Corporate Strategy and Financial Performance

Second Quarter Financial Highlights $5.4 Million 11 * 1.23% 17.55* 3.52% $0.82 Net Income (1) Diluted EPS (1) ROAA (1) ROATCE(1) NIM ■ Total assets stable compared to linked quarter ■ Consolidated net income (1) of $5.4 million in 2Q22 compared to $4.4million in 2Q21 and $5.7 million in linked quarter; pre-provision net revenue of $7.8 million compared to $6.5 million, respectively ■ Net interest income, on a non-GAAP, FTE basis* increased by 9.3% in 2Q22 compared to 2Q21, driven by stable interest income and a 58% decrease in interest expense The ratio of the allowance for loan losses ("ALL") to loans outstanding was 1.28% in 2Q22 compared to 1.29% in linked quarter Efficiency ratio of 57.11% (1); expense savings and efficiencies continue to be primary focus; Bank is poised for upside earnings in a rising interest rate environment 10 (1) See Appendix for a reconciliation of these non-GAAP financial measure 2Q2022 Annualized

View entire presentation