Bar Harbor Bankshares Insider Purchases 09/12/2025 — Form 4 Filing

Rhea-AI Filing Summary

Curtis C. Simard, who serves as President/CEO and a director of Bar Harbor Bankshares (BHB), reported purchases of the issuer's common stock on 09/12/2025. The filing shows two acquisitions via the company's Dividend Reinvestment and Direct Stock Purchase and Sale Plan: 48.3154 shares at $32.84 and 962.9 shares at $32.66, each listed as acquired and held indirectly by the Curtis C. Simard Revocable Trust. The report also shows 1,917 shares held indirectly by a 401(k). Following the reported transactions, the filing lists combined beneficial ownership amounts of 122,383.0889 and 123,345.9889 shares on the related lines, consistent with trust holdings noted. The transactions are described as exempt under Rule 16b-3(d) as part of the issuer's DRIP and purchase plan.

Positive

• Insider participation in the company DRIP and purchase plan, indicating alignment with shareholder interests
• Clear disclosure of roles (President/CEO and Director) and indirect holdings (revocable trust, 401(k))

Negative

• None.

Insights

Financial Analyst

TL;DR: Insider purchases via DRIP/direct plan are routine and appear immaterial to valuation.

The transactions reported by Curtis C. Simard are purchases through the issuer's Dividend Reinvestment and Direct Stock Purchase and Sale Plan and are exempt under Rule 16b-3(d). The reported amounts—48.3154 shares at $32.84 and 962.9 shares at $32.66—are modest and likely reflect automatic plan activity rather than selective open-market accumulation. Because the filing shows indirect holdings via a revocable trust and a 401(k), these purchases maintain insider alignment with shareholders but do not on their own signal a material change to ownership or control.

Corporate Governance Expert

TL;DR: Disclosure is standard and complies with Section 16 reporting; no governance red flags evident.

The Form 4 is filed by one reporting person and discloses the reporting person’s roles as President/CEO and director. Transactions are clearly identified as plan-based and exempt under Rule 16b-3(d), with signature executed by an attorney-in-fact. The report includes indirect ownership via a revocable trust and a 401(k), and there are no amendments or unusual derivative transactions disclosed. From a governance perspective, the filing is routine and complete as presented.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Simard Curtis C

(Last) (First) (Middle)

PO BOX 400

82 MAIN STREET

(Street)

BAR HARBOR ME 04609

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
BAR HARBOR BANKSHARES [ BHB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	PRESIDENT/CEO

3. Date of Earliest Transaction (Month/Day/Year)
09/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/12/2025		A(1)	V	48.3154	A	$32.84	122,383.0889	I	Held by Curtis C. Simard Revocable Trust
Common Stock	09/12/2025		A(1)	V	962.9	A	$32.66	123,345.9889	I	Held by Curtis C. Simard Revocable Trust
Common Stock								1,917	I	by 401(k)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. These shares were acquired through the reporting person's participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan, in a transaction exempt under Rule 16b-3(d) under the Securities and Exchange Act of 1934, as amended.

	/s/ Olivia Erickson, Attorney-in-Fact	09/16/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions did Curtis C. Simard report on Form 4 for BHB?

The Form 4 reports purchases on 09/12/2025: 48.3154 shares at $32.84 and 962.9 shares at $32.66, acquired via the issuer's Dividend Reinvestment and Direct Stock Purchase and Sale Plan.

What positions does the reporting person hold at Bar Harbor Bankshares (BHB)?

The filing lists Curtis C. Simard as both President/CEO and a Director of Bar Harbor Bankshares.

How are the acquired shares held according to the filing?

The acquired shares are reported as held indirectly by the Curtis C. Simard Revocable Trust; an additional 1,917 shares are reported as held indirectly by a 401(k).

Were these transactions exempt from short-swing profit rules?

Yes. The filing states the shares were acquired in a transaction exempt under Rule 16b-3(d) through the issuer's dividend reinvestment and direct purchase plan.

Who signed the Form 4 on behalf of the reporting person?

The Form 4 is signed by Olivia Erickson, Attorney-in-Fact on behalf of the reporting person, dated 09/16/2025.