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BHB on NYSE

BAR HARBOR BANKSHARES

American state commercial bank, incorporated in Maine, listed on NYSE (BHB)1

In its 2026 annual report the company says: “The Bank is a regional community bank that thinks differently about banking. We offer a variety of financial products and services designed around our customers in order to serve their banking and financial needs.”3 It is headquartered in Bar Harbor, Maine.1

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Last updated Oct 21, 2026.

Overview

Compare with Independent Financial, Investors Bank or Stock Yards Bancorp, Inc., or pick any stock.

  • TickerBHB on NYSE1
  • IndustryState Commercial Banks1
  • HeadquartersBar Harbor, Maine1
  • Incorporated inME2
  • Business address82 Main St, Po Box 400, Bar Harbor, Me 04609-04002
  • Filer categoryAccelerated filer2

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Bar Harbor Bankshares (the “Company,” “we,” “our” or “us” or similar terms) is the parent company of Bar Harbor Bank & Trust (the "Bank”), which is the only community bank headquartered in Northern New England with branches in Maine, New Hampshire, and Vermont. The Bank is a regional community bank that thinks differently about banking. The Bank provides the technology offerings and capabilities of larger banks, accompanied by access to local decision makers who are acutely focused on their local markets. Having recently celebrated the 139th anniversary of the Bank’s founding, we remain focused on helping our customers achieve their goals as the key to the Bank’s success. With over 450 dedicated professionals and more than 60 locations, we are committed to servicing and building enduring relationships by providing a higher standard of banking. We offer a variety of financial products and…3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2022

148.3%Net margin4
3.4%Revenue growth, 20225
11.1%Return on equity6
0.16×Debt to equity7
$53.4MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2022

  • Interest19¢$12.8M
  • Income tax17¢$11.3M
  • Profit64¢$43.6M

Out of $29.4M in revenue.54

Where each dollar of operating cash went, fiscal 2022

  • Capital spending5¢$2.5M
  • Dividends paid27¢$15.3M
  • Kept or used elsewhere68¢$38.1M

Out of $55.9M of cash from operations.4

Financial statements

Revenue895$29.4M in 2022+32% since 2019
0$10.0M$20.0M$30.0M2019: $22.2M$22.2M20192020: $24.7M$24.7M2020+11%2021: $28.4M$28.4M2021+15%2022: $29.4M$29.4M2022+3%
Net income9574$43.6M in 2022+93% since 2019
0$20.0M$40.0M$60.0M2019: $22.6M$22.6M20192020: $33.2M$33.2M2020+47%2021: $39.3M$39.3M2021+18%2022: $43.6M$43.6M2022+11%

Every line of the income statement as filed: the last 3 fiscal years, latest first.6

Period ending2025-12-312024-12-312023-12-31
Loans$183.1M$163.8M$149.4M
Securities and other$23.4M$21.9M$21.6M
Federal Home Loan Bank stock$801.0K$958.0K$1.1M
Interest-earning deposits with other banks$2.2M$2.0M$2.0M
Total interest and dividend income$209.5M$188.7M$174.2M
Deposits$63.5M$61.7M$38.2M
Borrowings$11.5M$13.2M$18.3M
Total interest expense$75.0M$74.9M$56.5M
Net interest income$134.5M$113.8M$117.7M
Provision for credit losses on available-for-sale debt securities$636.0K$1.2M
Provision for credit losses on loans$4.6M$955.0K$2.9M
Net interest income after provision for credit losses$129.2M$111.7M$114.8M
Trust and investment management fee income$16.1M$15.7M$14.3M
Customer service fees$16.0M$14.8M$15.2M
(Loss) gain on available-for-sale debt securities, net-$5.3M$50.0K$34.0K
Mortgage banking income$2.0M$2.1M$1.6M
Bank-owned life insurance income$2.6M$2.3M$2.7M
Customer derivative income$2.0M$928.0K$409.0K
Other income$1.2M$973.0K$893.0K
Total non-interest income$34.5M$36.9M$35.1M
Salaries and employee benefits$60.5M$54.8M$52.5M
Occupancy and equipment$14.5M$13.8M$13.4M
Depreciation$4.3M$4.2M$4.2M
Gain (loss) on premises and equipment, net$257.0K-$192.0K$182.0K
Outside services$2.0M$1.6M$1.7M
Professional services$1.8M$1.4M$1.6M
Communication$877.0K$759.0K$697.0K
Marketing$2.0M$2.0M$1.7M
Amortization of intangible assets$1.5M$932.0K$932.0K
FDIC assessment$1.9M$1.8M$1.7M
Acquisition, conversion and other expenses$10.6M$20.0K$283.0K
Provision (credit) for unfunded commitments$796.0K-$775.0K-$85.0K
Other expenses$16.5M$15.6M$13.9M
Total non-interest expense$117.7M$96.0M$92.7M
Income before income taxes$45.9M$52.6M$57.1M
Income tax expense$9.0M$9.1M$12.3M
Net income$36.9M$43.5M$44.9M
Basic (in dollars per share)$2.32$2.86$2.96
Diluted (in dollars per share)$2.31$2.84$2.95
Basic (in shares)15.9M shares15.2M shares15.1M shares
Diluted (in shares)16.0M shares15.3M shares15.2M shares

