $180Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x10 | $77Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4x9.5 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10.5 | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Duplication | $50Not compared: Box drilling or key fee | Not stated | None |
| Legal Process | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Rollover/Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Overnight Delivery | $34.95Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Bar Harbor Bank & Trust operates, and what regulators and customers have on file.
Branch footprint
62 offices in 3 states, $3.9B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 49 | $3.3B |
| 6 | $282.2M | |
| 6 | $238.5M | |
| 1 | $55.6M |
Manchester-Nashua, NH
1.8% of bank deposits, #9 of 24, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citizens Bank, National Association | 29.6% |
| TD Bank, National Association | 23.6% |
| Bank of America, National Association | 19.8% |
| Primary Bank | 3.9% |
| Manufacturers and Traders Trust Company | 3.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Manchester-Nashua, NH, Bar Harbor Bank & Trust holds 1.8% of bank deposits, #9 of 24, with 6 offices.
The fee comparison uses its home metro, Bangor, ME.
129 offices of 35 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 24 institutions shown. $15.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2017 to 2026
June 2026: 1.8% share, 6 offices, #9 of 24
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2017 to 2026.
Credit unions, reported separately
42 offices of 11 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
BAR HARBOR BANKSHARES (NYSE: BHB)
Consolidated assets
$4.7B
Shareholders' equity
$549.6M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 743367. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.