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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bar Harbor Bankshares
Bar Harbor Bankshares (BHB) investor relations material
Bar Harbor Bankshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 GAAP net income was $16.1M, or $0.96 diluted EPS; core earnings were $17.5M, or $1.04 per diluted share, versus $15.2M and $0.91 GAAP, and $15.4M and $0.92 core, in Q2 2026.
Total deposits grew 9% annualized QoQ, lowering the overall cost of funds, reducing wholesale borrowing reliance and supporting profitability.
Financial highlights
Q3 net interest income rose to $40.7M from $37.0M YoY; net interest margin was 3.77%, up from 3.56% YoY and 3.61% QoQ.
Total interest and dividend income increased 4% YoY to $58.4M; interest expense declined $1.3M, including a $1.3M decline in deposit costs.
Net income increased to $16.1M from $8.9M YoY; non-interest income was $10.8M versus $10.6M, while non-interest expense declined to $31.4M from $32.7M.
Core revenue was $51.5M versus $47.5M YoY; core earnings were $17.5M versus $15.4M.
Outlook and guidance
Deposit growth and lower funding costs supported Q3 profitability; commercial and industrial lending recruits are building a pipeline and supporting wealth referrals.
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Latest events from Bar Harbor Bankshares
- Higher funding costs pressured earnings and NIM, while credit quality remained strong.BHB
Q4 2023 - Core returns remained strong as credit quality improved and commercial lending expanded.BHBInvestor presentation
- Q1 2026 profitability and deposits grew as credit metrics remained broadly contained.BHBAGM 2026 Presentation
- Q2 2026 delivered higher earnings, improved margins, and expanded footprint with strong capital metrics.BHBQ2 2026
- Net income grew to $13.5 million, with a dividend hike and new share buyback plan.BHBQ1 2026
- Board recommends approval of all proposals, emphasizing governance, risk, and pay-for-performance.BHBProxy filing
- Q4 2025 delivered robust earnings, margin expansion, and growth from the Woodsville acquisition.BHBQ4 2025
- Key votes on directors, executive pay, auditor, and share increase, with strong governance focus.BHBProxy Filing
- Annual meeting covers director elections, executive pay, auditor ratification, and share authorization.BHBProxy Filing
Next Bar Harbor Bankshares earnings date
Q4 202622 Jan, 2027
Bar Harbor Bankshares
Next Bar Harbor Bankshares earnings date
Q4 202622 Jan, 2027
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Frequently asked questions
Bar Harbor Bankshares is a holding company that operates through its primary subsidiary, Bar Harbor Bank & Trust, to offer a range of banking and financial services across New England. The company provides personal and business banking products, including deposit accounts, loans, mortgages, and credit services tailored to individuals, businesses, and municipalities. Additionally, Bar Harbor Bankshares offers wealth management and trust services, focusing on investment management, retirement planning, and estate administration to support clients' long-term financial needs. The company is headquartered in Bar Harbor, Maine, and its shares are listed on the NYSE American.