Investor Presentaiton

In Thousands Asset Quality Net Charge Offs 100 0.30% 50 6091 (50) (100) (150) 0.25% 0.20% 0.15% 0.10% 0.05% BAR HARBOR BANKSHARES NPAs as a % of Total Assets (200) 0.00% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Non-Performing Loans as a % of Total Loans Allowance for Credit Losses as a % of Total Loans 0.40% (period end) 0.35% 0.91% 0.30% 0.90% 0.25% 0.89% 0.20% 0.88% 0.15% 0.87% 0.10% 0.05% 0.86% | | 0.00% 0.85% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 21

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