Form 8-K

8-K — BAR HARBOR BANKSHARES

Accession: 0001104659-26-109353

Filed: 2026-09-21

Period: 2026-09-21

CIK: 0000743367

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — bhb-20260921x8k.htm (Primary)

EX-99.1 (bhb-20260921xex99d1.htm)

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8-K

8-K (Primary)

Filename: bhb-20260921x8k.htm · Sequence: 1

BAR HARBOR BANKSHARES_September 21, 2026

0000743367false00007433672026-09-212026-09-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): September 21, 2026

BAR HARBOR BANKSHARES

(Exact Name of Registrant as Specified in its Charter)

Maine

001-13349

01-0393663

(State or Other Jurisdiction)

of Incorporation)

(Commission File No.)

(I.R.S. Employer

Identification No.)

PO Box 400

04609-0400

82 Main Street

(Zip Code)

Bar Harbor, Maine

(Address of Principal Executive Offices)

Registrant’s telephone number, including area code: (207) 288-3314

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act

Title of each class

Trading Symbol

Name of each exchange on which registered

Common Stock, par value $2.00 per share

BHB

NYSE American

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure

On September 21, 2026, Bar Harbor Bankshares (the “Company”) made available its investor presentation that the Company intends to utilize in connection with investor meetings on September 22, 2026 and September 23, 2026. A copy of the presentation is furnished as Exhibit 99.1 to this Current Report on Form 8-K (this “Report”) and is incorporated by reference herein. The investor presentation is also available on the Company’s website located at www.barharbor.bank/about-us/shareholder-relations/investor-presentations.

Note Regarding Forward-Looking Statements

This Report contains forward-looking statements that are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The use of words such as “anticipate,” “believe,” “continue,” “could,” “endeavor,” “estimate,” “expect,” “anticipate,” “intend,” “may,” “might,” “plan,” “potential,” “predict,” “project,” “seek,” “should,” “target,” “will” or “would” or the negative of such words or other similar expressions can be used to identify forward-looking statements. Each forward-looking statement is subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied in such statement. These and other risks and uncertainties are described in additional detail in the section entitled “Risk Factors” in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025, its Quarterly Reports on Form 10-Q and its other filings made with the Securities and Exchange Commission from time to time. Although the Company’s forward-looking statements reflect the good faith judgment of its management, these statements are based only on facts and factors currently known by the Company. As a result, you are cautioned not to rely on these forward-looking statements. Any forward-looking statement made in this Report speaks only as of the date on which it is made. Except as required by applicable law, the Company undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future developments or otherwise.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits.

Exhibit No.

Description

99.1

Investor Presentation dated September 2026

104

Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

Bar Harbor Bankshares

September 21, 2026

By:

/s/ Curtis C. Simard

Curtis C. Simard

President and CEO

EX-99.1

Filename: bhb-20260921xex99d1.htm · Sequence: 2

Exhibit 99.1

Q2 2026

Investor Presentation

Legal Disclaimer

Cautionary Statement Regarding Forward-Looking Statements

This presentation, including any oral statements made regarding the contents of this presentation, contains certain statements that are not historical facts that may

constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of

1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. When used in this

presentation the words “believe,” “anticipate,” “expect,” “may,” “will,” “assume,” “should,” “predict,” “could,” “would,” “intend,” “targets,” “estimates,” “projects,”

“plans,” and “potential,” and other similar words and expressions of the future, are intended to identify such forward-looking statements, but other statements not

based on historical information may also be considered forward-looking, including statements about Bar Harbor Bankshares’ (the “Company”) future financial and

operating results and the Company’s plans, objectives, and intentions. All forward-looking statements are subject to risks, uncertainties, and other factors that may

cause the actual results, performance, or achievements of the Company to differ materially from any results, performance, or achievements expressed or implied by

such forward-looking statements. These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause the

actual results to differ materially from the statements, including, but not limited to: (1) deterioration in the financial performance and/or condition of borrowers of Bar

