Investor Presentaiton

Continued Commitment to Strong Capital BAR HARBOR BANKSHARES Total Capital to Risk-Weighted Assets Tier 1 Capital to Risk-Weighted Assets 7.00% 6.00% Q1 2022 Q2 2022 15.00% 14.00% 13.00% 12.00% 11.00% 10.00% 9.00% 8.00% 12.00% 11.00% 10.00% 9.00% 8.00% 7.00% HHHH CET 1 Capital to Risk-Weighted Assets ||||| 15.00% 14.00% 13.00% 12.00% 11.00% 10.00% 9.00% 8.00% 7.00% 6.00% Q3 2022 Q4 2022 Q1 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Cash Dividend Paid Per Share $0.30 $0.25 $0.20 $0.15 $0.10 $0.05 6.00% $0.00 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q1 2019 Q1 2020 Q1 2021 Q1 2022 Q1 2023 Note: The blue horizontal lines indicate minimum required levels for "well-capitalized" banks 23 23

View entire presentation