Investor Presentaiton

Key Drivers Guidance Metric Loans Held for Investment Average Deposits 2 to 3 Quarter Outlook Increasing • Increasing • Comments Increases in commercial real estate - multifamily Lower prepayment expectations Growth in consumer and business customers Net Interest Margin Stable • Uncertainty related to timing of Fed rate increases Expectation of low deposit betas • Current loan production at higher rates Noninterest Income Increasing • Single family volume seasonality • Noninterest Expense Stable Wage increases offset by benefits of seasonality Inflationary pressures mainly limited to wages [HomeStreet The information in this presentation, particularly including but not limited to that presented on this slide, is forward-looking in nature, and you should review Item 1A, "Risk Factors," in our most recent SEC filings including our Annual Report on Form 10-K, and our quarterly reports on Form 10-Q, for a list of factors that may cause us to deviate from our plans or to fall short of our expectations. p. 28

View entire presentation