Harbor Bank & Trust (the “Bank” or “BHBT”), including as a result of the negative impact of inflationary pressures on our customers and their businesses resulting in

significant increases in credit losses and provisions for those losses; (2) the possibility that our asset quality could decline or that we experience greater loan losses

than anticipated; (3) increased levels of other real estate owned, primarily as a result of foreclosures; (4) the impact of liquidity needs on our results of operations and

financial condition; (5) competition from financial institutions and other financial service providers; (6) the effect of interest rate increases on the cost of deposits; (7)

unanticipated weakness in loan demand or loan pricing; (8) adverse conditions in the national or local economies including in our markets throughout Northern New

England; (9) changes in consumer spending, borrowing and saving habits; (10) the emergence and effects related to a future pandemic, epidemic or outbreak of an

infectious disease, including actions taken by governmental officials to curb the spread of such an infectious disease, and the resulting impact on general economic and

financial market conditions and on the Company’s and our customers' business, results of operations, asset quality and financial condition; (11) the effects of civil

unrest, international hostilities or other geopolitical events, including the war in Ukraine and recent hostilities in the Middle East; (12) failure to realize the expected

synergies, cost savings and other financial benefits from the acquisition of Guaranty Bancorp, Inc., the parent company of Woodsville Guaranty Savings Bank

("Woodsville"); (13) lack of strategic growth opportunities or our failure to execute on available opportunities; (14) the ability to grow and retain low-cost core deposits

and retain large, uninsured deposits; (15) our ability to effectively manage problem credits; (16) our ability to successfully implement efficiency initiatives on time and

with the results projected; (17) our ability to successfully develop and market new products and implement technology effectively; (18) the impact of negative

developments in the financial industry and United States and global capital and credit markets; (19) our ability to retain executive officers and key employees and their

customer and community relationships; (20) our ability to adapt to technological changes; (21) risks associated with litigation, including reputational and financial risks

and the applicability of insurance coverage; (22) the vulnerability of the Bank’s computer and information technology systems and networks, and the systems and

networks of third parties with whom the Company or the Bank contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error,

natural disasters, power loss, and other security breaches and interruptions; (23) changes in the reliability of our vendors, internal control systems or information

systems; (24) ongoing competition in the labor markets and increased employee turnover; (25) the potential impact of climate change; (26) our ability to comply with

various governmental and regulatory requirements applicable to financial institutions; (27) changes in state and federal laws, rules, regulations, or policies applicable

to banks or bank or financial holding companies, including regulatory or legislative developments; (28) the effects of and changes in trade and monetary and fiscal

policies and laws, including the interest rate policies of the Board of Governors of the Federal Reserve System; (29) adverse impacts (including costs, fines, reputational

harm, or other negative effects) from current or future litigation, regulatory examinations, or other legal and/or regulatory actions; (30) reductions in the market value

or outflows of wealth management assets under management; (31) the impacts of tariffs, sanctions and other trade policies of the United States and its global trading

counterparts; and (32) general competitive, economic, political, and market conditions, including economic conditions in the local markets where we operate.

Other factors not identified above, including those described under the headings “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and

Results of Operations,” in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025, our Quarterly Reports on Form 10-Q, and Current Reports on

Form 8-K filed with the Securities and Exchange Commission (the “SEC”) and available on the SEC’s website at http://www.sec.gov, may also cause actual results to

differ materially from those described in our forward-looking statements. Most of these factors are difficult to anticipate and are generally beyond our control. Given

these uncertainties, you are cautioned not to place undue reliance on such forward-looking statements, and you should consider these factors in connection with

considering any forward-looking statements that may be made by us. We undertake no obligation to release publicly any revisions to any forward-looking statements,

to report events or to report the occurrence of unanticipated events unless we are required to do so by law. 2