Compare BAR HARBOR BANKSHARES with another company

Corporate structure

BAR HARBOR BANKSHARES sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of BAR HARBOR BANKSHARES

  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G/A on BAR HARBOR BANKSHARES, latest Jul 31, 2026 (2 filings since Apr 29, 2026)
  • BlackRock Filed SCHEDULE 13G/A on BAR HARBOR BANKSHARES, latest Jul 27, 2026 (5 filings since Feb 1, 2022)
  • FMR LLC Filed SCHEDULE 13G/A on BAR HARBOR BANKSHARES, latest May 6, 2026 (5 filings since Feb 9, 2022)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on BAR HARBOR BANKSHARES, latest Mar 26, 2026 (3 filings since Feb 9, 2022)
  • DIMENSIONAL FUND ADVISORS LP Filed SC 13G on BAR HARBOR BANKSHARES, latest Feb 9, 2024
  • BAR HARBOR BANKSHARES Bar Harbor, Maine

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What BAR HARBOR BANKSHARES reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$94.4M6 Dec 31, 2025$84.3M6 Dec 31, 2024+12.1%
Accumulated depreciation$36.2M6 Dec 31, 2025$33.0M6 Dec 31, 2024+9.8%
Property and equipment, net$58.2M6 Dec 31, 2025$51.2M6 Dec 31, 2024+13.6%
Operating-lease assets (leased space)$9.3M6 Dec 31, 2025$8.6M6 Dec 31, 2024+7.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$80.8M6 Dec 31, 2025$72.2M6 Dec 31, 2024+12.0%
Loans, net of allowance$3.6B6 Dec 31, 2025$3.1B6 Dec 31, 2024+14.5%
Deposits held (banks)$3.8B6 Dec 31, 2025$3.3B6 Dec 31, 2024+16.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$141.8M6 Dec 31, 2025$119.5M6 Dec 31, 2024+18.7%
Intangible assets, net (excluding goodwill)$16.4M6 Dec 31, 2025$3.9M6 Dec 31, 2024+316.6%
Finite-lived intangibles, gross$24.8M6 Dec 31, 2025$11.6M6 Dec 31, 2024+113.9%
Accumulated amortization$8.4M6 Dec 31, 2025$7.7M6 Dec 31, 2024+9.7%
Finite-lived intangibles, net$16.4M6 Dec 31, 2025$3.9M6 Dec 31, 2024+316.6%

