{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-118161","form_type":"8-K","ticker":"BHB","cik":"0000743367","company_name":"BAR HARBOR BANKSHARES","filed_at":"2026-10-22T20:15:11+00:00","discovered_at":"2026-10-22T20:16:00.127402+00:00","generated_at":"2026-10-22T20:16:27.388328+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Bar Harbor Bankshares Q3 2026 net income $16.1M, EPS $0.96; core EPS $1.04, NIM 3.77%","bullets":["GAAP net income $16.1M, or $0.96 diluted EPS; core earnings $17.5M, or $1.04 per diluted share, vs Q2 2026 GAAP $15.2M/$0.91 and core $15.4M/$0.92.","Net interest margin 3.77% vs 3.61% in Q2 2026 and 3.56% a year earlier; ROA 1.35%, core ROA 1.47%, efficiency ratio 55.26%.","Board declared quarterly cash dividend of $0.34/share, record Nov. 19, 2026, payable Dec. 18, 2026; equals 3.52% yield based on $38.69 Sept. 30 close.","Total deposits rose $84.0M to $3.9B, up 9% annualized; borrowings fell $123.7M to $157.4M, including $20.0M subordinated debt redemption.","Provision for credit losses was a $167K recapture vs a $3.7M provision a year earlier; AFS unrealized losses widened to $72.9M from $45.0M at Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-118161","json":"https://secwatch.observer/filing/0001104659-26-118161.json","markdown":"https://secwatch.observer/filing/0001104659-26-118161.md","text":"https://secwatch.observer/filing/0001104659-26-118161.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/743367/000110465926118161/0001104659-26-118161-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/743367/000110465926118161/bhb-20261022x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:16:27.388328+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}