Exhibit 99.1

Bar Harbor Bankshares Reports Third Quarter 2026 Results; Declares Dividend

BAR HARBOR, MAINE – October 22, 2026 - Bar Harbor Bankshares (NYSE American: BHB) (the “Company”) reported third quarter 2026 GAAP net income of $16.1 million, or $0.96 per diluted share, and core earnings (Non-GAAP) of $17.5 million, or $1.04 per diluted share, compared to GAAP net income of $15.2 million, or $0.91 per diluted share, and core earnings (Non-GAAP) of $15.4 million, or $0.92 per diluted share, in the second quarter of 2026.

THIRD QUARTER 2026 HIGHLIGHTS (all comparisons to second quarter 2026, unless otherwise noted)

•

Net interest margin of 3.77%, compared to 3.61%

•

1.35% return on assets; 1.47% core return on assets (Non-GAAP)

•

11.69% return on equity; 12.70% core return on equity (Non-GAAP)

•

55.26% efficiency ratio (Non-GAAP), compared to 55.76%

Bar Harbor Bankshares’ President and Chief Executive Officer, Curtis C. Simard, stated, “We are pleased to announce another strong quarter of financial results. Our success reflects our commitment to performance metrics in all our core businesses, centered in exceptional service and targeted calling. Our Retail teams opened more than 1,600 new customer accounts during the quarter, demonstrating this calling culture and the effectiveness of our execution-focused approach to banking. Total deposits grew 9% on an annualized basis contributing to a lower overall cost of funds, reduced reliance on wholesale borrowings and increased profitability. Wealth management continues to be a significant contributor and meaningful part of our organization. This has never been more true as we are adding seasoned recruits to our commercial and industrial lending team who, in addition to building a robust pipeline, possess the trusted status with customers for a natural wealth referral. Our consistent financial performance reflects the disciplined execution of our strategy, the dedication of our employees and our unwavering focus on long-term shareholder value.”

DIVIDEND DECLARED

The Board of Directors of the Company voted to declare a cash dividend of $0.34 per share to shareholders of record at the close of business on November 19, 2026, payable on December 18, 2026. The dividend equates to a 3.52% annualized yield based on the $38.69 closing share price of the Company’s common stock on September 30, 2026, the last trading day of the third quarter 2026.

FINANCIAL CONDITION (Quarter results for September 30, 2026 compared to June 30, 2026)

Total assets decreased slightly to $4.7 billion at the end of the third quarter 2026. The decrease of less than 1% was primarily due to lower cash balances and a decrease in available-for-sale debt securities.

Total cash and cash equivalents were $74.8 million at the end of the third quarter 2026, compared to $104.4 million at the end of the second quarter 2026. Interest-earning deposits with other banks decreased to $37.8 million at the end of the third quarter 2026, compared to $58.1 million at the end of the second quarter 2026. The decrease in cash and cash equivalents is primarily driven by paydowns of wholesale funds.

Available-for-sale debt securities were $581.3 million compared to $601.8 million at the end of the second quarter 2026. Portfolio unrealized losses were $72.9 million at quarter-end compared to $45.0 million at the end of the second quarter 2026, the increase was driven by the current interest rate environment. During the quarter there were purchases of $31.3 million, paydowns and calls of $22.8 million and net accretion of $420 thousand. The quarter-to-date weighted average yield of the securities portfolio was 4.10% compared to 4.06% at the end of the second quarter 2026. As of the third quarter 2026 and the second quarter 2026, our securities portfolio had an average life of 8.0 years and 7.2 years respectively, with an effective duration of 5.5 years and 5.2 years, respectively. At the end of the third quarter 2026, all securities remain classified as available for sale.

Federal Home Loan Bank stock decreased $5.5 million to $8.0 million at the end of the third quarter 2026 compared to $13.4 million at the end of the second quarter 2026, primarily driven by the decrease in wholesale borrowings.

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Total loans were remained steady at $3.6 billion in the third quarter 2026 as well as the second quarter 2026. Commercial real estate loans increased $21.9 million driven by $55.1 million in originations during the quarter, partially offset by $33.7 million in payoffs during the quarter. Commercial and industrial loans decreased $21.6 million and included $36.0 million in payoffs offset in part by $12.3 million of originations during the quarter. Residential real estate loans decreased $9.6 million during the quarter due to $31.0 million in payoffs and $2.9 million in paydowns, partially offset by $18.5 million in originations. Loans held for sale were $10.7 million in the third quarter 2026 compared to $10.2 million in the second quarter 2026 as we originated $36.8 million in loans held for sale and sold $35.5 million in loans during the quarter.

The allowance for credit losses (“ACL”) on loans was $31.8 million at the end of the third quarter 2026, compared to $32.2 million at the end of the second quarter 2026. Charge-offs were minimal with a net charge-off to average loans ratio of 0.03% for the third quarter 2026.

Premises and equipment were $61.4 million at the end of the third quarter 2026 compared to $61.2 million at the end of the second quarter 2026 due to renovation projects. Other real estate owned decreased $1.0 million in the third quarter 2026 to $7.1 million due to the further write-down of one commercial property.

