---
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"
generated_at: "2026-06-06T20:19:57.815027+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q4 net income falls to $9.9M from $12.5M; NIM shrinks to 3.17%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-000436
- JSON: https://secwatch.observer/filing/0001558370-24-000436.json
- Plain text: https://secwatch.observer/filing/0001558370-24-000436.txt

## Key facts
- Earnings Releases
  BAR HARBOR BANKSHARES reported financial results for the quarter ended December 31, 2023.
  - Period: the quarter ended December 31, 2023
  - Result: reported results
  source text: On January 23, 2024, we issued a press release reporting our financial results for the quarter ended December 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/743367/000155837024000436/0001558370-24-000436-index.htm

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