Investor Presentaiton

InBank Remains Well-Capitalized 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% InBank Leverage Ratio $1,500,000 $1,250,000 $1,000,000 $750,000 $500,000 $250,000 0.00% $0 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 I Tier 1 Leverage Ratio Total Assets 1. Regulatory capital ratios and total assets for subsidiary InBank 2. Leverage Ratio was favorably impacted higher in 20'22, since Legacy Bank acquisition closed on April 29, 2022, which lowered the average assets used to calculate the ratio. $ In Thousands IN In Bank Capital Ratios 1 3Q'23 2 Tier 1 Leverage Ratio 10.03% Common Equity Tier 1 Capital Ratio 11.50% Tier 1 Capital Ratio 11.50% Total Capital Ratio 12.55% 16

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