Investor Presentaiton

Total Deposits ($MM) CORE DEPOSIT FRANCHISE $1,200 Deposit Mix $1,000 $800 $600 $400 $621 $513 $449 $392 3.00% $983 2.50% $872 Cost of Deposits vs. Fed Funds Rate 2.50% 2.00% 1.75% 1.50% 1.50% 0.75% 1.00% 0.70% $200 0.50% 0.25% 0.25% 0.38% 0.26% 0.23% $- 0.00% 2016 2017 2018 2019 2020 Q1 0.21% 2016 0.11% 2017 2018 2019 2020 Q1 2021 2021 ■Non-Interest Bearing MMDA ■CDs ■NOW & Interest-Bearing ■Savings Cost of Total Deposits Fed Funds Rate Source: Unaudited company information, call reports and press releases as of 3/31/2021, and Federal Reserve website Note: Fed Funds rate represents FOMC's high-end of target federal funds rate as of the end of each respective period Note: All dollars in millions 17

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