Bar Harbor Bankshares Inc - Asset Resilience Ratio

Latest as of December 2025: 12.75%

Bar Harbor Bankshares Inc (BHB) has an Asset Resilience Ratio of 12.75% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read BHB liabilities breakdown for a breakdown of total debt and financial obligations.

Liquid Assets

$597.42 Million

Cash + Short-term Investments

Total Assets

$4.68 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2004–2025)

This chart shows how Bar Harbor Bankshares Inc's Asset Resilience Ratio has changed over time. See Bar Harbor Bankshares Inc (BHB) net assets for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down Bar Harbor Bankshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Bar Harbor Bankshares Inc (BHB) market capitalisation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$597.42 Million	12.75%
Total Liquid Assets	$597.42 Million	12.75%

Asset Resilience Insights

Moderate Liquidity: Bar Harbor Bankshares Inc has 12.75% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

Bar Harbor Bankshares Inc Industry Peers by Asset Resilience Ratio

Compare Bar Harbor Bankshares Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Banco de Chile SN:CHILE	Banks - Regional	5.79%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Bank Bukopin Tbk JK:BBKP	Banks - Regional	0.03%
Laan & Spar Bank AS CO:LASP	Banks - Regional	0.74%
LINKBANCORP Inc NASDAQ:LNKB	Banks - Regional	8.55%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
RMB Holdings Ltd JSE:RMH	Banks - Regional	20.83%
Banco Bradesco DRC BA:BBD	Banks - Regional	4.82%

Annual Asset Resilience Ratio for Bar Harbor Bankshares Inc (2004–2025)

The table below shows the annual Asset Resilience Ratio data for Bar Harbor Bankshares Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	12.75%	$597.42 Million	$4.68 Billion	+0.01pp
2024-12-31	12.75%	$520.45 Million	$4.08 Billion	-0.72pp
2023-12-31	13.46%	$534.57 Million	$3.97 Billion	-0.85pp
2022-12-31	14.31%	$559.52 Million	$3.91 Billion	-2.36pp
2021-12-31	16.67%	$618.28 Million	$3.71 Billion	+0.97pp
2020-12-31	15.70%	$585.05 Million	$3.73 Billion	-2.37pp
2019-12-31	18.08%	$663.23 Million	$3.67 Billion	-2.04pp
2018-12-31	20.11%	$725.84 Million	$3.61 Billion	0.00pp
2017-12-31	20.12%	$717.24 Million	$3.57 Billion	-10.01pp
2016-12-31	30.13%	$528.86 Million	$1.76 Billion	-1.83pp
2015-12-31	31.96%	$504.97 Million	$1.58 Billion	-0.28pp
2014-12-31	32.24%	$470.52 Million	$1.46 Billion	-0.52pp
2013-12-31	32.77%	$450.17 Million	$1.37 Billion	+0.68pp
2012-12-31	32.08%	$418.04 Million	$1.30 Billion	-0.62pp
2011-12-31	32.71%	$381.88 Million	$1.17 Billion	+0.69pp
2010-12-31	32.01%	$357.88 Million	$1.12 Billion	-0.35pp
2009-12-31	32.36%	$347.03 Million	$1.07 Billion	+2.48pp
2008-12-31	29.88%	$290.50 Million	$972.29 Million	+0.13pp
2007-12-31	29.75%	$264.62 Million	$889.47 Million	+3.90pp
2006-12-31	25.85%	$213.25 Million	$824.88 Million	+1.35pp
2005-12-31	24.51%	$183.30 Million	$747.95 Million	-1.94pp
2004-12-31	26.44%	$176.34 Million	$666.81 Million	--

pp = percentage points

About Bar Harbor Bankshares Inc

NYSE MKT:BHB USA Banks - Regional

Market Cap

$578.72 Million

Market Cap Rank

#12340 Global

#2893 in USA

Share Price

$34.65

Change (1 day)

+1.17%

52-Week Range

$28.29 - $35.63

All Time High

$37.91