Total deposits increased $84.0 million to $3.9 billion at the end of the third quarter 2026. The increase was driven by a $107.2 million increase in interest-bearing demand deposits and a $24.6 million increase in non-interest-bearing demand deposits in the third quarter 2026. Savings deposits increased $7.6 million in the third quarter 2026 and money market deposits increased $7.4 million in the third quarter 2026. Growth in non-maturity deposits included $31.7 million in new customer deposits. Time deposits decreased $62.8 million driven primarily by a $59.0 million reduction in brokered deposits.

Total borrowings decreased $123.7 million in the third quarter 2026 to $157.4 million compared to $281.2 million in the second quarter 2026. The decrease was driven by paydowns of wholesale borrowings from loan payoffs as well as a $20.0 million subordinated debt redemption.

The Company's book value per share was $31.95 at the end of the third quarter 2026 compared to $32.80 at the end of the second quarter 2026. Tangible book value per share (Non-GAAP) was $22.61 at the end of the third quarter 2026, compared to $23.43 at the end of the second quarter 2026.

RESULTS OF OPERATIONS (Quarter results for September 30, 2026 compared to September 30, 2025)

The net interest margin was 3.77% in the third quarter 2026 compared to 3.56% in the same quarter 2025. As loan balances grew year-over-year the yield on loans expanded 4 basis points to 5.64% compared to 5.60% in the same period of 2025. Interest-bearing deposit costs decreased year-over-year to 1.87% compared to 2.12% in the same period of 2025.

Total interest and dividend income increased by 4% or $2.5 million to $58.4 million in the third quarter 2026 compared to $55.9 million in the third quarter 2025. Yields on earning assets grew to 5.39% in the third quarter 2026 compared to 5.36% in the third quarter 2025. The yield on available-for-sale debt securities decreased to 4.10% in the third quarter 2026 compared to 4.14% in the same period of 2025. The loan yield grew to 5.64% in the third quarter 2026 compared to 5.60% in the same period of 2025 driven by residential loan yield expansion to 4.81% for the third quarter 2026 from 4.42% in the third quarter of 2025. Total loan yield growth was partially offset by a decrease in the commercial and industrial yield to 6.11% for the third quarter 2026 from 6.45% in the third quarter 2025 driven by payoffs.

Total interest expense decreased $1.3 million in the third quarter 2026 compared to the third quarter 2025. Deposit costs were down $1.3 million year-over-year as the cost of interest-bearing deposits decreased to 1.87% in the third quarter 2026 from 2.12% in the same period of 2025. Borrowing costs increased $34 thousand, or 1.3% year-over-year.

The provision for credit losses on loans in the third quarter 2026 was a recapture of $167 thousand compared to a $3.7 million provision in the same period of 2025. The recapture was primarily due to the full payoff of a PCD relationship that previously carried significant reserves. Net charge-offs remained low at $303 thousand in the third quarter of 2026 compared to $316 thousand in the third quarter of 2025. The allowance for credit losses to total loans coverage ratio for the third quarter 2026 remains adequately reserved and was 0.88% compared to 0.95% in the third quarter of 2025.

Non-interest income was $10.8 million in the third quarter 2026 compared to $10.6 million in the same quarter 2025. Trust and investment management fee income increased $283 thousand or 7% to $4.2 million in the third quarter 2026 compared to $3.9 million in the third quarter 2025 as assets under management grew 2.4% over the same periods. Customer service fees increased $255 thousand or 6% during the quarter to $4.6 million compared to $4.3 million in the third quarter 2025. Mortgage banking income increased to $766 thousand in the third quarter of 2026 compared to $423 thousand in the third quarter 2025 driven by higher gains due to the interest rate

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environment. The increases were offset in part by customer derivative income decreasing to $484 thousand from $962 thousand in the third quarter 2025 due to lower customer swap volume.

Non-interest expenses decreased $1.4 million to $31.4 million in the third quarter 2026 compared to $32.7 million in the third quarter 2025. The decrease was due to acquisition expenses in the prior year. Salaries and employee benefit costs increased 3% to $16.4 million in the third quarter 2026 compared to $15.9 million in the third quarter 2025 driven by cost-of-living adjustments and increased full-time equivalents year-over-year. Occupancy and equipment increased $319 thousand driven primarily by higher operating costs due to the Woodsville acquisition. Amortization of intangible assets increased $116 thousand, reflecting incremental amortization associated with the Woodsville acquisition. Other expenses increased $1.2 million for the third quarter 2026 compared to the third quarter 2025 primarily due the aforementioned $1.0 million write-down on other real estate owned.

Income tax expense was $4.3 million for the third quarter 2026 compared to $2.2 million for the third quarter of 2025. Our GAAP effective tax rate for the third quarter 2026 was 21.0% compared to 19.8% in the third quarter 2025.

BACKGROUND

Bar Harbor Bankshares (NYSE American: BHB) is the parent company of its wholly-owned subsidiary, Bar Harbor Bank & Trust. Founded in 1887, Bar Harbor Bank & Trust is a true community bank serving the financial needs of its clients for over 135 years. Bar Harbor Bank & Trust provides full-service community banking with office locations in all three Northern New England states of Maine, New Hampshire and Vermont. For more information, visit www.barharbor.bank.

