Investor Presentaiton

2022 Full Year Overview • Poised for Continued, Profitable Growth 1.17% core return on assets, compared to 1.10% 15% annualized loan growth • 4% annualized non-maturity deposit growth • 3.36% net interest margin, compared to 2.88% • 59% efficiency ratio, compared to 61% 1 • 0.17% non-performing assets ratio to total assets, compared to 0.27% • Continue to "Think Differently" and "Work Together" Note: Year-to-date financial measurements are as of December 31, 2022 and comparisons, if applicable, are against financial measurements as of December 31, 2021 1 For a reconciliation of these non-GAAP measures to comparable GAAP measures, see the Appendix BAR HARBOR BANKSHARES 15

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