Investor Presentaiton

Non-GAAP Reconciliation (Dollars in thousands) Net Income Less: Provision Expense Less: Tax Expense 9/30/2021 12/31/2021 3/31/2022 For the Three Months Ended 6/30/2022 9/30/2022 12/31/2022 3/31/2023 $ (9,984) $ 6,936 $ 10,103 $ 9,404 $ 7,304 $ 8,898 $ 3,812 (21,713) (658) 449 (941) (1,162) (1,268) (388) 2,648 (1,642) (2,600) (2,459) (1,699) (1,881) (874) Pre-Tax, Pre-Provision Net Income $ 9,081 $ 9,236 $ 12,254 $ 12,804 $ 10,165 $ 12,047 $ 5,074 INVESTAR HOLDING CORPORATION 20

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