Legal Disclaimer

Non-GAAP Financial Measures

This presentation contains certain non-GAAP financial measures in addition to results presented in accordance with

accounting principles generally accepted in the United States of America (“GAAP”). These non-GAAP measures are

intended to provide the reader with additional supplemental perspectives on operating results, performance trends,

and financial condition. Non-GAAP financial measures are not a substitute for GAAP measures; they should be read and

used in conjunction with the Company's GAAP financial information. Because non-GAAP financial measures presented

in this document are not measurements determined in accordance with GAAP and are susceptible to varying

calculations, these non-GAAP financial measures, as presented, may not be comparable to other similarly titled

measures presented by other companies. A reconciliation of non-GAAP financial measures to GAAP measures is

provided below. In all cases, it should be understood that non-GAAP measures do not depict amounts that accrue

directly to the benefit of shareholders. An item which management excludes when computing non-GAAP core earnings

can be of substantial importance to the Company's results for any particular quarter or year. Each non-GAAP measure

used by the Company in this report as supplemental financial data should be considered in conjunction with the

Company's GAAP financial information.

The Company utilizes the non-GAAP measure of core earnings in evaluating operating trends, including components for

core revenue and expense. These measures exclude amounts which the Company views as unrelated to its normalized

operations, including gains/losses on securities, premises, equipment and other real estate owned, acquisition costs,

restructuring costs, legal settlements, and systems conversion costs. Non-GAAP adjustments are presented net of an

adjustment for income tax expense.

The Company also calculates core earnings per share based on its measure of core earnings. The Company views these

amounts as important to understanding its operating trends, particularly due to the impact of accounting standards

related to acquisition activity. Analysts also rely on these measures in estimating and evaluating the Company's

performance. Management also believes that the computation of non-GAAP core earnings and core earnings per share

may facilitate the comparison of the Company to other companies in the financial services industry. The Company also

adjusts certain equity related measures to exclude intangible assets due to the importance of these measures to the

investment community.

Please refer to the Appendix for more information about the non-GAAP financial measures, and reconciliations of the

non-GAAP financial measures to their most directly comparable GAAP financial measures.

BHB (60 full-service branches)

Assets

Deposits

Gross Loans

ROAA

Net Interest Margin¹

$4.7B

$3.9B

$3.6B

1.31%

3.61%

¹ For a reconciliation of non-GAAP measures to comparable GAAP measures, see the Appendix

² Data as of September 17, 2026

Bar Harbor Bankshares at a Glance

Augusta Montpelier

Concord

Bar Harbor

Eastport

Rutland

Efficiency Ratio¹

Assets Under

Management

Market Capitalization²

55.8%

$3.5B

$672M

Dividend Yield² 3.4%

Financial Highlights for the Quarter Ended 6/30/2026

NYSEAM: BHB

Investment Highlights

Experienced management team with extensive market knowledge and a commitment to

risk management

History of consistent profitability, targeted organic growth, and opportunistic M&A

Scarcity value as one of the few publicly traded New England financial institutions

Profitability strengthened by diversified sources of fee income representing 22% of net revenue¹

Disciplined credit culture with an adherence to strong underwriting

Service and sales-driven culture with a focus on core commercial business growth

¹ For the 12 months ending 6/30/26, includes wealth, treasury, customer derivatives and mortgage services

Bar Harbor Bankshares Operating Philosophy

We set out to build a balanced Bank that is not overly reliant on any one business, with a strong risk-focused

culture, and a judicious approach to capital management through all market conditions.

Growing market share as high-touch, solutions-based service differentiates us from competitors

Focusing on core earnings while balancing growth with profitability

Growing core transactional deposits over the long term

Adhering to disciplined credit culture with historic low charge-off rates

Diligently managing interest rate sensitivity, leveraging expansive in-house modeling capacity

Expanding non-interest income as a percentage of total revenue

Managing non-interest expenses while selectively investing in infrastructure, digital platforms, call center,

technology and operations

Selective and cohesive acquisitions to supplement organic growth (three since 2017)

