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Investor Presentaiton

$ In Thousands InBank Remains Well-Capitalized $1,500,000 $1,250,000 9.08% $1,000,000 $750,000 $500,000 $250,000 $- ¡ 1Q'22 10.54% InBank Leverage Ratio² 12.00% 10.20% 9.66% 9.71% 10.03% 9.79% 9.44% 10.00% IN 8.00% InBank Capital Ratios 4Q'23 Tier 1 Leverage Ratio 10.20% 6.00% Common Equity Tier 1 Capital Ratio 11.85% Tier 1 Capital Ratio 11.85% Total Capital Ratio 12.93% 4.00% 2.00% 0.00% 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 4Q'23 Total Assets Tier 1 Leverage Ratio 1. Regulatory capital ratios and total assets for subsidiary InBank 2. Leverage Ratio was favorably impacted higher in 20'22, since Legacy Bank acquisition closed on April 29, 2022, which lowered the average assets used to calculate the ratio. 16

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