---
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"
generated_at: "2026-10-22T20:16:27.388328+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q3 2026 net income $16.1M, EPS $0.96; core EPS $1.04, NIM 3.77%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-118161
- JSON: https://secwatch.observer/filing/0001104659-26-118161.json
- Plain text: https://secwatch.observer/filing/0001104659-26-118161.txt

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