Bar Harbor Bank & Trust vs Gardiner
Comparing a Bank in Bar Harbor, ME with a Credit Union in Gardiner, ME using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bar Harbor Bank & Trust ↗ Bank · Bar Harbor, ME · Est. 1887 | Gardiner ↗ Credit Union · Gardiner, ME · Est. 1953 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Bar Harbor, ME | Gardiner, ME |
| Total assets | $4.7B | $98.6M |
| Capital ratio | 12.5% | 15.8% |
| Return on assets | 1.3% | 1.8% |
| Deposits | $3.9B | — |
| Branches | 62 | 5,489 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 22 | #2 of 48 |
| Established | 1887 | 1953 |
Bar Harbor Bank & Trust
- Assets: $4.7B
- Deposits: $3.9B
- Capital ratio: 12.5%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 22
Gardiner
- Assets: $98.6M
- Members: 5,489
- Capital ratio: 15.8%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #2 of 48
Are both institutions federally insured?
Yes. Bar Harbor Bank & Trust is FDIC-insured and Gardiner is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bar Harbor Bank & Trust or Gardiner?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bar Harbor Bank & Trust scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bar Harbor Bank & Trust safe?
Yes — Bar Harbor Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Gardiner safe?
Yes — Gardiner is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bar Harbor Bank & Trust vs Gardiner?
Bar Harbor Bank & Trust has a capital ratio of 12.5%, placing it in the top 19% of $1B–10B peers. Gardiner's ratio is 15.8%, placing it in the top 40% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bar Harbor Bank & Trust have compared to Gardiner?
The CFPB database shows 0 complaints against Bar Harbor Bank & Trust, and 0 complaints against Gardiner. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bar Harbor Bank & Trust with other Banks in Maine
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
