Investor Presentaiton

Highlights and Developments Quarterly Results • Net income of $20.0 million, or $1.01 per share • ROAE of 11.6%, ROATE of 12.2% (¹) and ROAA of 1.10% • Efficiency ratio of 77.0% (1) • Net interest margin of 3.27% HomeStreet • Loans held for investment increased at an annualized rate of 24% • Cost of deposits of 0.16% on March 31, 2022 . Deposits increased at an annualized rate of 8% Noninterest bearing deposits: 26% of total deposits on March 31, 2022 • Book Value per share of $32.15 and tangible book value per share of $30.47(1) on March 31, 2022 Other Results • Repurchased a total of 1,471,485 shares at an average price of $50.97 per share during the quarter. 7% of shares repurchased since beginning of the year. Declared and paid a quarterly cash dividend of $0.35 per share Recent Developments • Completed $100 million subordinated notes offering in January 2022. HomeStreet's results reflect its diversified business model, the benefits of its conservative credit culture and continuing focus on operating efficiency. (1) See appendix for reconciliation of non-GAAP financial measures. p. 2

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