Choice Through Innovation

Q1 2024 Key Metrics & Highlights: Record Results¹ Total Assets Loan Portfolio $4.31B $3.98B Digital Banking Efficiency Ratio YOY Loan Growth YoY 23% Seq 3% 40% 200 bps (5%) Total Revenue YOY 11% Seq 1% Ave. Return on Common Equity 13.41% Net Income (ROCE) 262 bps YOY YOY 35% Seq 2% (24%) EPS YOY 41% Seq 2% Realizing significant operating leverage inherent in Digital Banking model: Driving outsized growth in profitability and ROCE 10

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