FORWARD-LOOKING STATEMENTS

All statements, other than statements of historical fact, included in this release that address activities, events, or developments that the Company expects, believes, or anticipates will or may occur in the future are “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 made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. When used in this release 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 relating to Company’s balance sheet management, our credit trends, our overall credit performance, and the Company’s strategic 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) changes in interest rates and the cost of deposits; (2) changes in general business and economic conditions on a national basis and in our markets throughout Northern New England; (3) changes in consumer behavior due to political, business, and economic conditions, including ongoing armed conflicts, inflation, future United States government shutdowns, and concerns about liquidity; (4) the possibility that our asset quality could decline or that we experience greater loan losses than anticipated; (5) the impact of liquidity needs on our results of operations and financial condition; (6) changes in the size and nature of our competition; (7) unanticipated weakness in loan demand, pricing, or collectability; (8) the possibility that future credit losses are higher than currently expected due to changes in economic assumptions or adverse economic developments; (9) operational risks including, but not limited to, changes in information technology, cybersecurity incidents, fraud, natural disasters, climate change, war, terrorism, civil unrest, and future pandemics; (10) lack of strategic growth opportunities or our failure to execute on available opportunities, (11) our ability to effectively manage problem credits; (12) our ability to successfully develop new products and implement efficiency initiatives on time and with the results projected; (13) our ability to retain executive officers and key employees and their customer and community relationships; (14) regulatory, litigation, and reputational risks and the applicability of insurance coverage; (15) changes in the reliability of our vendors, internal control systems, or information systems; (16) changes in legislation or regulation and accounting principles, policies, and guidelines; (17) reductions in the market value or outflows of wealth management assets under management; (18) the impacts of tariffs, sanctions, and other trade policies of the United States and its global trading counterparts; and (19) changes in the assumptions used in making such forward-looking statements. Additional factors which could affect the forward-looking statements can be found in the Company’s annual report on Form 10-K, 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. The Company believes the forward-looking statements contained herein are reasonable; however, many of such risks, uncertainties, and other factors are beyond the Company’s ability to control or predict and undue reliance should not be placed on any forward-looking statements, which are based on current expectations and speak only as of the date that they are made. Therefore, the Company can give no assurance that its future results will be as estimated. The Company does not intend to, and disclaims any obligation to, update or revise any forward-looking statement.

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NON-GAAP FINANCIAL MEASURES

This document 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.

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CONTACTS

Josephine Iannelli; EVP, Chief Financial Officer & Treasurer; (207) 288-3314


TABLE
INDEX	CONSOLIDATED FINANCIAL SCHEDULES (UNAUDITED)


A	Selected Financial Highlights
B	Balance Sheets
C	Loan and Deposit Analysis
D	Statements of Income
E	Statements of Income (Five Quarter Trend)
F	Average Yields and Costs
G	Average Balances
H	Asset Quality Analysis
I-J	Reconciliation of Non-GAAP Financial Measures (Five Quarter Trend) and Supplementary Data

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BAR HARBOR BANKSHARES

SELECTED FINANCIAL HIGHLIGHTS - UNAUDITED


		At or for the Quarters Ended
		Sep 30,				Jun 30,			Mar 31,			Dec 31,			Sept 30,
		2026				2026			2026			2025			2025
PER SHARE DATA
Net earnings, diluted		$	0.96		$	0.91		$	0.81		$	0.70		$	0.54
Core earnings, diluted ⁽¹⁾			1.04			0.92			0.88			0.93			0.95
Total book value			31.95			32.80			32.13			31.88			31.22
Tangible book value ⁽¹⁾			22.61			23.43			22.71			22.41			21.70
Market price at period end			38.69			37.76			32.45			31.05			30.46
Dividends			0.34			0.34			0.32			0.32			0.32

PERFORMANCE RATIOS ⁽²⁾
Return on assets			1.35	%		1.31	%		1.18	%		1.00	%		0.78	%
Core return on assets ⁽¹⁾			1.47			1.33			1.28			1.32			1.35
Pre-tax, pre-provision return on assets⁽¹⁾			1.69			1.76			1.52			1.29			1.30
Core pre-tax, pre-provision return on assets⁽¹⁾			1.85			1.79			1.65			1.71			1.71
Return on equity			11.69			11.16			10.13			8.76			6.99
Core return on equity ⁽¹⁾			12.70			11.30			11.03			11.55			12.16
Return on tangible equity⁽¹⁾			16.84			16.11			14.77			12.94			10.07
Core return on tangible equity ⁽¹⁾			18.27			16.31			16.03			16.91			17.23
Net interest margin, fully taxable equivalent ^{(1) (3)}			3.77			3.61			3.54			3.62			3.56
Efficiency ratio ⁽¹⁾			55.26			55.76			56.92			57.24			56.70