A Proven Senior Executive Team

Curtis C. Simard

• Joined as President & CEO of Bar

Harbor Bank & Trust in June of

2013

• Served as Managing Director of

Corporate Banking for TD Bank

• Over 30+ years of industry

experience

SVP, Chief Human Resources Officer

Alison DiPaola

• Joined in June 2013

• Extensive human resources

experience including being

SHRM-SCP certified

• Over 10+ years of industry

experience

Jason Edgar

President, Bar Harbor Wealth

Management

• Joined in June of 2019

• Served as SVP, Director of Wealth

Management at Berkshire Hills

Bancorp and has over 20+ years

industry experience

Marion Colombo

EVP, Director of Retail Delivery

• Joined in February of 2018

• Over 30+ years of experience,

including Market President of Retail

for TD Bank in Boston

John Mercier

EVP, Chief Lending Officer

• Joined in April of 2017

• Over 30+ years of experience in

lending throughout the

Northeast

John Williams

SVP, Chief Risk Officer

• Joined in December of 2014

• 10+ years in various risk

management roles within

banking

Joseph Scully

SVP, Chief Information Officer &

Director of Operations

• Joined in January of 2015

• Over 30+ years of experience in

operations, technology &

security experience, including the

Department of Defense and

Financial Institutions

EVP, Chief Financial Officer

& Treasurer

Josephine Iannelli

• Joined in October of 2016

• Served as EVP CFO and Treasurer of

Berkshire Hills Bancorp as well as

other various management positions

at PNC

• Over 30+ years of industry experience

President & Chief Executive

Officer

Scarcity Value in High-Quality Markets

Community Bank Deposit Market Share by State¹ Attractive Markets of Operation²

Deposits Market

Rank Company Branches ($M) Share (%)

Maine

1 Bangor Bancorp MHC 62 5,578 16.4

2 Camden National Corp. 56 4,549 13.4

3 Northeast Bank 9 3,406 10.0

4 The First Bancorp Inc. 18 2,706 7.9

5 Machias Bancorp MHC 15 2,294 6.7

6 Maine Community Bancorp MHC 23 2,253 6.6

7 Bar Harbor Bankshares 22 1,940 5.7

8 Norway Bancorp MHC 24 1,589 4.7

9 Mascoma Mutual Financial Services 11 1,373 4.0

10 Kennebec Savings MHC 8 1,353 4.0

New Hampshire

1 New Hampshire Mutual Bancorp 31 3,162 15.8

2 BNH Financial 21 2,262 11.3

3 Mascoma Mutual Financial Services 13 1,583 7.9

4 Bar Harbor Bankshares 29 1,505 7.5

5 Bank of New England 6 1,351 6.8

6 Independent Bank Corp. 8 1,018 5.1

7 Camden National Corp. 16 997 5.0

8 Eastern Bankshares Inc. 9 831 4.2

9 Franklin Bancorp MHC 9 747 3.7

10 Ledyard Financial Group Inc. 10 721 3.6

Vermont

1 Community Financial System Inc. 29 1,465 15.9

2 Northfield Mutual Holding Co. 13 1,281 13.9

3 Mascoma Mutual Financial Services 14 991 10.7

4 Union Bankshares Inc. 14 942 10.2

5 Community Bancorp. 12 934 10.1

6 Middlebury National Corp. 7 506 5.5

7 Passumpsic Bancorp 8 485 5.3

8 Community Financial MHC 5 477 5.2

9 Bar Harbor Bankshares 11 381 4.1

10 Beacon Financial Corp. 5 367 4.0

1 Reflects deposit market share among banks with total assets less than $100 billion

2 Includes branches in MSAs unless otherwise indicated; Deposit totals as of June 30, 2025

Lebanon-Claremont, NH-VT

Concord, NH

Manchester-Nashua, NH

$1.1B Total Deposits

25 Total Branches

$317M Total Deposits

5 Total Branches

$248M Total Deposits

6 Total Branches

Key Employers:

Hancock, ME (County)

$1.5B Total Deposits

8 Total Branches

Key Employers:

Q2 2026 Financial Highlights

1 For a reconciliation of non-GAAP measures to comparable GAAP measures, see the Appendix

2 Annualized metric used to account for seasonality.

3 CRE/ Risk-Based Capital defined as commercial real estate loans as outlined in the regulatory agencies guidance on commercial real estate (CRE) as a percent of risk-based capital. Excludes owner-occupied.

