Bar Harbor Bankshares Q3 GAAP EPS $0.54, core $0.95; NIM 3.56%, Woodsville acquisition closed

BAR HARBOR BANKSHARES

2025-Q3 EPS reported $1.60

GAAP net income $8.9M ($0.54 diluted EPS); core earnings $15.4M ($0.95 diluted EPS), vs Q2 GAAP $6.1M ($0.40).
Net interest margin expanded to 3.56% from 3.23% Q2; efficiency ratio improved to 56.70% from 62.10%.
Completed Guaranty Bancorp acquisition Aug 1, adding $658M assets, $413M loans, $531M deposits; goodwill $22.3M.
Board declared $0.32 per share dividend payable Dec 19, record Nov 20; annualized yield 4.20%.
Asset quality strong: non-accruing loans to total loans 0.27% (down from 0.31% Q2); ACL coverage 0.95%.

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