FINANCIAL DATA (In millions)
Total assets		$	4,704		$	4,743		$	4,676		$	4,684		$	4,717
Total earning assets ⁽⁴⁾			4,324			4,343			4,297			4,297			4,336
Total available-for-sale debt securities			581			602			598			597			598
Total loans			3,614			3,614			3,585			3,606			3,584
Allowance for credit losses			32			32			34			34			34
Total goodwill and intangible assets			156			157			158			158			159
Total deposits			3,938			3,854			3,868			3,821			3,948
Total shareholders' equity			536			550			538			533			521
Net income			16			15			14			12			9
Core earnings⁽¹⁾			17			15			15			16			15

ASSET QUALITY AND CONDITION RATIOS
Net charge-offs (recoveries)⁽⁵⁾/average loans			0.03	%		0.37	%		—	%		0.03	%		0.04	%
Allowance for credit losses on loans/total loans			0.88			0.89			0.96			0.94			0.95
Loans/deposits			92			94			93			94			91
Shareholders' equity to total assets			11.39			11.59			11.50			11.37			11.04
Tangible shareholders' equity to tangible assets			8.34			8.56			8.42			8.27			7.94

(1)	Non-GAAP financial measure. Refer to the Reconciliation of Non-GAAP Financial Measures in tables I-J for additional information.

(2)	All performance ratios are based on average balance sheet amounts, where applicable.

(3)	Fully taxable equivalent considers the impact of tax-advantaged investment securities and loans.

(4)	Earning assets includes non-accruing loans and interest-bearing deposits with other banks. Securities are valued at amortized cost.

(5)	Current quarter annualized.

BAR HARBOR BANKSHARES

CONSOLIDATED BALANCE SHEETS - UNAUDITED


		Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sept 30,
(in thousands)		2026			2026			2026			2025			2025
Assets
Cash and due from banks		$	37,039		$	46,270		$	35,595		$	44,947		$	42,743
Interest-earning deposits with other banks			37,778			58,118			46,620			35,890			93,971
Total cash and cash equivalents			74,817			104,388			82,215			80,837			136,714

Available-for-sale debt securities			581,297			601,772			597,977			597,424			597,810

Federal Home Loan Bank stock			7,968			13,423			9,567			11,308			8,560

Loans held for sale			10,740			10,203			11,534			5,283			5,545

Total loans			3,613,632			3,614,180			3,585,248			3,605,859			3,583,716
Less: Allowance for credit losses on loans			(31,761)			(32,231)			(34,315)			(34,052)			(33,940)
Net loans			3,581,871			3,581,949			3,550,933			3,571,807			3,549,776

Premises and equipment, net			61,407			61,170			58,914			58,188			58,828
Other real estate owned			7,146			8,170			—			—			—
Goodwill			141,819			141,819			141,819			141,819			141,819
Other intangible assets			14,659			15,242			15,824			16,407			16,989
Cash surrender value of bank-owned life insurance			89,420			88,728			89,817			96,250			95,554
Deferred tax asset, net			36,892			28,859			30,298			29,926			31,721
Other assets			95,828			86,779			87,330			74,642			73,936
Total assets		$	4,703,864		$	4,742,502		$	4,676,228		$	4,683,891		$	4,717,252

Liabilities and shareholders' equity
Non-interest bearing demand		$	702,668		$	678,081		$	651,282		$	670,786		$	692,780
Interest-bearing demand			1,248,282			1,141,043			1,152,888			1,137,730			1,137,362
Savings			642,937			635,316			649,302			635,329			647,428
Money market			489,193			481,815			493,432			464,843			488,633
Time			854,869			917,694			920,811			912,594			981,993
Total deposits			3,937,949			3,853,949			3,867,715			3,821,282			3,948,196

Senior borrowings			123,798			227,541			162,297			216,818			139,956
Subordinated borrowings			33,620			53,620			53,420			52,825			52,229
Total borrowings			157,418			281,161			215,717			269,643			192,185

Other liabilities			72,888			57,840			54,859			60,425			55,916
Total liabilities			4,168,255			4,192,950			4,138,291			4,151,350			4,196,297

Total shareholders’ equity			535,609			549,552			537,937			532,541			520,955
Total liabilities and shareholders’ equity		$	4,703,864		$	4,742,502		$	4,676,228		$	4,683,891		$	4,717,252

Net shares outstanding			16,766			16,754			16,742			16,702			16,689

BAR HARBOR BANKSHARES

CONSOLIDATED LOAN & DEPOSIT ANALYSIS - UNAUDITED

LOAN ANALYSIS


															Annualized
															Growth %
		Sep 30,		Jun 30,			Mar 31,		Dec 31,			Sept 30,			Quarter		Year
(in thousands)		2026		2026			2026		2025			2025			to Date		to Date
Commercial real estate		$	2,010,609	$	1,988,695		$	1,968,403	$	1,998,603		$	1,942,659		4		1	%
Commercial and industrial			411,766		433,371			417,657		393,851			405,759		(20)		6
Total commercial loans			2,422,375		2,422,066			2,386,060		2,392,454			2,348,418		—		2

Residential real estate			973,648		983,274			993,636		1,001,769			1,025,266		(4)		(4)
Consumer			135,243		132,570			127,681		128,029			126,345		8		8
Tax exempt and other			82,366		76,270			77,871		83,607			83,687		32		(2)
Total loans		$	3,613,632	$	3,614,180		$	3,585,248	$	3,605,859		$	3,583,716		—	%	—	%

