Investor Presentaiton

Q1 2023 Overview • 1.36% return on assets, compared to 1.00% • 12.96% return on equity, compared to 8.89% • 8% annualized commercial loan growth • 3.54% net interest margin, compared to 2.95% • 55% efficiency ratio, compared to 62% • 0.20% non-performing assets ratio to total assets, compared to 0.25% • Book value per share of $27.00, compared to $26.09 in the Q4 2022 BAR HARBOR BANKSHARES "Our business is based on longstanding, basic banking principles; take in deposits in the form of real currency and then lend that money back to our communities to make a meaningful difference. We remain committed to this while holding steadfast and resolute in navigating industry challenges, differentiating ourselves in the community bank space." Note: Ratios are compared to Q1 2022 unless otherwise noted 1 For a reconciliation of there non-GAAP measures to comparable GAAP measures, see the Appendix 16

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