---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-000363"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2023-01-19T23:59:59+00:00"
generated_at: "2026-06-20T13:34:10.449462+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q4 net income $12.5M ($0.83 EPS), up 28% YoY; declares $0.26 dividend

## Summary
- Q4 2022 net income $12.5M ($0.83 diluted EPS) vs $9.8M ($0.65) in Q4 2021, a 28% increase.
- Net interest margin expanded 97 bps to 3.76% from 2.79%; commercial loans grew 11% annualized.
- Non-performing assets ratio improved to 0.17% from 0.27%; net recovery of $155k on charged-off loans.
- Board declared $0.26 per share cash dividend, record Feb 16, payable Mar 16, 2023; 3.25% yield.

## SEC filing metadata
- accession: 0001558370-23-000363
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2023-01-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000155837023000363/0001558370-23-000363-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000155837023000363/bhb-20230119x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-000363
- JSON: https://secwatch.observer/filing/0001558370-23-000363.json
- Plain text: https://secwatch.observer/filing/0001558370-23-000363.txt

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