Investor Presentaiton

RESG - Nationally Recognized Industry Leader Portfolio Importance RESG Loans at September 30, 2023 accounted for: • 63% of our funded non-purchased loans Portfolio Statistics - as of September 30, 2023 Total funded Total funded & unfunded • 81% of our unfunded closed loans • 71% of our total funded and unfunded balances of non- purchased loans $15.77 Billion $32.64 Billion Loan-to-cost ("LTC") ratio 53% * Loan-to-value ("LTV") ratio 43% * *Weighted average; assumes all loans are fully funded; LTV data based on most recent appraisals and utilizing, in most cases, "as stabilized" values for income producing properties RESG Business Model Reduces Credit Risk ■ We are the sole senior secured lender giving us the lowest risk position in the capital stack ☐ Our transactions typically include some combination of four important factors: ◉ - Strong & capable sponsors, preferred equity and mezz debt providers Marquee projects Low leverage with substantial equity and mezz debt (all "equity" relative to our senior secured position) Defensive loan structure providing substantial protection to the bank Over RESG's 20-year history, asset quality has been excellent with a weighted average annual net charge-off ratio (including OREO write-downs) of only 8 bps. ☐ ☐ RESG's Life of Loan Focus Thorough underwriting including detailed modeling and testing for economic stress, interest rate stress, exit refinancing stress and cap rate stress Rigorous economic analysis including supply and demand metrics for the relevant market, submarket and micro- market, as appropriate Comprehensive and consistent documentation under the supervision of RESG's in-house legal team in coordination with outside counsel ■ An emphasis on precision at closing handled by RESG's team of closers and paralegals Thorough life-of-loan asset management by teams of skilled asset managers Bank OZK 9

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