Bar Harbor Bankshares (BHB) risk factors
Item 1A of every Bar Harbor Bankshares 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors56 risks10 new6 reworded
The bank added specific risks regarding loan participations totaling $790 million, integration of Guaranty Bancorp and Woodsville, and trade tariffs affecting borrowers.
Filed Mar 13, 2026 - FY2024 10-K risk factors46 risks
Bar Harbor Bankshares relies primarily on net interest income, with 67% of its loan portfolio concentrated in commercial real estate, commercial and industrial, and construction loans across Maine, New Hampshire, and Vermont. The company faces significant risk from interest rate volatility, maintaining regulatory capital and liquidity requirements, and managing cyber security and operational disruptions. Overdraft protection fees represent a key component of noninterest income and face heightened regulatory scrutiny.
Filed Mar 11, 2025