DEPOSIT ANALYSIS


															Annualized
															Growth %
		Sep 30,		Jun 30,			Mar 31,		Dec 31,			Sept 30,			Quarter		Year
(in thousands)		2026		2026			2026		2025			2025			to Date		to Date
Non-interest bearing demand		$	702,668	$	678,081		$	651,282	$	670,786		$	692,780		15	%	6	%
Interest-bearing demand			1,248,282		1,141,043			1,152,888		1,137,730			1,137,362		38		13
Savings			642,937		635,316			649,302		635,329			647,428		5		2
Money market			489,193		481,815			493,432		464,843			488,633		6		7
Total non-maturity deposits			3,083,080		2,936,255			2,946,904		2,908,688			2,966,203		20		8
Time			854,869		917,694			920,811		912,594			981,993		(27)		(8)
Total deposits		$	3,937,949	$	3,853,949		$	3,867,715	$	3,821,282		$	3,948,196		9	%	4	%

BAR HARBOR BANKSHARES

CONSOLIDATED STATEMENTS OF INCOME – UNAUDITED


		Three Months Ended						Nine Months Ended
		September 30,						September 30,
(in thousands, except per share data)		2026			2025			2026			2025
Interest and dividend income
Loans		$	51,111		$	48,426		$	148,920		$	132,956
Securities and other			6,527			6,355			19,050			17,112
Federal Home Loan Bank stock			193			217			531			566
Interest-earning deposits with other banks			561			924			1,047			1,514
Total interest and dividend income			58,392			55,922			169,548			152,148
Interest expense
Deposits			15,103			16,419			44,630			47,442
Borrowings			2,578			2,544			9,416			8,845
Total interest expense			17,681			18,963			54,046			56,287
Net interest income			40,711			36,959			115,502			95,861
Provision for credit losses on available-for-sale debt securities			—			—			—			636
Provision (benefit) for credit losses on loans			(167)			3,749			1,388			4,220
Net interest income after provision for credit losses			40,878			33,210			114,114			91,005
Non-interest income
Trust and investment management fee income			4,186			3,903			12,878			12,082
Customer service fees			4,566			4,311			13,383			11,425
(Loss) gain on available-for-sale debt securities, net			69			41			(964)			(4,901)
Mortgage banking income			766			423			2,189			1,484
Bank-owned life insurance income			693			665			4,097			1,881
Customer derivative income			484			962			889			1,278
Other income			83			262			521			882
Total non-interest income			10,847			10,567			32,993			24,131
Non-interest expense
Salaries and employee benefits			16,393			15,939			48,999			43,946
Occupancy and equipment			4,198			3,879			12,526			10,750
Depreciation			1,194			1,078			3,416			3,150
Loss (gain) on premises and equipment, net			47			(206)			181			(113)
Outside services			762			514			1,754			1,453
Professional services			503			296			1,240			1,402
Communication			207			246			666			606
Marketing			705			655			1,880			1,855
Amortization of intangible assets			582			466			1,746			932
FDIC assessment			528			462			1,642			1,382
Acquisition, conversion and other expenses			610			4,978			2,029			6,422
Provision for unfunded commitments			180			145			(696)			71
Other expenses			5,458			4,287			14,993			12,072
Total non-interest expense			31,367			32,739			90,376			83,928
Income before income taxes			20,358			11,038			56,731			31,208
Income tax expense			4,269			2,183			11,884			6,050
Net income		$	16,089		$	8,855		$	44,847		$	25,158
Earnings per share:
Basic		$	0.96		$	0.55		$	2.68		$	1.61
Diluted			0.96			0.54			2.67			1.60
Weighted average shares outstanding:
Basic			16,765			16,231			16,748			15,622
Diluted			16,828			16,284			16,814			15,685

