Investor Presentaiton

Commercial Real Estate - Office Exposure Office portfolio remains sound amid industry challenges BAR HARBOR BANKSHARES • Total outstanding office loans of $246 million, or ~8% of total loans, at Q1 2023 • 99% of total Office Exposure is pass-rated . . Weighted average risk rating of 3.89 for Office, compared to 4.08 for total portfolio Commercial Real Estate - Office ($000s) 96% of total office exposure within New England market area Largest office exposure is to BHBT's largest borrower - a RR 3 credit, with total office exposure of $46MM over 2 properties and a weighted-average LTV of 53% • Exposure is spread across 72 relationships and 101 loans Total commitments of $258 million include undrawn LOCS and SWAP exposure Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Total Office Commitments $240,902 $242,134 $242,578 $260,094 $258,041 Weighted Average Interest Rate 3.12% 3.48% 4.07% 4.74% 4.93% Weighted Average 3.71 3.72 3.73 3.84 3.89 Risk Rating 20 20

View entire presentation