Bar Harbor Bank & Trust: SBA Lending Record
What SBA's own loan files show about Bar Harbor Bank & Trust as an SBA lender, and how a lender's record bears on a feasibility study.
SBA's record for Bar Harbor Bank & Trust
258 approved loans sit against Bar Harbor Bank & Trust in FY2017 to FY2026 files, $35.9 million gross. Bar Harbor Bank & Trust is recorded by SBA in Maine. The 258 loans count as holdings: Bar Harbor Bank & Trust is current or last holder, per SBA. 258 loans fall under SBA 7(a). Bar Harbor Bank & Trust has 0 under SBA 504. Bar Harbor Bank & Trust's FY2026 is a complete fiscal year. Bar Harbor Bank & Trust's record spans 258 loans and $35.9 million gross. Behind the 258 loans stands SBA's guarantee, not Bar Harbor Bank & Trust's, so read holdings and not policy.
193 of the 258 loans for Bar Harbor Bank & Trust sit in no named class. Classes at Bar Harbor Bank & Trust: Full-service restaurant, 11; Automotive mechanical repair (car and truck), 9; Nonresidential lessor (flex, office and retail investor buildings) at 8; Limited-service restaurant at 8; Rehabilitation and therapy clinic at 5; Beauty salon at 5. Of 258 loans, 193 are unclassed and 11 are Full-service restaurant. Bar Harbor Bank & Trust's class lines cover part of 258. 9 Automotive mechanical repair (car and truck) loans trail 11 Full-service restaurant at Bar Harbor Bank & Trust.
Bar Harbor Bank & Trust by state
No state table is printed for Bar Harbor Bank & Trust, so the page cannot say where its 258 loans sit beyond Maine. At Bar Harbor Bank & Trust, a site in any state rests on its own evidence. Local evidence comes from the study, not from 258 loans.
Bar Harbor Bank & Trust outcome floors
7.6% at minimum: that share of Bar Harbor Bank & Trust's FY2017 to FY2024 approvals was cancelled. In the Bar Harbor Bank & Trust book, no ceiling appears. The ceiling counts undisbursed loans as cancelled ones. Loan Analytics' own policy leaves it unprinted for groups this small. The blank is not zero; nothing replaces it. The floor, 0.00%, comes from 137 loans disbursed in FY2017 to FY2021. 0.00% at the five-year mark. At 0.00%, SBA shows no charge-off to date in 137 loans. Bar Harbor Bank & Trust's 7.6% floor means approval is not funding. 0.00% charged off among 137 loans: coverage must hold. For Bar Harbor Bank & Trust, test one is site demand. At Bar Harbor Bank & Trust, test two is full project cost. For Bar Harbor Bank & Trust, test three is debt service coverage. For Bar Harbor Bank & Trust, test four is the appraisal.
Bar Harbor Bank & Trust's record shows a lender 258 loans and $35.9 million gross. Bar Harbor Bank & Trust's book gives a borrower 258 holdings, not terms. The 258 loans cannot show how Bar Harbor Bank & Trust would treat a request. 11 Full-service restaurant loans are the largest named line. Bar Harbor Bank & Trust's file ends at holdings. For Bar Harbor Bank & Trust, bring a self-standing study. 258 loans held by Bar Harbor Bank & Trust are all the file contains.
SBA loans held by Bar Harbor Bank & Trust
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 258 |
|---|---|
| Gross dollars approved | $35.9 million |
| SBA 7(a) loans | 258 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 0.00% |
| Charged off within five years of approval | 0.00% |
| Loans in that cohort | 137 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 193 |
| Full-service restaurant | 11 |
| Automotive mechanical repair (car and truck) | 9 |
| Nonresidential lessor (flex, office and retail investor buildings) | 8 |
| Limited-service restaurant | 8 |
| Rehabilitation and therapy clinic | 5 |
| Beauty salon | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
The state breakdown is withheld, so that no group of fewer than 5 loans can be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-11971.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Bar Harbor Bank & Trust or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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