Q4 2020 Investor Presentation

Key Ratios Adjusted for PPP Loans As of and for the quarter ended December 31, 2020 Including PPP Loans Excluding PPP Loans (1) Loan yield 4.74% 4.89% Core Loan Yield 4.47% 4.60% Allowance for credit losses to total loans 1.85% 1.98% Stockholders' equity to total assets 13.31% 13.87% Tangible common equity to tangible assets 8.45% 8.83% Regulatory tier 1 leverage ratio 9.08% 9.50% Loans/Deposits 76% 71% (1) Figures excluding PPP loans are non-GAAP measurements. See Appendix for non-GAAP reconciliations. $ 25

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