Investor Presentaiton

Diversified Loan Portfolio 2Q21 Total Loans $11.4 billion Residential PPP Construction 3% 4% Home Equity 6% Quarter Highlights ✓ Loans, excluding PPP, increased $123 million, or 5% annualized ✓ Sold $18.9 million of Navitas loans ✓ Sold $26.7 million of SBA loans Residential Mortgage 13% Other 1% Consumer 22% CRE 8% Commercial Construction 43% C&I Granular Loan Portfolio ✓ Construction & CRE ratio as a percentage of total RBC = 64%/195% ✓ Top 25 relationships total $637 million, or 6% of total loans ✓ SNC's outstanding of $229 million, or 2% of total loans ✓ Navitas 9% of total loans ✓ Project lending limit of $20 million ✓ Relationship lending limit of $35 million Note: C&I includes commercial and industrial loans, owner-occupied CRE loans and Navitas (equipment finance) loans 10 U UNITED

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