Properties, in its own words

Our Corporate Office is located at 82 Main Street in Bar Harbor, Maine. We provide full-banking services at 22 locations in Maine, 30 locations in New Hampshire and 10 locations in Vermont. We also have one stand-alone drive-up facility located in Woodstock, Vermont. In addition to banking offices, we have Operations Centers located in Ellsworth, Maine, and Newport, New Hampshire that house members of our operations, wealth management and administrative teams. We have additional office space located in a bank-owned facility in Bangor, Maine and in leased office spaces located in Hampden and Portland, Maine and in Manchester, New Hampshire. These locations offer back office support for multiple business lines and related functions throughout the organization. Additionally, we own a Wealth Management office building located in Concord, New Hampshire. In total, we own 41 retail banking branches and lease 21 others. We also own an additional 5 administrative buildings and lease 3 others. In the opinion of management, our physical properties are considered adequate to meet the needs of customers in the communities served. At December 31, 2025 the total net book value of our land, buildings, leasehold improvements, furniture, fixtures and equipment was $58.2 million.

Item 2 of the 10-K filed Mar 13, 2026.3

Leadership

Who has led BAR HARBOR BANKSHARES, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Curtis C. Simard2013–now

President

  1. Daniel A. Hurley Iii.2006
  2. Curtis C. Simard2014–2015
  3. Joseph M. Pratt2015–2019
  4. Jason Paul Edgar2022–now

Chief financial officer

  1. Gerald Shencavitz2006–2016
  2. Josephine Iannelli2017–now

Chief operating officer

  1. Richard B. Maltz2017–2021
2010201520202025
Board members and other officers (44)

Timeline

  1. Sep 21, 20268-K Regulation FD disclosure63
  2. Sep 15, 20268-K Executive or director change64
  3. Jul 27, 20268-K Regulation FD disclosure65
  4. Jul 21, 20268-K Results of operations; Regulation FD disclosure66
  5. May 7, 20268-K Shareholder vote67
  6. May 6, 20268-K Regulation FD disclosure68
  7. Apr 21, 20268-K Results of operations; Regulation FD disclosure69
  8. Jan 22, 20268-K Results of operations; Regulation FD disclosure70
  9. Nov 10, 20258-K Regulation FD disclosure71
  10. Oct 21, 20258-K Results of operations; Regulation FD disclosure72
  11. Aug 4, 20258-K Completed an acquisition or sale; Executive or director change; Other events73
  12. Jul 28, 20258-K Regulation FD disclosure74
  13. Jun 19, 2013New chief executive Curtis C. Simard becomes CEO12

Calendar

When it reported results

  1. Jul 21, 2026Reported quarterly or annual results66
  2. Apr 21, 2026Reported quarterly or annual results69
  3. Jan 22, 2026Reported quarterly or annual results70
  4. Oct 21, 2025Reported quarterly or annual results72
  5. Jul 22, 2025Reported quarterly or annual results75
  6. May 14, 2025Reported quarterly or annual results76
  7. Apr 17, 2025Reported quarterly or annual results77
  8. Jan 23, 2025Reported quarterly or annual results78

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

379 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 51 major events, 238 insider forms, 16 large holders, 54 other. The latest 20:

  1. Sep 22, 20264 EDGAR
  2. Sep 22, 20264 EDGAR
  3. Sep 22, 20264 EDGAR
  4. Sep 22, 20264 EDGAR
  5. Sep 22, 20264 EDGAR
  6. Sep 22, 20264 EDGAR
  7. Sep 22, 20264 EDGAR
  8. Sep 21, 20268-K EDGAR
  9. Sep 15, 20268-K EDGAR
  10. Aug 18, 2026N-PX EDGAR
  11. Aug 5, 202610-Q EDGAR
  12. Jul 31, 2026SCHEDULE 13G/A EDGAR
  13. Jul 27, 2026SCHEDULE 13G/A EDGAR
  14. Jul 27, 20268-K EDGAR
  15. Jul 21, 20268-K EDGAR
  16. Jul 15, 202613F-NT EDGAR
  17. Jun 25, 202611-K EDGAR
  18. Jun 23, 20264 EDGAR
  19. Jun 23, 20264 EDGAR
  20. Jun 23, 20264 EDGAR