BAR HARBOR BANKSHARES

CONSOLIDATED STATEMENTS OF INCOME (5 Quarter Trend) - UNAUDITED


		Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sept 30,
(in thousands, except per share data)		2026			2026			2026			2025			2025
Interest and dividend income
Loans		$	51,111		$	49,151		$	48,658		$	50,164		$	48,426
Securities and other			6,527			6,319			6,204			6,327			6,355
Federal Home Loan Bank stock			193			183			155			235			217
Interest-earning deposits with other banks			561			253			233			645			924
Total interest and dividend income			58,392			55,906			55,250			57,371			55,922
Interest expense
Deposits			15,103			14,638			14,889			16,083			16,419
Borrowings			2,578			3,349			3,489			2,671			2,544
Total interest expense			17,681			17,987			18,378			18,754			18,963
Net interest income			40,711			37,919			36,872			38,617			36,959
Provision for credit losses on available-for-sale debt securities			—			—			—			—			—
Provision (benefit) for credit losses on loans			(167)			1,250			305			416			3,749
Net interest income after provision for credit losses			40,878			36,669			36,567			38,201			33,210
Non-interest income
Trust and investment management fee income			4,186			4,577			4,115			3,984			3,903
Customer service fees			4,566			4,715			4,102			4,528			4,311
(Loss) gain on available-for-sale debt securities, net			69			(25)			(1,008)			(428)			41
Mortgage banking income			766			741			682			485			423
Bank-owned life insurance income			693			1,417			1,987			695			665
Customer derivative income			484			76			329			735			962
Other income			83			231			207			326			262
Total non-interest income			10,847			11,732			10,414			10,325			10,567
Non-interest expense
Salaries and employee benefits			16,393			16,833			15,773			16,588			15,939
Occupancy and equipment			4,198			4,292			4,036			3,780			3,879
Depreciation			1,194			1,088			1,134			1,153			1,078
Loss (gain) on premises and equipment, net			47			—			134			370			(206)
Outside services			762			528			464			564			514
Professional services			503			388			349			407			296
Communication			207			211			248			271			246
Marketing			705			570			605			181			655
Amortization of intangible assets			582			582			582			582			466
FDIC assessment			528			537			577			539			462
Acquisition, conversion and other expenses			610			(36)			1,455			4,170			4,978
Provision for unfunded commitments			180			(650)			(226)			725			145
Other expenses			5,458			4,839			4,696			4,469			4,287
Total non-interest expense			31,367			29,182			29,827			33,799			32,739
Income before income taxes			20,358			19,219			17,154			14,727			11,038
Income tax expense			4,269			3,998			3,617			2,966			2,183
Net income		$	16,089		$	15,221		$	13,537		$	11,761		$	8,855
Earnings per share:
Basic		$	0.96		$	0.91		$	0.81		$	0.70		$	0.55
Diluted			0.96			0.91			0.81			0.70			0.54
Weighted average shares outstanding:
Basic			16,765			16,751			16,728			16,696			16,231
Diluted			16,828			16,808			16,804			16,757			16,284

BAR HARBOR BANKSHARES

AVERAGE YIELDS AND COSTS (Fully Taxable Equivalent (Non-GAAP) - Annualized) - UNAUDITED


		Quarters Ended
		Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sept 30,
		2026		2026		2026		2025		2025
Earning assets
Interest-earning deposits with other banks		3.82	%	3.92	%	3.90	%	4.53	%	4.49	%
Available-for-sale debt securities		4.10		4.06		4.05		4.03		4.14
Federal Home Loan Bank stock		7.96		6.33		5.68		10.72		7.71
Loans:
Commercial real estate		5.82		5.72		5.68		5.74		5.88
Commercial and industrial		6.11		6.17		6.13		6.34		6.45
Residential real estate		4.81		4.62		4.64		4.75		4.42
Consumer		7.28		7.05		6.90		7.27		7.23
Total loans		5.64		5.52		5.50		5.59		5.60
Total earning assets		5.39	%	5.29	%	5.27	%	5.36	%	5.36	%

Funding liabilities
Deposits:
Interest-bearing demand		1.36	%	1.32	%	1.30	%	1.39	%	1.42	%
Savings		0.52		0.50		0.56		0.54		0.64
Money market		2.37		2.33		2.28		2.43		2.59
Time		3.27		3.32		3.41		3.53		3.64
Total interest-bearing deposits		1.87		1.88		1.91		2.01		2.12
Borrowings		4.98		5.05		5.62		5.43		4.04
Total interest-bearing liabilities		2.05	%	2.13	%	2.19	%	2.20	%	2.27	%

Net interest spread		3.34		3.16		3.08		3.16		3.09
Net interest margin, fully taxable equivalent⁽¹⁾		3.77		3.61		3.54		3.62		3.56

(1)	Non-GAAP financial measure. Refer to the Reconciliation of Non-GAAP Financial Measures in tables I-J for additional information.

BAR HARBOR BANKSHARES

AVERAGE BALANCES - UNAUDITED


	Quarters Ended
	Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sept 30,
(in thousands)	2026		2026		2026		2025		2025
Assets
Interest-earning deposits with other banks⁽¹⁾	$	58,265	$	25,896	$	24,230	$	56,502	$	81,709
Available-for-sale debt securities ⁽²⁾		654,636		647,755		643,647		644,929		631,572
Federal Home Loan Bank stock		9,619		11,592		11,062		8,696		11,168
Loans:
Commercial real estate		1,990,307		1,975,080		2,001,851		1,954,841		1,887,267
Commercial and industrial		504,422		492,195		486,295		480,529		483,380
Residential real estate		991,993		993,933		998,862		1,021,309		963,311
Consumer		133,538		130,890		127,693		126,953		120,941
Total loans ⁽³⁾		3,620,260		3,592,098		3,614,701		3,583,632		3,454,899
Total earning assets		4,342,780		4,277,341		4,293,640		4,293,759		4,179,348
Cash and due from banks		39,817		37,089		36,278		40,291		38,709
Allowance for credit losses		(32,194)		(33,242)		(34,195)		(33,905)		(31,246)
Goodwill and other intangible assets		156,762		157,345		157,921		158,507		139,822
Other assets		223,750		215,460		215,852		211,317		191,446
Total assets	$	4,730,915	$	4,653,993	$	4,669,496	$	4,669,969	$	4,518,079

