Investor Presentaiton

Credit Quality Net Charge-Offs as % of Average Loans 0.08% 0.01% -0.03% 0.03% 0.17% 4Q21 1Q22 2Q22 3Q22 4Q22 Non-Performing Assets as a % of Total Loans ☐ 0.28% 0.29% 0.29% 0.23% 0.24% ކ • 4Q22 net charge-offs of $6.6 million, or 0.17% of average loans, annualized Navitas 4Q22 NCOs of 0.50%, annualized, or $1.7 million Non-performing assets increased $8.8 million during the quarter and were 0.29% of total loans, an increase of 5 bps quarter over quarter and essentially flat year over year Special mention loans improved from $312 million in 3Q22 to $247 million in 4Q22 Higher risk loans, defined as special mention plus substandard accruing, declined slightly quarter over quarter and were down from 4% of loans in 4Q21 to 2.9% of loan in 4Q22 Special Mention & Substandard Accruing Loans as a % of Total Loans 2.6% 2.1% 2.1% 2.0% 1.6% 1.4% 1.3% 1.2% 1.2% 1.1% 4Q21 1Q22 2Q22 3Q22 4Q22 4Q21 1Q22 --Special Mention (%) 2Q22 3Q22 4Q22 Substandard Accruing (%) 17 U UNITED

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