Investor Presentaiton

$0.74 Diluted earnings per share - GAAP $0.75 Diluted earnings per share - operating (1) 10.86% Return on common equity - GAAP 15.2% Return on tangible common equity - operating (1) 1.33% Return on average assets - GAAP 12% Annualized 4Q EOP loan growth 1.35% Return on average assets ― operating (1) 48.0% Efficiency ratio GAAP 4Q22 Highlights Diluted Earnings Per Share Return on Average Assets $0.74 $0.75 $0.64 $0.74 $0.75 1.32% 1.34% 1.33% 1.35% $0.55 1.10% 0.96% 4Q21 3Q22 4Q22 (1) 4Q21 3Q22 4Q22 (1) GAAP Operating GAAP Operating 47.4% Book Value Per Share PTPP Return on Average Assets $24.38 Efficiency ratio - operating (1) $23.63 $23.78 2.07%2.09% 1.94% 1.97% $18.42 1.40% $17.13 $16.52 1.21% 2.09% PTPP return on average assets - operating (1) 77% Loan-to-Deposit ratio 4Q21 3Q22 4Q22 4Q21 3Q22 (1) Tangible 4Q22 (1) PTPP Operating PTPP 0.49% Cost of deposits 38% DDA / Total Deposits Other 4Q notable items: $3.6mm (pre-tax) gain on equity investment marks $1.8mm (after-tax) tax loss on BOLI surrender GAAP (1) See non-GAAP reconciliation table slides in the Appendix for a reconciliation of operating performance measures to GAAP performance LO 5 U UNITED

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