HMDA records
972
2025
Public institution profile · Bank · Not a recommendation
Bar Harbor Bank & Trust
BankBar Harbor, MEActive
FDIC certificate 11971
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 11971
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 522605
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://www.barharbor.bank
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Bar Harbor, ME
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 62
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam June 1, 2025
- Institution history
- 3 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Bar Harbor, ME
- activity
- Published activity year 2025
- Listed branch locations
- 62
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam June 1, 2025
- Institution history
- 3 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
972reported records
579reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
579
2025
Denials
200
2025
Withdrawals
143
2025
Denial rate among decisioned applications
25.5%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 972 | 579 | 4 | 200 | 143 | 25.5% |
| 2024 | 876 | 543 | 3 | 186 | 105 | 25.4% |
| 2023 | 991 | 615 | 3 | 203 | 131 | 24.7% |
| 2022 | 1,597 | 823 | 4 | 188 | 151 | 18.5% |
| 2021 | 1,905 | 1,321 | 9 | 195 | 246 | 12.8% |
| 2020 | 2,344 | 1,588 | 6 | 313 | 348 | 16.4% |
| 2019 | 1,471 | 923 | 35 | 234 | 140 | 19.6% |
| 2018 | 1,209 | 764 | 29 | 154 | 111 | 16.3% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 972 |
| FHA | 0 |
| VA | 0 |
| RHS / FSA | 0 |
| Home purchase | 301 |
| Home improvement | 243 |
| Refinancing | 157 |
| Cash-out refinancing | 78 |
State reporting
6 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Bar Harbor Bank & Trust
- Display name
- Bar Harbor Bank & Trust
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- September 15, 1887
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Bar Harbor, ME, 04609, United States
- Website
- https://www.barharbor.bank
- FDIC certificate number
- 11971
- Federal Reserve
- 522605
- Domestic location count
- 62
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 11971
- Federal Reserve
- 522605
- Headquarters
- 82 Main Street, Bar Harbor, ME, 04609, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- June 1, 2025
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| June 1, 2025 | Satisfactory | FDIC | Large Bank Exam |
| April 1, 2022 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2018 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 2014 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2012 | Satisfactory | FDIC | Large Bank Exam |
| June 1, 2009 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2006 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2003 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 1999 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 1996 | Satisfactory | FDIC | Small Bank |
| April 1, 1994 | Satisfactory | FDIC | Not Reported |
| August 18, 1990 | Satisfactory | FDIC | Not Reported |
Formal hierarchy
FFIEC NIC hierarchy rows
5
Showing 1 through 5 of 5 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | CHARTER HOLDING CORPORATION | Domestic Entity Other | Concord, NH |
| Direct relationship | COTTAGE STREET CORP. | Domestic Entity Other | Bar Harbor, ME |
| Direct relationship | LAKE SUNAPEE FINANCIAL SERVICES CORP | Domestic Entity Other | Newport, NH |
| Direct relationship | LAKE SUNAPEE GROUP, INC. | Domestic Entity Other | Newport, NH |
| ROOT_INSTITUTION | BAR HARBOR BANK AND TRUST COMPANY | Non-member Bank | Bar Harbor, ME |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
62
