Investor Presentaiton

Demonstrated Conservative Credit Culture Deliberate business transformation, emphasizing underwriting specialization and diversification strategy, has produced sustained superior asset quality with reduced dispersion in realized credit losses 5.25% Annualized Net Charge-Offs (1014 - 4Q22) 3.00% Peer Group 1.20% Maximum of Peers Avg of Peers Minimum of Peers Amount Bank Amount Amount Bank 0.90% Average 38 bps HWC 15 bps < 1 bp WAL Maximum 525 bps HWC 78 bps 13 bps WAL 0.60% 0.30% 0.00% WAL SSB ONB GBCI FCNC.A WTFC EWBC CADE UMPQ FNB VLY WBS PNFP WA Western Alliance Bancorporation® CBSH NYCB NOIZ UBSI FIBK ASB ▲ Max Average • PB BOKF ABCB CMA SNV BKU PACW FULT CFR SFNC TCBI OZK UMBF SBNY HWC Note: Peers consist of 33 publicly traded banks headquartered in the US with total assets between $25B and $150B, excluding target banks of pending acquisitions, as of December 31, 2022; Source: S&P Global Market Intelligence. | 12

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