secwatch.observer — SEC 8-K summary
======================================

Issuer:     BAR HARBOR BANKSHARES (BHB)
CIK:        0000743367
Form:       8-K
Filed at:   2026-10-22T20:15:11+00:00
Accession:  0001104659-26-118161
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/743367/000110465926118161/0001104659-26-118161-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/743367/000110465926118161/bhb-20261022x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-118161

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer