Bar Harbor Bank & Trust vs Sebasticook Valley
Comparing a Bank in Bar Harbor, ME with a Credit Union in Pittsfield, 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 | Sebasticook Valley ↗ Credit Union · Pittsfield, ME · Est. 1953 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Bar Harbor, ME | Pittsfield, ME |
| Total assets | $4.7B | $182.6M |
| Capital ratio | 12.5% | 15.2% |
| Return on assets | 1.3% | 2.0% |
| Deposits | $3.9B | — |
| Branches | 62 | 12,022 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 22 | #3 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
Sebasticook Valley
- Assets: $182.6M
- Members: 12,022
- Capital ratio: 15.2%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #3 of 48
Are both institutions federally insured?
Yes. Bar Harbor Bank & Trust is FDIC-insured and Sebasticook Valley 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 Sebasticook Valley?
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 Sebasticook Valley safe?
Yes — Sebasticook Valley 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 Sebasticook Valley?
Bar Harbor Bank & Trust has a capital ratio of 12.5%, placing it in the top 19% of $1B–10B peers. Sebasticook Valley's ratio is 15.2%, placing it in the top 12% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bar Harbor Bank & Trust have compared to Sebasticook Valley?
The CFPB database shows 0 complaints against Bar Harbor Bank & Trust, and 0 complaints against Sebasticook Valley. 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.
