{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-000436","form_type":"8-K","ticker":"BHB","cik":"0000743367","company_name":"BAR HARBOR BANKSHARES","filed_at":"2024-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.851334+00:00","generated_at":"2026-06-06T20:19:57.815027+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Bar Harbor Bankshares Q4 net income falls to $9.9M from $12.5M; NIM shrinks to 3.17%","bullets":["GAAP diluted EPS $0.65 vs $0.83 in Q4 2022; core EPS $0.68.","Net interest margin 3.17% (down from 3.76%) driven by higher funding costs; deposit beta 31%.","Credit stable: NPL ratio 0.18%, net charge-offs 7 bps; provision $687K flat.","Quarter-end book value $28.48, tangible book $20.28; dividend reaffirmed at $0.28/share.","Wealth AUM $2.5B (+$143M YoY); mortgage banking income $515K vs $153K."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-000436","json":"https://secwatch.observer/filing/0001558370-24-000436.json","markdown":"https://secwatch.observer/filing/0001558370-24-000436.md","text":"https://secwatch.observer/filing/0001558370-24-000436.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/743367/000155837024000436/0001558370-24-000436-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/743367/000155837024000436/bhb-20240123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:19:57.815027+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"f37c48027cf8150b13cdc0512cd1d02e9fe6d088","claim":"BAR HARBOR BANKSHARES reported financial results for the quarter ended December 31, 2023.","evidence_excerpt":"On January 23, 2024, we issued a press release reporting our financial results for the quarter ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/743367/000155837024000436/0001558370-24-000436-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}