Office Loans Investment and Deposit Portfolio Analysis

National Lending Portfolio by Collateral Type Northeast BANK Collateral Type Direct Originated Lender Finance Purchased Total National Lending Dollars in thousands Balance WA LTV (1) Balance WA LTV (1) Balance WA LTV (2) Balance WA LTV 1-4 Family $29,391 36% $35,777 38% $6,549 30% $71,717 37% Hospitality 112,584 52% 41,700 46% 34,260 47% 188,544 50% Industrial 46,894 55% 45,858 44% 211,353 40% 304,105 43% Land and 5,748 39% 23,560 40% 6,794 47% 36,103 41% Construction Mixed Use 30,934 60% 112,573 52% 132,939 60% 276,446 57% Multi Family 68,694 57% 81,575 43% 528,451 46% 678,720 47% Office 107,176 49% 40,435 43% 180,994 45% 328,605 46% Retail 116,408 55% 32,225 49% 356,950 41% 505,582 44% Small Balance 8,028 24% 48,013 38% 21,828 77% 77,869 48% Commercial Total $525,856 52% $461,715 45% $1,480,119 45% $2,467,691 47% (1) LTV is calculated as the Bank's loan amount to the value of the underlying commercial real estate collateral. (2) Reflects the Bank's basis against the value of the underlying commercial real estate collateral. All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 11

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