---
schema_version: "secwatch.filing_event.v1"
accession: "0000743367-22-000022"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2022-10-19T23:59:59+00:00"
generated_at: "2026-06-23T02:48:00.088129+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q3 net income $11.4M ($0.76 EPS) vs $11.0M ($0.73 EPS) year ago

## Summary
- Net income $11.4M, diluted EPS $0.76; up from $11.0M, $0.73 EPS in Q3 2021.
- Net interest margin expanded to 3.47% from 3.02% in Q3 2021.
- Annualized loan growth 18%; commercial loans increased $106.4M from Q2 2022.
- Declared quarterly dividend $0.26/share, payable Dec 16, 2022 to holders of record Nov 16, 2022.
- Core deposits grew 12% annualized; efficiency ratio improved to 58% from 59%.

## SEC filing metadata
- accession: 0000743367-22-000022
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2022-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000074336722000022/0000743367-22-000022-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000074336722000022/bhb-20221019x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000743367-22-000022
- JSON: https://secwatch.observer/filing/0000743367-22-000022.json
- Plain text: https://secwatch.observer/filing/0000743367-22-000022.txt

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