The 379 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

56 open-market trades by officers, directors and large owners since October 2021: 56 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Apr 28, 2026Caras Matthew LDirectorBuy760$34.68$26.4KForm 4
Mar 2, 2026Colter David MDirectorBuy500$32.54$16.3KForm 4
Oct 30, 2025Caras Matthew LDirectorBuy580$29.12$16.9KForm 4
Sep 10, 2025Shaw Brian DDirectorBuy10,000$32.09$320.9KForm 4
Jun 14, 2024Colter David MDirectorBuy17$25.55$437Form 4
Jun 14, 2024Smith Kenneth EugeneDirectorBuy309$25.26$7.8KForm 4
Jun 14, 2024Caras Matthew LDirectorBuy119$25.21$3.0KForm 4
Jun 14, 2024Simard Curtis CPRESIDENT/CEOBuy973$25.21$24.5KForm 4
May 30, 2024TOOTHAKER SCOTT GDirectorBuy4,476$25.82$115.6KForm 4
Mar 19, 2024Caras Matthew LDirectorBuy112$24.80$2.8KForm 4
Mar 19, 2024Simard Curtis CPRESIDENT/CEOBuy759$24.80$18.8KForm 4
Mar 19, 2024WOODSIDE DAVID BDirectorBuy184$24.80$4.6KForm 4
Mar 19, 2024WOODSIDE DAVID BDirectorBuy184$24.80$4.6KForm 4
Mar 19, 2024Smith Kenneth EugeneDirectorBuy208$24.80$5.2KForm 4
Mar 18, 2024WOODSIDE DAVID BDirectorBuy20$24.31$495Form 4
Mar 18, 2024WOODSIDE DAVID BDirectorBuy20$24.31$495Form 4
Mar 18, 2024Smith Kenneth EugeneDirectorBuy22$24.31$545Form 4
Mar 15, 2024Smith Kenneth EugeneDirectorBuy65$24.59$1.6KForm 4
Mar 15, 2024Colter David MDirectorBuy16$25.02$409Form 4
Dec 18, 2023WOODSIDE DAVID BDirectorBuy17$29.57$496Form 4

All 56 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Curtis C. Simard$1.9M84
2025Josephine Iannelli$1.0M84
2025John M. Mercier$749.4K84
2025Marion Colombo$711.2K84
2025Jason Edgar$694.7K84
2024President & CEO$1.9M84
2024EVPCFO and Treasurer$984.6K84
2024PresidentWealth$658.7K84
2023President & CEO$1.8M84
2023EVPCFO and Treasurer$954.5K84
2023PresidentWealth$644.2K84

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,617,904$61.1M0.0%+224,639
Dimensional Fund Advisors LP933,893$35.3M0.0%+41,772
Vanguard Capital Management LLC720,974$27.2M0.0%−14,935
State Street Corp568,249$21.5M0.0%+198,369
Geode Capital Management, LLC436,776$16.5M0.0%+22,506
Boston Partners434,515$16.4M0.0%+12,732
Bar Harbor Wealth Management385,171$14.5M0.8%−15,760
Manufacturers Life Insurance Company, The372,372$14.1M0.0%−2,267
Two Sigma Investments, LP262,996$9.9M0.0%+10,482
American Century Companies Inc246,316$9.3M0.0%−1,960
Goldman Sachs Group Inc240,977$9.1M0.0%+134,852
Renaissance Technologies LLC184,484$7.0M0.0%+200
ProShare Advisors LLC184,262$7.0M0.0%New
Nuveen, LLC161,654$6.1M0.0%+45,921
Morgan Stanley153,319$5.8M0.0%+5,843
North Star Investment Management Corp.145,580$5.5M0.3%No change
Northern Trust Corp144,446$5.5M0.0%−12,584
Aqr Capital Management LLC137,307$5.2M0.0%+110,316
Citadel Advisors LLC136,522$5.2M0.0%+31,816
Vanguard Portfolio Management LLC136,084$5.1M0.0%+15,977
RBF Capital, LLC133,270$5.0M0.2%No change
Private Capital Management, LLC133,185$5.0M0.5%+11,965
Bridgeway Capital Management, LLC123,278$4.7M0.1%+5,202
Vanguard Fiduciary Trust Co110,436$4.2M0.0%−251
UBS Group AG88,104$3.3M0.0%+11,461

