Investor Presentaiton

Overview of Bar Harbor Bank & Trust Bank Overview BAR HARBOR BANKSHARES Key Statistics as of March 31, 2023 . • to provide exceptional service to people, businesses and communities we serve We strive to be one of the most profitable banks in New England; and Assets Net Loans Deposits Business overview as of March 31, 2023 • • • Over 50 locations spanning Northern New England¹ $2.3 billion in AUM in wealth management and trust Commercial LPO office in Portland, Maine Diverse fee income sources have been developed ($ in millions except Stock Price) $3,928 $2,917 $3,054 Shareholder Equity $408 NPAs Total Assets 0.20% Core Return on Average Assets² 2 1.36% • Seasoned management team with strong market knowledge and industry experience Core Return on Average Equity² 12.94% Net Interest Margin² 3.54% • . • • • • Track record of generating growth Employee and customer experience is the foundation of superior performance, which we believe leads to financial benefit to shareholders Strong commitment to risk management Continued commitment to expanding customer services and products, while growing and diversifying our non-interest income sources Investment in process, products, technology, training, leadership and infrastructure Expansion of the Bank's brand and business to deepen market presence Key Statistics as of March 31, 2023 Closing Stock Price Market cap Price LTM Core EPS Dividend Yield Source: Company filings, includes banking, lending and wealth management service locations across ME, VT and NH Locations include banking, lending and wealth management services 2For a reconciliation of these non-GAAP financial measures to the comparable GAAP measures, see the Appendix $26.45 $400 8.4x 3.93% 6

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