Investor Presentaiton

Diversification of Non-Interest Income • Customer Service Fee Income grew 2% year-over-year, while Other Income grew 17% BAR HARBOR BANKSHARES • Mortgage production is opportunistically managed between balance sheet and secondary market sales • In periods of low interest rates, market conditions drove outsized Mortgage Banking Fee Income and Derivative Fee Income • Bar Harbor Wealth Management continues to add new customers while navigating a tumultuous market Non-Interest Income, 1Q 2021 Other, 6% Trust & Wealth, 36% Customer Derivative Fees, 4% Mortgage Banking, 25% Non-Interest Income, 1Q 2022 Trust & Wealth, 41% Customer Service Fees, 29% Other, 14% Customer Service Fees, 40% Mortgage Banking, 5% Non-Interest Income, 1Q 2023 Trust & Wealth, 39% Other, 17% Customer Derivative Mortgage Fees, 1% Banking, 3% Customer Service Fees, 40% 17

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