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How BAR HARBOR BANKSHARES is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARBAR HARBOR BANKSHARES1
  • CIK0000743367
  • Employer ID (EIN)01-03936633
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inMaine3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address82 Main St, Po Box 400, Bar Harbor, ME 04609-04001
  • Phone20766967841
  • Shares outstanding16,766,080 as of Aug 3, 202611
  • Public float$447.7M as of Jun 30, 20253
  • AuditorCrowe LLP, Boston, Massachusetts PCAOB ID 173; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceMay 15, 19951
  • Filings2,096 in all: 4 (923), 8-K (353), 5 (272), 10-Q (94), 13F-NT (89), 4/A (47), 3 (39), DEF 14A (36)1
    All 46 form types

    10-K (27), SC 13G/A (25), 11-K (24), SC 13G (23), UPLOAD (18), 5/A (14), CORRESP (13), 8-K/A (11), 10-Q/A (10), S-8 (6), SCHEDULE 13G/A (6), 3/A (5), EFFECT (5), PRE 14A (5), 10-K/A (4), 10-K405 (4), 424B3 (4), ARS (4), DEFA14A (4), 425 (3), N-PX (3), NT 11-K (3), S-4 (3), S-4/A (3), S-3 (2), SC 13D (2), 13F-NT/A (1), 424B5 (1), 8-A12B (1), D (1), DEFR14A (1), DEFS14A (1), DEL AM (1), FWP (1), PRER14A (1), RW (1), SC 13D/A (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Mar 19, 2026
    Latest 8-K (8-K) Sep 21, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $2.00 per shareBHBNYSE American

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks BAR HARBOR BANKSHARES names in Item 1A of its 10-K filed Mar 13, 2026: 55 risks under these headings, as written.3

