---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-010883"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T10:34:18.790490+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Q2 EPS $0.70, up 17% YoY; NIM 3.19%, loan growth 11% annualized

## Summary
- Net income $10.5M ($0.70 diluted) vs $9.0M ($0.60) in Q2 2021; core EPS $0.70.
- Net interest margin 3.19% vs 2.74% YoY; efficiency ratio improved to 59.25% from 63.45%.
- Annualized loan growth 11%, core deposit growth 9%; NPA ratio fell to 0.21% from 0.37%.
- Dividend of $0.26/share declared, payable Sep 16 to holders of record Aug 16, ~4% yield.
- Board authorized stock repurchase up to 5% of shares (~751k); no repurchases in Q2.

## SEC filing metadata
- accession: 0001558370-22-010883
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000155837022010883/0001558370-22-010883-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000155837022010883/bhb-20220721x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-010883
- JSON: https://secwatch.observer/filing/0001558370-22-010883.json
- Plain text: https://secwatch.observer/filing/0001558370-22-010883.txt

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