Bar Harbor Bankshares operates as a bank holding company for Bar Harbor Bank & Trust that provides retail and commercial banking products and services. It accepts various retail deposit products, including checking, interest bearing NOW, money market, savings, club, health savings, and individual retirement accounts, as well as short-term and long-term certificates of deposit; and commercial deposit accounts comprising business checking and tiered money market accounts. The company also offers various loan products, such as home mortgages, residential construction loans, home equity loans and lines of credit, credit cards, and overdraft protection services; secured and unsecured installment loans for new or used automobiles, boats, recreational vehicles, mobile homes, and other personal needs; and business loans to individuals, partnerships, corporations, and other business entities for capital construction, real estate and equipment financing, working capital, real estate development, and other business purposes. In addition, it provides other customary products and services consisting of safe deposit box rentals, wire transfers, check collection services, foreign currency exchange, money orders, and the U.S. savings bonds redemptions; life insurance, annuity, and retirement products, as well as financial planning services; third-party securities and insurance broker and dealer services; electronic banking services; cash management services; and remote deposit capture, merchant credit card processing, night depository, and coin and currency handling services. Further, the company offers trust and investment management services to individuals, businesses, not-for-profit organizations, and municipalities. As of February 21, 2017, it provided a range of financial services through its 49 branch locations in Northern New England states of Maine, New Hampshire, and Vermont. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine.