UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 2228, 2025

BAR HARBOR BANKSHARES

(Exact Name of Registrant as Specified in its Charter)


Maine	001-13349	01-0393663
(State or Other Jurisdictionof Incorporation)	(Commission File No.)	(I.R.S. EmployerIdentification No.)
(State or Other Jurisdiction)of Incorporation)	(Commission File No.)	(I.R.S. EmployerIdentification No.)

PO Box 400		04609-0400
82 Main Street		(Zip Code)
Bar Harbor, Maine
(Address of Principal Executive Offices)

Registrant’s telephone number, including area code: (207) 288-3314

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ~~Securities registered pursuant to Section 12(b) of the Act~~

Securities registered pursuant to Section 12(b) of the Act


Title of each class	Trading Symbol	Name of each exchange on which registered
Common Stock, par value $2.00 per share	BHB	NYSE American

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 27.0201 ~~Results~~Regulation ofFD ~~Operations and Financial Condition.~~Disclosure

On July 2228, 2025, Bar Harbor Bankshares, ~~issued~~(the a“Company”) ~~press~~made ~~release~~available ~~reporting~~its ~~our~~investor ~~financial~~presentation ~~results~~that ~~for~~ the ~~quarter~~Company ~~ended~~intends ~~June~~to ~~30,~~utilize ~~2025,~~in orconnection ~~the~~with ~~Earnings~~investor ~~Release.~~meetings ~~The~~on ~~full~~July ~~text~~29, 2025. A copy of the ~~Earnings~~presentation ~~Release~~ is furnished as Exhibit 99.1 to this Current Report on Form 8-K, or (this “Report,”) and is incorporated ~~herein~~ by reference herein. The investor presentation is also available on the Company’s website located at www.barharbor.bank/about-us/shareholder-relations/investor-presentations.

InNote ~~accordance with General Instruction B.2 of Form 8~~Regarding Forward-K, the information furnished under this Item 2.02 of this Report and the exhibit attached hereto are deemed to be “furnished” and shall not be deemed “filed” for the purpose of Section 18 of the Exchange Act of 1934, as amended, or the Exchange Act, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Securities Act, or the Exchange Act.Looking Statements

This Report contains forward-looking statements that are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The use of words such as “anticipate,” “believe,” “continue,” “could,” “endeavor,” “estimate,” “expect,” “anticipate,” “intend,” “may,” “might,” “plan,” “potential,” “predict,” “project,” “seek,” “should,” “target,” “will” or “would” or the negative of such words or other similar expressions can be used to identify forward-looking statements. Each forward-looking statement is subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied in such statement. These and other risks and uncertainties are described in additional detail in the section entitled “Risk Factors” in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2024, its Form 10-Q for the Three Months Ended March 31, 2025 and its other filings made with the Securities and Exchange Commission from time to time. Although the Company’s forward-looking statements reflect the good faith judgment of its management, these statements are based only on facts and factors currently known by the Company. As a result, you are cautioned not to rely on these forward-looking statements. Any forward-looking statement made in this Report speaks only as of the date on which it is made. Except as required by applicable law, the Company undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future developments or otherwise.

~~Item 7.01 Regulation FD Disclosure.~~

Item 9.01 Financial Statements and Exhibits

On July 22, 2025, we announced in the Earnings Release that our Board of Directors declared a quarterly cash dividend of $0.32 per share to shareholders of record at the close of business on August 14, 2025 and will be payable on September 12, 2025.

(d) Exhibits.

~~The disclosure contained in Item 2.02 of this Report, including the Earnings Release furnished as Exhibit 99.1 to this Report, is incorporated into this Item 7.01 by reference.~~


Exhibit No.		Description

99.1		Investor Presentation dated July 2025
104		Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document

In accordance with General Instruction B.2 of Form 8-K, the information furnished under this Item 7.01 of this Report and the exhibit attached hereto are deemed to be “furnished” and shall not be deemed “filed” for the purpose of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference into any filing under the Securities Act or the Exchange Act.

~~Item 9.01 Financial Statements and Exhibits.~~

SIGNATURES

~~(d) Exhibits.~~

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.


Exhibit No.		Description

99.1		Press Release dated July 22, 2025
104		Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document


	Bar Harbor Bankshares

July 28, 2025	By:	/s/ Curtis C. Simard
		Curtis C. Simard
		President and CEO

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.


	Bar Harbor Bankshares

July 22, 2025	By:	/s/ Curtis C. Simard
		Curtis C. Simard
		President and CEO

Filing Compare · BAR HARBOR BANKSHARES