  • Liquidity and Interest Rate Risks
  • Interest rate volatility could significantly reduce our profitability.
  • We are required to maintain sufficient capital and adequate liquidity.
  • The Company’s earnings may not grow if we are unable to successfully attract core deposits and lending opportunities and execute opportunities to generate fee-based income.
  • Wholesale funding sources may prove insufficient to replace deposits and support operations and future growth.
  • Loss of deposits or a change in deposit mix could increase our cost of funding.
  • If we are unable to access the capital markets, have prolonged net deposit outflows, or our borrowing costs increase, our liquidity and competitive position will be negatively affected.
  • Our access to funds from subsidiaries may be restricted.
  • Prepayments of loans may negatively impact our business as customers may prepay the principal amount of their outstanding loans at any time.
  • Secondary mortgage market conditions may adversely affect our financial condition and earnings.
  • The performance of our investment securities portfolio is subject to fluctuation due to changes in interest rates and market conditions, including credit deterioration of the issuers of individual securities.
  • Impairment of investment securities or goodwill could result in a negative impact on our results of operations.
The other 44 risks
  • Potential downgrades of U.S. government securities by one or more of the credit ratings agencies could have a material adverse effect on our operations, earnings and financial condition.
  • Revenues from our wealth management business are significant to earnings.
  • Our wealth management business may be negatively affected by changes in economic and market conditions.
  • Credit Risks
  • Deterioration in local economies or real estate markets may adversely affect our financial performance, as our borrowers’ ability to repay loans and the value of the collateral securing the loans may decline.
  • High concentrations of commercial loans may increase exposure to credit loss upon borrower default.
  • Greater than anticipated credit losses in the loan portfolios may adversely affect our earnings.
  • A portion of our loan portfolio consists of loan participations, which may have a higher risk of loss than loans we originate because we are not the lead lender and we have limited control over credit monitoring.
  • We are exposed to risk of environmental liabilities with respect to properties to which we take title.
  • Operational Risks
  • We are subject to a variety of operational risks, including reputational risk, and the risk of fraud or theft by employees or outsiders, which may adversely affect our business and results of operations.
  • We may continue to incur substantial costs related to our acquisition of Guaranty Bancorp and the integration of Woodsville, and these costs may be greater than anticipated due to unexpected events.
  • We may fail to realize the anticipated benefits of acquiring Guaranty Bancorp.
  • Disruptions to our information systems and security breaches may adversely affect our business and reputation.
  • Our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
  • We have a continuing need for technological change, and we may not have the resources to implement new technology effectively, or we may experience operational challenges when implementing new technology or technology needed to compete effectively with larger institutions may not be available to us on a cost-effective basis.
  • Our operations are reliant on outside vendors.
  • We may incur significant losses as a result of ineffective risk management processes and strategies.
  • Our internal controls, procedures and policies may fail or be circumvented.
  • We may be adversely affected by the soundness of other financial institutions.
  • Changes in the federal, state or local tax laws may negatively impact our financial performance and we are subject to examinations and challenges by tax authorities.
  • Strategic and External Risks
  • Changes and instability in economic conditions, geopolitical matters and financial markets, including a contraction of economic activity, could adversely impact our business, results of operations and financial condition.
  • Monetary policy and economic environment could impact our financial performance.
  • Inflation can have an adverse impact on our business and on our customers.
  • Increased market volatility and adverse changes in financial or capital market conditions may increase our market risk.
  • Involvement in wealth management creates risks associated with the industry.
  • Strong competition within our markets may significantly impact profitability.
  • Market changes may adversely affect demand for our services and impact revenue, costs, and earnings.
  • Expansion, growth, and acquisitions could negatively impact earnings if not successful.
  • Future pandemics, severe weather, natural disasters, acts of war or terrorism, and other external events could significantly impact our business and the business of our customers.
  • Changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely affect our business, financial condition and results of operations.
  • Legal, Regulatory and Compliance Risks
  • We are subject to extensive government regulation and supervision, which may interfere with the ability to conduct business and may negatively impact our financial results.
  • We face significant legal risks, both from regulatory investigations and proceedings and from private actions brought against us.
  • We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • We may become subject to enforcement actions even though noncompliance was inadvertent or unintentional.
  • The Federal Reserve Board may require us to commit capital resources to support the Bank.
  • We are subject to stringent capital requirements which may adversely impact return on equity, require additional capital raises, or limit the ability to pay dividends or repurchase shares.
  • Fee revenues from overdraft protection programs constitute a significant portion of our noninterest income and may be subject to increased supervisory scrutiny.
  • General Risk Factors
  • Changes in accounting policies or in accounting standards could materially affect our results of operations, and financial condition.
  • Our financial statements are based in part on assumptions and estimates, which, if wrong, could cause unexpected losses in the future.
  • Internal controls may become ineffective in preventing or detecting material errors.
  • We may be unable to attract and retain key personnel.
  • Future capital offerings may adversely affect the market price of our common stock.
  • The market price and trading volume of our common stock may be volatile.
  • Attractive acquisition opportunities may not be available to us in the future, which could limit the growth of our business.
  • Anti-takeover provisions could negatively impact our stockholders.

Legal proceedings

We are from time to time subject to claims and litigation arising in the ordinary course of business. These claims and litigation may include, among other things, allegations of violation of banking and other applicable regulations, competition laws, labor laws and consumer protection laws, as well as claims or litigation relating to intellectual property, securities, breach of contract and tort. We intend to defend ourselves vigorously against any pending or future claims and litigation.

At this time, in the opinion of management, the likelihood is remote that the impact of such proceedings, either individually or in the aggregate, would have a material adverse effect on our consolidated results of operations, financial condition or cash flows. However, one or more unfavorable outcomes in any claim or litigation against us could have a material adverse effect for the period in which they are resolved. In addition, regardless of their merits or their ultimate outcomes, such matters are costly, divert management’s attention and may materially adversely affect our reputation, even if resolved in our favor.

The opening of Item 3, Legal Proceedings.3

Sources

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