MRQ

ROAA (annualized) 1.31%

Core ROAA (annualized) ¹ 1.33%

ROATCE (annualized) ¹ 16.11%

Core ROATCE (annualized) ¹ 16.31%

Net Interest Margin¹ 3.61%

Efficiency Ratio¹ 55.8%

Annualized Loans HFI Growth 3.2%

Annualized YTD Deposit Growth2 2.0%

NIB Deposits ($M) $678

NIB Deposits (%) 17%

Non-Performing Assets / Total Assets 0.44%

NCOs / Avg. Loans (annualized) 0.38%

TCE / TA¹ 8.56%

CET1 Ratio 11.45%

CRE Ratio3 335%

Profitability BS Growth Credit Capital

Loans – Focus on Profitability

Loan Mix by Product¹

1 Commercial loans include construction, commercial real estate, municipal, and commercial and industrial loans. Consumer loans include home equity and other consumer loans.

57% 61%

64% 67%

69%

71% 69%

39% 35%

32%

30%

28%

25% 27%

4% 4%

$2.6B $2.5B

$2.9B $3.0B

$3.1B

$3.6B $3.6B

2020 2021 2022 2023 2024 2025 Q2 2026

Total Commercial Residential Real Estate Consumer

• In Q2 2026, yield on loans was 5.52%

• Continuing to prudently evaluate loan portfolio mix

and strategy

• Prioritizing profitable growth with a conservative

credit culture

• Evolving portfolio mix reflects strategic shift toward

commercial lending

Highlights

Commercial Loan Mix (Q2 2026)

OO CRE

15%

Construction

10%

Non-OO CRE

60%

C&I

15%

$2.4B

Total

Asset Quality

0.92%

0.95% 0.94% 0.96%

0.89%

2025Q2 2025Q3 2025Q4 2026Q1 2026Q2

0.31% 0.27%

0.32%

0.65%

0.32%

2025Q2 2025Q3 2025Q4 2026Q1 2026Q2

0.30%

0.25% 0.29%

0.52%

0.44%

2025Q2 2025Q3 2025Q4 2026Q1 2026Q2

0.03% 0.04% 0.03% 0.00%

0.38%

2025Q2 2025Q3 2025Q4 2026Q1 2026Q2

NCOs / Avg. Loans

Non-Performing Loans as a % of Total Loans Allowance for Credit Losses as a % of Total Loans (period end)

NPAs as a % of Total Assets

Strong Credit-Oriented Culture Supporting Our Growth

• Loans 30 days past due at 6/30/2026 were 0.28% of total loans, compared to 0.55%

at 3/31/2026 and 0.27% at 6/30/2025.

• Non-accruing loans ended the quarter at 0.32% of total loans, which was down from

0.65% for Q1 2026.

• Net charge-offs totaled $3.4 million YTD, driven by a $3.3 million partial charge-off in

Q2 related to a previously non-accruing relationship that was moved into other real

estate owned and that carried significant specific reserves at the end of Q1.

• Pass-rated loans ratio of 95.35% (up from 94.6% at 3/31/2026), with positive external

feedback from independent Loan Review

Delinquent & Non-performing Loans / Total Loans1

1 As of 9/30/2025, WGSB loan data remained outside BHBT’s core system and had not yet been fully integrated into reporting. Accordingly, Q2 2025 and Q3 2025 figures reflect BHBT standalone.

WGSB figures are included beginning in Q4 2025.

2 The increase for Q4 2025 and Q1 2026 was primarily a function of timing given the 31st day lands on a business day and a group of customers typically make payments about 30 days in arrears

which become reportable as overdue. Accordingly, we do not believe the increase was an indication of deteriorated credit quality.

Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026

Accruing Delinquent Loans² 0.09% 0.09% 0.27% 0.32% 0.12%

Non-Accruing Loans 0.31% 0.27% 0.32% 0.65% 0.32%

Total Delinquent and Non-Accruing Loans 0.40% 0.36% 0.59% 0.97% 0.44%

Deposits – Consistent Funding Source

Historical Deposit Mix Highlights

Deposit Mix by Product (Q2 2026)

76%

86% 89%

78% 75%

76% 76%

24%

14% 11%

22% 25%

24% 24%

$2.9B

$3.0B $3.0B $3.1B

$3.3B

$3.8B $3.9B

2020 2021 2022 2023 2024 2025 Q2 2026

Total non-maturity deposits Time

Non-interest

bearing demand

17%

Interest-bearing

demand

30%

Savings

16%

Money market

13%

Time deposits

24%

$3.9B

Total

• In Q2 2026, cost of deposits was 1.55%

• Stable deposit trends supported by a strong

branch sourcing network

• Consistent core funding for balance sheet growth

• Ample contingent liquidity available¹

1 As of June 30, 2026, available same-day liquidity totaled approximately $1.3 billion, including cash, borrowing capacity at FHLB and the Federal Reserve Discount Window and various lines of credit.

Additional sources of liquidity include cash flows from operations, wholesale deposits, cash flow from our amortizing securities and loan portfolios. As of June 30, 2026, we had unused borrowing capacity

at the FHLB of $521.9 million, unused borrowing capacity at the Reserve Bank of $105.6 million and unused lines of credit totaling $41.0 million, in addition to $104.4 million in cash.

Diversification of Non-Interest Income

Note: Non-interest income composition and percentage of operating revenue excludes one-time items such as the gain (loss) on available-for-sale debt securities

• We have diverse sources of non-interest income that

continue to be a significant contribution in any rate

environment

• Mortgage production is opportunistically managed between

balance sheet and secondary market sales

• Bar Harbor Wealth Management, along with brokerage,

continues to add new customers while navigating a

tumultuous market breaching $3.5 billion in AUM

Q2 2026 LTM Non-interest Income Composition Historical Non-interest Income ($000s)

Highlights

Trust & Wealth

37%

Customer Service Fees

40%

Mortgage

Banking

Customer

Derivative Fees

Other

13%

$43M

Total

42,261

34,647 35,073 36,888 34,456

43,038

2021 2022 2023 2024 2025 Q2 2026

LTM

29.2%

23.3% 22.6%

24.4%

22.8%

22.3%

% of operating revenue

$0.26

$0.28

$0.30

$0.32

$0.34

2022Q2 2023Q2 2024Q2 2025Q2 2026Q2

11.73%

10.77% 10.99% 11.22% 11.45%

2025Q2 2025Q3¹ 2025Q4 2026Q1 2026Q2

12.34%

11.33% 11.54% 11.77% 12.00%

2025Q2 2025Q3¹ 2025Q4 2026Q1 2026Q2

13.76%

13.05% 13.18% 13.43% 13.52%

2025Q2 2025Q3¹ 2025Q4 2026Q1 2026Q2

Continued Commitment to Strong Capital

Total Capital to Risk-Weighted Assets

CET 1 Capital to Risk-Weighted Assets Cash Dividend Paid Per Share

Tier 1 Capital to Risk-Weighted Assets

Regulatory Well Capitalized Minimum of 10% Regulatory Well Capitalized Minimum of 8%

Regulatory Well Capitalized Minimum of 6.5%

1 2025Q3 capital ratios reflect the acquisition of Guaranty Bancorp, Inc., which was completed on July 31, 2025.

