Bar Harbor Bankshares (BHB) Investor presentation summary

Business model and strategy

• Community banking, lending and wealth services across Maine, New Hampshire and Vermont, with more than 60 service locations; focus on commercial, retail and wealth management.

• Strategy centers on disciplined risk management, core deposit growth, profitable market-share gains, fee-income diversification and selective investment in technology and operations.

• Guaranty Bancorp acquisition closed July 31, 2025; system conversion finished in early October, adding nine New Hampshire branches and expanding opportunities for cross-selling and fee income.

Q2 and year-to-date 2026 performance

• Q2 ROA was 1.31% and core ROA 1.33%; ROE was 11.16% and core ROE 11.30%.

• Q2 net interest margin was 3.61%, efficiency ratio 56%, annualized loan growth 3% and non-performing assets/total assets 0.44%.

• YTD ROA was 1.24% and core ROA 1.30%; ROE was 10.63% and core ROE 11.13%.

• YTD NIM was 3.57%, efficiency ratio 56%, annualized organic commercial loan growth 6% and NPAs/total assets 0.44%.

• At June 30, 2026, assets were $4.743B, net loans $3.582B, deposits $3.854B and shareholder equity $550M.

Revenue, lending and funding

• Trust and wealth management supplied 39% of Q2 2026 non-interest income; customer service fees 40%, mortgage banking 6%, customer derivative fees 1% and other 14%.

• Commercial loans increased to 69% of the loan portfolio in Q2 2026 from 64% in Q2 2022; residential real estate was 27% and consumer loans 4%.

• Non-maturity deposits were 76% of deposits at Q2 2026, with time deposits at 24%; product mix included interest-bearing demand 30%, time deposits 24%, savings 16%, money market 13% and non-interest-bearing demand 17%.

• Net interest income sensitivity was slightly asset-sensitive; a +100 bps rate shock indicated a 3.1% Year 1 NII increase, while EVE sensitivity was slightly liability-sensitive at -0.8%.