Liabilities and shareholders' equity
Deposits:
Interest-bearing demand	$	1,215,024	$	1,119,195	$	1,121,021	$	1,127,456	$	1,059,214
Savings		640,517		640,852		642,717		640,577		617,314
Money market		473,298		463,296		469,496		473,574		432,952
Time		883,465		902,363		922,180		939,353		961,054
Total interest-bearing deposits		3,212,304		3,125,706		3,155,414		3,180,960		3,070,534
Borrowings		205,558		265,929		251,985		195,139		250,110
Total interest-bearing liabilities		3,417,862		3,391,635		3,407,399		3,376,099		3,320,644
Non-interest bearing demand deposits		696,843		657,470		659,506		705,245		647,981
Other liabilities		70,114		57,702		60,814		56,025		46,962
Total liabilities		4,184,819		4,106,807		4,127,719		4,137,369		4,015,587
Total shareholders' equity		546,096		547,186		541,777		532,600		502,492
Total liabilities and shareholders' equity	$	4,730,915	$	4,653,993	$	4,669,496	$	4,669,969	$	4,518,079

(1)	Total average interest-bearing deposits with other banks is net of Federal Reserve daily cash letter.

(2)	Average balances for available-for-sale debt securities are based on amortized cost.

(3)	Total average loans include non-accruing loans and loans held for sale.

BAR HARBOR BANKSHARES

ASSET QUALITY ANALYSIS - UNAUDITED


		At or for the Quarters Ended
		Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sept 30,
(in thousands)		2026			2026			2026			2025			2025
NON-PERFORMING ASSETS
Non-accruing loans:
Commercial real estate		$	1,034		$	902		$	12,620		$	1,497		$	697
Commercial and industrial			817			1,003			1,139			1,113			1,221
Residential real estate			8,266			8,314			8,206			7,719			6,541
Consumer			1,114			1,199			1,176			1,265			1,051
Total non-accruing loans			11,231			11,418			23,141			11,594			9,510
Non-performing available-for-sale debt securities			1,329			1,329			1,329			2,203			2,203
Other real estate owned			7,146			8,170			—			—			—
Total non-performing assets		$	19,706		$	20,917		$	24,470		$	13,797		$	11,713

Total non-accruing loans/total loans			0.31	%		0.32	%		0.65	%		0.32	%		0.27	%
Total non-performing assets/total assets			0.42			0.44			0.52			0.29			0.25

PROVISION AND ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period		$	32,231		$	34,315		$	34,052		$	33,940		$	28,885
Charged-off loans			(315)			(3,463)			(97)			(318)			(353)
Recoveries on charged-off loans			12			57			55			14			37
Net loans (charged-off) recovered			(303)			(3,406)			(42)			(304)			(316)
ACL established on PCD loans			—			—			—			—			1,622
ACL established on purchased seasoned loans			—			72			—			—			—
Provision (benefit) for credit losses on loans			(167)			1,250			305			416			3,749
Balance at end of period		$	31,761		$	32,231		$	34,315		$	34,052		$	33,940

Allowance for credit losses/total loans			0.88	%		0.89	%		0.96	%		0.94	%		0.95	%
Allowance for credit losses/non-accruing loans			283			282			148			294			357

NET LOAN (CHARGE-OFFS) RECOVERIES
Commercial real estate		$	(239)		$	(3,283)		$	—		$	—		$	(224)
Commercial and industrial			3			(15)			35			(256)			18
Residential real estate			(70)			(21)			8			8			(112)
Consumer			3			(87)			(85)			(56)			2
Total, net		$	(303)		$	(3,406)		$	(42)		$	(304)		$	(316)

Net charge-offs (recoveries) (QTD annualized)/average loans			0.03	%		0.37	%		—	%		0.03	%		0.04	%
Net charge-offs (recoveries) (YTD annualized)/average loans			0.14			0.19			—			0.03			0.02

PROVISION AND ALLOWANCE FOR CREDIT LOSSES ON AVAILABLE-FOR-SALE DEBT SECURITIES
Balance at beginning of period		$	—		$	—		$	—		$	—		$	—
Charged-off interest receivable on available-for-sale debt securities			—			—			—			—			—
Provision for credit losses on available-for-sale debt securities			—			—			—			—			—
Charged-off previously provisioned allowance for credit loss			—			—			—			—			—
Balance at end of period		$	—		$	—		$	—		$	—		$	—

BAR HARBOR BANKSHARES

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA – UNAUDITED


			At or for the Quarters Ended
			Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sept 30,
(in thousands)			2026			2026			2026			2025			2025
Net income	(R)		$	16,089		$	15,221		$	13,537		$	11,761		$	8,855
Non-core items:
Loss (gain) on available-for-sale debt securities, net				(69)			25			—			428			(41)
Loss (gain) on premises and equipment, net				47			—			134			370			(206)
(Gain) loss and other expenses on other real estate owned				1,267			273			—			—			—
Provision on non-PCD acquired loans				—			—			—			—			3,954
Acquisition, conversion and other expenses				610			(36)			1,455			4,170			4,978
Income tax expense ⁽¹⁾				(457)			(65)			(392)			(1,225)			(2,141)
Total non-core items⁽²⁾				1,398			197			1,197			3,743			6,544
Core earnings ⁽²⁾	(A)		$	17,487		$	15,418		$	14,734		$	15,504		$	15,399

