---
schema_version: "secwatch.filing_event.v1"
accession: "0000743367-21-000023"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2021-10-21T23:59:59+00:00"
generated_at: "2026-06-28T19:23:43.196155+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q3 net income $11M ($0.73 EPS); declares $0.24 dividend

## Summary
- Net income $11.0M ($0.73 diluted EPS) vs $8.4M ($0.56) in Q3 2020; core EPS $0.73.
- Net interest margin expanded to 3.02% from 2.90%; cost of funds fell to 0.50%.
- Commercial loan growth ex-PPP was 10% annualized; core deposits grew 32% annualized.
- Balance sheet deleveraged: prepaid $89M FHLB advances, sold $44M securities.
- Board declared $0.24/share quarterly dividend, payable Dec 17, 2021 (record Nov 17).

## SEC filing metadata
- accession: 0000743367-21-000023
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2021-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000074336721000023/0000743367-21-000023-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000074336721000023/bhb-20211021x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000743367-21-000023
- JSON: https://secwatch.observer/filing/0000743367-21-000023.json
- Plain text: https://secwatch.observer/filing/0000743367-21-000023.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.