---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-005791"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:08:51.566562+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-26-005791
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2026-01-22T23:59:59+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/743367/000110465926005791/0001104659-26-005791-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000110465926005791/bhb-20260122x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-005791
- JSON: https://secwatch.observer/filing/0001104659-26-005791.json
- Plain text: https://secwatch.observer/filing/0001104659-26-005791.txt

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