Fostering Sustainable Communities

Note: Information as of December 31, 2025

Confirmation of our Durability

Investor Relations Contact Information

Facebook

@BHBTsocial

Bar Harbor Bank & Trust

Instagram

@BHBTSocial

Connect with us

on Social Media

Visit our Website

barharbor.bank/shareholder-relations

Contact by Phone

207-288-2637

Write to us at

Bar Harbor Bankshares

Attn: Investor Relations

PO Box 400

Bar Harbor, ME 04609-0400

Contact by Email

investorrelations@barharbor.bank

Enhancing our New Hampshire Franchise

• Closed the Guaranty acquisition effective July 31,

2025; successfully completed system conversion in

early October

• This strategic expansion enabled Bar Harbor Bank &

Trust to add nine New Hampshire branches,

broadening the Bank’s footprint in an adjacent,

contiguous geography.

• The merger allows Bar Harbor Bank & Trust to

enhance our deposit and loan base, while creating

new opportunities for cross-sell and fee income.

• Both institutions are long-standing community

banks (Bar Harbor founded 1887; Woodsville

founded 1889), which supports alignment in values

and customer focus.

Acquisition of Guaranty Bancorp, Inc.

Interest Rate Sensitivity Position

• The Bank’s net interest income (“NII”) sensitivity is slightly asset sensitive as the bank continues

to optimize its balance sheet mix to maximize margin while limiting risk to acceptable levels.

• Economic value of equity (“EVE”) is slightly liability sensitive, with Asset/Swap duration (1.9)

and Liability duration (2.3) closely matched to minimize risk

• Continue to enhance and expand our use of models within the organization, strengthening

various asset/liability assumptions and testing methods

Non-GAAP to GAAP Reconciliations

Dollar values in millions, except per share amounts Unaudited

Q2 2026

Net income (A) $15,221

Non-core items

(Gain) loss on available-for-sale debt securities 25

(Gain) loss on sale of premises and equipment, net --

(Gain) loss and other expenses on other real estate owned 273

Acquisition, conversion and other expenses (36)

Income tax expense¹ (65)

Total non-core items 197

Core earnings (B) $15,418

Net interest income (C) 37,919

Non-interest income 11,732

Total revenue $49,651

(Gain) loss on available-for-sale debt securities 25

Total core revenue (D) $49,676

Total non-interest expense 29,182

Non-core expenses:

(Gain) loss on sale of premises and equipment, net --

(Gain) loss and other expenses on other real estate owned (273)

Acquisition, conversion and other expenses 36

Total non-core expenses (237)

Core non-interest expense (E) $28,945

1 Assumes a tax rate of 24.65% in the second quarter of 2026

2 Tangible shareholders’ equity is computed by taking total shareholders’ equity less the intangible assets at period-end. Tangible assets is computed by taking total assets less the intangible assets at period-end 3 All performance ratios are based on average balance sheet amounts, where applicable

4 Efficiency ratio is computed by dividing core non-interest expense net of franchise taxes and intangible amortization divided by core revenue on a fully taxable equivalent basis

Dollar values in millions, except per share amounts Unaudited

Q2 2026

Average earning assets (F) 4,277

Average assets (G) 4,654

Average tangible shareholders' equity² (H) 390

Tangible shareholders' equity, period-end² (I) 392

Tangible assets, period-end² (J) 4,585

Tangible shareholders' equity/total tangible assets² (I/J) 8.56%

Performance Ratios³

Core return on assets (B/G) 1.33%

Return on tangible equity (A+N)/H 16.11%

Core return on tangible equity¹ (B+N)/H 16.31%

Efficiency ratio⁴ (E-M-N)/(D+K) 55.8%

Net interest margin, fully taxable equivalent (C+L)/F 3.61%

Supplementary

Taxable equivalent adjustment for efficiency ratio (K) 905

Taxable equivalent adjustment for net interest margin (L) 556

Franchise taxes included in non-interest expense (M) 159

Intangible amortization (N) 582

1 Assumes a tax rate of 24.65% in the second quarter of 2026

4 Efficiency ratio is computed by dividing core non-interest expense net of franchise taxes and intangible amortization divided by core revenue on a fully taxable equivalent basis

Non-GAAP to GAAP Reconciliations (Continued)

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Sep. 21, 2026

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