Bar Harbor Bankshares, Inc. · AMEX:BHB
Bar Harbor Bankshares — Q2 2026 Earnings Presentation
23 slides from Bar Harbor Bankshares's earnings presentation, Sep 21, 2026
Slide 1: Q2 2026 Investor Presentation
Q2 2026 Investor Presentation
Slide 2: Legal Disclaimer: Cautionary Statement Regarding Forward-Looking Statements
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
Slide 3: Legal Disclaimer: Non-GAAP Financial Measures
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 reade
Slide 4: Bar Harbor Bankshares at a Glance
BHB (60 full-service branches) Assets Deposits Gross Loans ROAA Net Interest Margin¹ $4.7B $3.9B $3.6B 1.31% 3.61% ¹ For a reconciliation of non-GAAP measures to comparable GAAP measures, see the Appendix ² Data as of September 17, 2026 Bar Harbor Bankshares at a Glance ME VT NH Augusta Montpelier C
Slide 5: Investment Highlights
Investment Highlights 5 Experienced management team with extensive market knowledge and a commitment to risk management History of consistent profitability, targeted organic growth, and opportunistic M&A Scarcity value as one of the few publicly traded New England financial institutions Profitabilit
Slide 6: Bar Harbor Bankshares Operating Philosophy
Bar Harbor Bankshares Operating Philosophy 6 We set out to build a balanced Bank that is not overly reliant on any one business, with a strong risk-focused culture, and a judicious approach to capital management through all market conditions. Growing market share as high-touch, solutions-based servi
Slide 7: A Proven Senior Executive Team
A Proven Senior Executive Team Curtis C. Simard • Joined as President & CEO of Bar Harbor Bank & Trust in June of 2013 • Served as Managing Director of Corporate Banking for TD Bank • Over 30+ years of industry experience SVP, Chief Human Resources Officer Alison DiPaola • Joined in June 2013 • Exte
Slide 8: Scarcity Value in High-Quality Markets
Scarcity Value in High-Quality Markets Community Bank Deposit Market Share by State¹ Attractive Markets of Operation² Deposits Market Rank Company Branches ($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
Slide 9: Q2 2026 Financial Highlights
Q2 2026 Financial Highlights 9 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 commercia
Slide 10: Loans – Focus on Profitability
Loans – Focus on Profitability 10 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% 4% 3% 3%
Slide 11: Asset Quality
Asset Quality 11 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-P
Slide 12: Strong Credit-Oriented Culture Supporting Our Growth
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 totale
Slide 13: Deposits – Consistent Funding Source
Deposits – Consistent Funding Source 13 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 dem
Slide 14: Diversification of Non-Interest Income
Diversification of Non-Interest Income 14 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
Slide 15: Continued Commitment to Strong Capital
$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 t
Slide 16: Fostering Sustainable Communities
Fostering Sustainable Communities 16 Note: Information as of December 31, 2025
Slide 17: Confirmation of our Durability
Confirmation of our Durability 17
Slide 18: Investor Relations Contact Information
Investor Relations Contact Information 18 Facebook @BHBTsocial LinkedIn 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
Slide 19: Appendix
4m BAR HARBOR BANKSHARES Appendix 4am. 4mm 4o~m. BAR HARBOR BAR HARBOR BAR HARBOR BANK & » WEALTH MANAGEMENT FINANCIAL SERVICES
Slide 20: Enhancing our New Hampshire Franchise
20 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,
Slide 21: Interest Rate Sensitivity Position
Interest Rate Sensitivity Position 21 • 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 sensiti
Slide 22: Non-GAAP to GAAP Reconciliations
Non-GAAP to GAAP Reconciliations 22 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 esta
Slide 23: Non-GAAP to GAAP Reconciliations (continued)
23 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/to
Bar Harbor Bankshares — Q2 2026 Earnings Presentation on 6ix