Investor Presentaiton

Net Interest Income & Margin Stable net interest margin (1) HomeStreet Net Interest Income Net Interest Margin NIM excluding PPP loans • Stable funding costs $ Millions $58.0 • Q1 22 includes impact of new Subordinate debt interest $57.5 $57.1 expense (1) excluding PPP loans $54.5 $54.5 42% 34% 3.27% 3.29% 1Q21 2Q21 3Q21 4Q21 1Q22 p. 13

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