Page 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K □ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number : 001-13349 Maine BAR HARBOR BANKSHARES BAR HARBOR BANKSHARES ( Exact name of registrant as specified in its charter ) ( State or other jurisdiction of incorporation or organization ) PO Box 400 82 Main Street , Bar Harbor , ME ( Address of principal executive offices ) Title of each class 01-0393663 ( I.R.S. Employer Identification No. ) 04609-0400 ( Zip Code ) Registrant's telephone number , including area code : ( 207 ) 669-6784 Common Stock , par value $ 2.00 per share Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol BHB Securities registered pursuant to Section 12 ( g ) of the Act : None Name of each exchange on which registered NYSE American Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes □ No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes > No ☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( $ 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No □ Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S - K ( § 229.405 of this chapter ) is not contained herein , and will not be contained , to the best of registrant's knowledge , in definitive proxy or information statements incorporated by reference in Part III of this Form 10 - K or any amendment to this Form 10 - K . □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company or an emerging growth company . See the definition of “ large accelerated filer , ” “ accelerated filer ” , “ smaller reporting company " , or " emerging growth company " in Rule 12b - 2 of the Exchange Act . ( Check one ) Large Accelerated Filer Emerging growth company Accelerated Filer Non - Accelerated Filer Smaller Reporting 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 . □ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) Yes □ No The aggregate market value of the common stock held by non - affiliates of Bar Harbor Bankshares was $ 334,523,815 based on the closing sale price of the common stock on the NYSE American on June 30 , 2020 , the last trading day of the registrant's most recently completed second quarter . The Registrant had 14,938,697 shares of common stock , par value $ 2.00 per share , outstanding as of March 5 , 2021 . DOCUMENTS INCORPORATED BY REFERENCE Portions of the definitive Proxy Statement for the Annual Meeting of Stockholders to be held on May 18 , 2021 are incorporated by reference into Part III , Items 10-14 of this Annual Report on Form 10 - K .