Investor Presentaiton

BAR HARBOR BANKSHARES Loans - Focus on Profitability • Continue to prudently evaluate our loan portfolio mix & strategy • As of Q1 2023, Commercial Loans have increased from 49% to 66% of the Loan Portfolio since Q1 2018 Loan Portfolio Detail 100% 5% 4% 5% 4% 4% 3% 90% 80% 34% 33% 31% 70% 46% 47% 43% 60% 50% 40% 30% 62% 64% 66% 49% 49% 52% 20% 10% 0% Q1 2018 Q1 2019 Q1 2020 Q1 2021 Q1 2022 Q1 2023 Total Commercial Residential real estate Consumer 18

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