Showing 1 through 50 of 62 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| MAIN STREET BANGOR BRANCH | 201 Main Street | Bangor | ME | 04401 |
| STILLWATER AVE BANGOR BRANCH | 920 Stillwater Ave | Bangor | ME | 04401 |
| UNION STREET BANGOR BRANCH | 992 Union Street | Bangor | ME | 04401 |
| BLUE HILL BRANCH | 21 Main Street | Blue Hill | ME | 04614 |
| BREWER BRANCH | 366 Wilson Street | Brewer | ME | 04412 |
| BRUNSWICK | 148 Bath Road | Brunswick | ME | 04011 |
| DEER ISLE BRANCH | 25 Church Street | Deer Isle | ME | 04627 |
| ELLSWORTH BRANCH | 125 High Street | Ellsworth | ME | 04605 |
| LUBEC BRANCH | 68 Washington Street | Lubec | ME | 04652 |
| MACHIAS BRANCH | 41 Main Street | Machias | ME | 04654 |
| MILBRIDGE BRANCH | Bridge And Main Street | Milbridge | ME | 04658 |
| SOMESVILLE BRANCH | 1055 Main Street | Mount Desert | ME | 04660 |
| NEWPORT ME BRANCH | 44 Moosehead Trail | Newport | ME | 04953 |
| NORTHEAST HARBOR AGENCY BRANCH | 111 Main Street | Northeast Harbor | ME | 04662 |
| ORONO BRANCH | 69 Main Street | Orono | ME | 04473 |
| PITTSFIELD BRANCH | 109 Main Street | Pittsfield | ME | 04967 |
| ROCKLAND BRANCH | 245 Camden ST | Rockland | ME | 04841 |
| SOUTH CHINA BRANCH | 368 Route 3 | South China | ME | 04358 |
| SOUTHWEST HARBOR AGENCY BRANCH | 314 Main Street | Southwest Harbor | ME | 04679 |
| WATERVILLE MAIN STREET BRANCH | 335 Main Street | Waterville | ME | 04901 |
| WINTER HARBOR BRANCH | 385 Main Street | Winter Harbor | ME | 04693 |
| ANDOVER BRANCH | 7 Lawrence ST | Andover | NH | 03216 |
| BEDFORD BRANCH | 3 Kilton Road | Bedford | NH | 03110 |
| BRADFORD BRANCH | 115 East Main Street | Bradford | NH | 03221 |
| CLAREMONT BRANCH | 345 Washington Street | Claremont | NH | 03743 |
| CONCORD LOUDON ROAD BRANCH | 8 Loudon Road | Concord | NH | 03301 |
| ENFIELD BRANCH | 468 US Route 4 | Enfield | NH | 03748 |
| FRANCONIA BRANCH | 278 Main Street | Franconia | NH | 03580 |
| GRANTHAM BRANCH | 165 Route 10 S | Grantham | NH | 03753 |
| HANOVER BRANCH | 68 South Main Street | Hanover | NH | 03755 |
| HILLSBORO BRANCH | 15 Antrim RD | Hillsborough | NH | 03244 |
| LANCASTER BRANCH | 199 Main Street | Lancaster | NH | 03584 |
| HANOVER STREET BRANCH | 106 Hanover Street | Lebanon | NH | 03766 |
| LEBANON HEATER ROAD BRANCH | 200 Heater Road | Lebanon | NH | 03766 |
| LISBON BRANCH | 28 South Main Street | Lisbon | NH | 03585 |
| COTTAGE STREET BRANCH | 189 Cottage Street | Littleton | NH | 03561 |
| MEADOW STREET BRANCH | 618 Meadow Street | Littleton | NH | 03561 |
| MANCHESTER BRANCH | 1000 Elm Street, Suite 101 | Manchester | NH | 03101 |
| MILFORD BRANCH | 32 Elm Street | Milford | NH | 03055 |
| NASHUA BRANCH | 188 Main Street | Nashua | NH | 03060 |
| NEW LONDON MAIN STREET BRANCH | 321 Main Street | New London | NH | 03257 |
| NEW LONDON NEWPORT ROAD BRANCH | 116 Newport Road | New London | NH | 03257 |
| NEWBURY BRANCH | 976 Route 103 | Newbury | NH | 03255 |
| LAKE SUNAPEE BRANCH | 9 Main Street, Box 29 | Newport | NH | 03773 |
| PETERBOROUGH BRANCH | 2 Main Street | Peterborough | NH | 03458 |
| PIERMONT BRANCH | 27 Route 25 | Piermont | NH | 03779 |
| PLYMOUTH BRANCH | 7 Town West Road | Plymouth | NH | 03264 |
| SUNAPEE BRANCH | 565 Route 11 | Sunapee | NH | 03782 |
| WEST LEBANON BRANCH | 83 Main Street | West Lebanon | NH | 03784 |
| WALMART BRANCH | 4901 Dartmouth College Highway | Woodsville | NH | 03785 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
3
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| August 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 14, 2017 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 11, 2012 | Charter Retained (Merger or P&A) | BORDER TRUST COMPANY |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.