Bar Harbor Bankshares Q4 2025 GAAP EPS $0.70; core EPS $0.93; NIM expands to 3.62%

BAR HARBOR BANKSHARES

2025-FY EPS reported $2.31

GAAP net income $11.8M ($0.70 diluted EPS) vs Q3 GAAP $8.9M ($0.54); core earnings $15.5M ($0.93) vs $15.4M ($0.95) in Q3.
Net interest margin rose to 3.62% from 3.56% QoQ and 3.17% YoY; commercial loans grew 8% annualized in Q4.
Wealth management AUM reached $3.5B; trust management fees up $275K YoY; customer service fees up $924K from Woodsville acquisition.
Quarterly cash dividend of $0.32 per share declared; payable March 20, 2026 to holders of record Feb 20, 2026 (4.12% yield).
Total loans grew $22.1M to $3.6B; total deposits decreased $0.1B to $3.8B due to seasonality and $86M brokered deposit maturities.

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