---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009378"
form_type: "8-K"
ticker: "BHB"
cik: "0000743367"
company_name: "BAR HARBOR BANKSHARES"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:46:34.689573+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bar Harbor Bankshares Q2 core EPS $0.70, GAAP $0.40; obtains Guaranty acquisition approval

## Summary
- GAAP net income $6.1M ($0.40 diluted EPS); core earnings $10.8M ($0.70 diluted EPS) vs Q1 core $10.5M ($0.68).
- Net interest margin expanded to 3.23% from 3.17% QoQ; commercial loans grew 4% annualized.
- Obtained all regulatory approvals to acquire Guaranty Bancorp (Woodsville Guaranty Savings Bank); close expected near end of July.
- Board declared $0.32 quarterly dividend (unchanged), payable Sept 12 to holders of record Aug 14; yield 4.27%.
- Non-interest income fell $4.8M to $4.6M due to $4.9M AFS debt impairment; non-interest expenses rose $2.7M on $1.2M acquisition costs.

## SEC filing metadata
- accession: 0001558370-25-009378
- form_type: 8-K
- ticker: BHB
- cik: 0000743367
- company_name: BAR HARBOR BANKSHARES
- filed_at: 2025-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/743367/000155837025009378/0001558370-25-009378-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/743367/000155837025009378/bhb-20250722x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009378
- JSON: https://secwatch.observer/filing/0001558370-25-009378.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009378.txt

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