Net interest income	(B)		$	40,711		$	37,919		$	36,872		$	38,617		$	36,959
Non-interest income				10,847			11,732			10,414			10,325			10,567
Total revenue				51,558			49,651			47,286			48,942			47,526
Loss (gain) on available-for-sale debt securities, net				(69)			25			—			428			(41)
Total core revenue ⁽²⁾	(C)		$	51,489		$	49,676		$	47,286		$	49,370		$	47,485

Total non-interest expense				31,367			29,182			29,827			33,799			32,739
Non-core expenses:
(Loss) gain on premises and equipment, net				(47)			—			(134)			(370)			206
Gain (loss) and other expenses on other real estate owned				(1,267)			(273)			—			—			—
Acquisition, conversion and other expenses				(610)			36			(1,455)			(4,170)			(4,978)
Total non-core expenses ⁽²⁾				(1,924)			(237)			(1,589)			(4,540)			(4,772)
Core non-interest expense ⁽²⁾	(D)		$	29,443		$	28,945		$	28,238		$	29,259		$	27,967

Total revenue				51,558			49,651			47,286			48,942			47,526
Total non-interest expense				31,367			29,182			29,827			33,799			32,739
Pre-tax, pre-provision net revenue⁽²⁾	(S)		$	20,191		$	20,469		$	17,459		$	15,143		$	14,787

Core revenue⁽²⁾				51,489			49,676			47,286			49,370			47,485
Core non-interest expense⁽²⁾				29,443			28,945			28,238			29,259			27,967
Core pre-tax, pre-provision net revenue⁽²⁾	(U)		$	22,046		$	20,731		$	19,048		$	20,111		$	19,518

(in millions)
Average earning assets	(E)		$	4,343		$	4,277		$	4,294		$	4,294		$	4,179
Average assets	(F)			4,731			4,654			4,669			4,670			4,518
Average shareholders' equity	(G)			546			547			542			533			502
Average tangible shareholders' equity ^{(2) (3)}	(H)			389			390			384			374			360
Tangible shareholders' equity, period-end ^{(2) (3)}	(I)			379			392			380			374			362
Tangible assets, period-end ^{(2) (3)}	(J)			4,547			4,585			4,519			4,526			4,563

BAR HARBOR BANKSHARES

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA – UNAUDITED


			At or for the Quarters Ended
			Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sept 30,
(in thousands)			2026			2026			2026			2025			2025
Common shares outstanding, period-end	(K)			16,766			16,754			16,742			16,702			16,689
Average diluted shares outstanding	(L)			16,828			16,808			16,804			16,757			16,284

Core earnings per share, diluted ⁽²⁾	(A/L)		$	1.04		$	0.92		$	0.88		$	0.93		$	0.95
Tangible book value per share, period-end ⁽²⁾	(I/K)			22.61			23.43			22.71			22.41			21.70
Tangible shareholders' equity/total tangible assets ⁽²⁾	(I/J)			8.34			8.56			8.42			8.27			7.94

Performance ratios ⁽⁴⁾
GAAP return on assets				1.35	%		1.31	%		1.18	%		1.00	%		0.78	%
Core return on assets ⁽²⁾	(A/F)			1.47			1.33			1.28			1.32			1.35
Pre-tax, pre-provision return on assets⁽²⁾	(S/F)			1.69			1.76			1.52			1.29			1.30
Core pre-tax, pre-provision return on assets⁽²⁾	(U/F)			1.85			1.79			1.65			1.71			1.71
GAAP return on equity				11.69			11.16			10.13			8.76			6.99
Core return on equity ⁽²⁾	(A/G)			12.70			11.30			11.03			11.55			12.16
Return on tangible equity⁽¹⁾ ⁽²⁾	(R+Q)/H			16.84			16.11			14.77			12.94			10.07
Core return on tangible equity ^{(1) (2)}	(A+Q)/H			18.27			16.31			16.03			16.91			17.23
Efficiency ratio ^{(2) (5)}	(D-O-Q)/(C+N)			55.26			55.76			56.92			57.24			56.70
Net interest margin, fully taxable equivalent ⁽²⁾	(B+P)/E			3.77			3.61			3.54			3.62			3.56

Supplementary data (in thousands)
Taxable equivalent adjustment for efficiency ratio	(N)		$	736		$	905		$	1,044		$	766		$	738
Franchise taxes included in non-interest expense	(O)			1			159			146			(22)			158
Tax equivalent adjustment for net interest margin	(P)			565			556			554			595			574
Intangible amortization	(Q)			582			582			582			582			466

(1)	Assumes a marginal tax rate of 24.65% for the first, second and third quarters of 2026 and third and fourth quarters of 2025.

(2)	Non-GAAP financial measure.

(3)	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.

(4)	All performance ratios are based on average balance sheet amounts, where applicable.

(5)	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.