---
schema_version: "secwatch.filing_event.v1"
accession: "0000743367-22-000005"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2022-01-20T23:59:59+00:00"
generated_at: "2026-06-27T17:00:45.877661+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor reports Q4 net income $9.8M ($0.65 EPS), declares $0.24 dividend

## Summary
- Q4 net income $9.8M ($0.65 diluted EPS) vs $8.6M ($0.58) YoY; core EPS $0.68 vs $0.62.
- Dividend declared $0.24/share, payable Mar 17, 2022 to holders of record Feb 17, 2022; 3.32% annualized yield.
- Net interest margin 2.79% vs 3.02% YoY; normalized NIM expanded to 2.99% from 2.94%.
- Prepaid $70M FHLB borrowings, sold $19M securities; net effect expected to add $0.02 core EPS in Q1 2022.
- Core deposits grew 13% annualized; commercial loans ex-PPP up $49.2M; non-performing loans down to $10.2M.

## SEC filing metadata
- accession: 0000743367-22-000005
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2022-01-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000074336722000005/0000743367-22-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000074336722000005/bhb-20220120x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000743367-22-000005
- JSON: https://secwatch.observer/filing/0000743367-22-000005.json
- Plain text: https://secwatch.observer/filing/0000743367-22-000005.txt

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