---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-101299"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:08:39.859566+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001104659-25-101299
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000110465925101299/0001104659-25-101299-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000110465925101299/bhb-20251021x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101299
- JSON: https://secwatch.observer/filing/0001104659-25-101299.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101299.txt

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