---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-016494"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2023-10-17T23:59:59+00:00"
generated_at: "2026-06-09T22:58:31.663948+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q3 net income $11.1M ($0.73/share); declares $0.28 dividend

## Summary
- Net income $11.1M ($0.73 diluted EPS) vs $11.4M ($0.76) in Q3 2022.
- Net interest margin 3.18%, down 29 bps YoY; loan yield expanded to 5.11% from 4.04%.
- Allowance for credit losses rose to 0.94% of loans (from 0.91%); NPAs remain low at 0.17%.
- Dividend $0.28/share, payable Dec 15, record Nov 16; 4.74% annualized yield at $23.63 close.
- Loans flat at $3.0B, deposits flat at $3.1B; loan-to-deposit ratio improved to 95% from 97%.

## SEC filing metadata
- accession: 0001558370-23-016494
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2023-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000155837023016494/0001558370-23-016494-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000155837023016494/bhb-20231017x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-016494
- JSON: https://secwatch.observer/filing/0001558370-23-016494.json
- Plain text: https://secwatch.observer/filing/0001558370-23-016494.txt

## Key facts
- Earnings Releases
  BAR HARBOR BANKSHARES reported third quarter 2023 results: net income $11.1 million, EPS $0.73 per diluted share.
  - Period: third quarter 2023
  - Net income: $11.1 million
  - EPS: $0.73 per diluted share
  - Result: reported results
  source text: reported third quarter 2023 net income of $11.1 million or $0.73 per diluted share compared to $11.4 million or $0.76 per diluted share in the same quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/743367/000155837023016494/0001558370-23-016494-index.htm

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