Investor Presentaiton

$ In Thousands Asset Quality - NPAs and Past Due Loans IN Non-Performing Assets 1 Past Due Loans 30-89 Days $8,000 0.75% $6,000 1.20% $6,000 $4,000 $2,000 $5,000 0.60% $4,000 0.45% $3,000 0.30% $2,000 0.15% $1,000 1.00% 0.80% 0.60% 0.40% 0.20% $0 0.00% $0 0.00% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 OREO I Nonaccural loans 90+ past due %NPAs to total assets Past due 30-89 days % of total loans In 3Q'23, nonperforming assets decreased $330,000 to $2.1 million, non performing assets to total assets ratio of 0.16% 1. Nonperforming assets excludes performing troubled debt restructured loans 14

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