Investor Presentaiton

Historical Financial Performance BAR HARBOR BANKSHARES Audited Dollar values in millions, except per share amounts or otherwise noted 2018Y 2019Y For the Year Ended, 2020Y Unaudited For the Quarter Ended, 2021Y 2022Y 2022Q1 2022Q2 2022Q3 202204 2023Q1 Balance Sheet Total Assets Total Loans Total Deposits $3,608 $3,669 $3,724 $3,709 $3,910 $3,692 2,488 2,635 2,563 2,532 2,903 2,483 2,696 2,906 3,049 3,043 3,048 $3,716 $3,840 $3,910 $3,928 2,655 2,727 2,850 2,903 2,944 3,079 3,136 3,043 3,054 Capital Total Equity $371 $396 $407 $424 $393 $394 Tang. Common Equity / Tang. Assets 7.51% 7.60% 7.90% 8.32% 8.66% Tier 1 Leverage Ratio 8.53% 8.13% Total Risk-Based Capital Ratio 14.23% 13.61% 8.12% 13.56% 8.66% 9.21% 14.32% 13.50% $407 7.88% 7.46% 6.85% 8.99% 9.16% 9.13% 9.21% 9.33% 13.90% 13.76% 13.42% 13.50% 13.65% $380 $393 $408 8.66% 7.45% Earnings & Profitability Net Income Core ROAA Core ROAE Net Interest Margin Efficiency Ratio Asset Quality NPLs / Loans NPAs / Assets Reserves/Loans $33.0 $22.6 $32.2 $39.3 $43.6 0.99% 0.82% 0.93% 1.10% 1.17% 9.79% 7.65% 8.68% 9.87% 10.96% 2.87% 2.77% 2.97% 2.88% 3.36% 59.27% 64.95% 61.71% 61.29% 59.26% $9.1 $10.5 $11.4 $12.5 $13.0 1.02% 1.14% 1.20% 1.30% 1.36% 9.07% 10.59% 11.54% 12.72% 12.94% 2.95% 3.19% 3.47% 3.76% 3.54% 62.40% 59.25% 57.67% 58.19% 54.72% 0.73% 0.65% 0.57% 0.42% 0.56% 0.66% 0.05% 0.03% 0.48% 0.40% 0.23% 0.33% 0.27% 0.17% 0.74% 0.90% 0.89% 0.07% 0.01% 0.01% 0.35% 0.29% 0.27% 0.23% 0.26% 0.25% 0.21% 0.20% 0.17% 0.20% 0.87% 0.87% 0.88% 0.89% 0.90% -0.01% 0.00% 0.01% -0.02% 0.01% NCOS / Average Loans Yield and Cost Yield on Earning Assets Cost of Interest Bearing Deposits Cost of Total Interest Bearing Liabilities 1.31% 4.00% 4.14% 0.98% 1.27% 1.61% 3.87% 3.33% 3.73% 0.78% 0.36% 0.31% 0.96% 0.59% 0.49% 3.21% 0.20% 0.35% 3.46% 3.84% 4.35% 4.61% 0.20% 0.30% 0.52% 0.91% 0.36% 0.48% 0.78% 1.39% 27

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