Investor Presentaiton

Capital Risk-Based Capital Ratios* CET1 Non-common Tier 1 Tier 2 14.9% 14.7% 14.3% 14.5% 14.6% 14.8% 13.6% 1.6% 0.8% 1.5% 1.9% 1.9% 1.9% 0.7% 0.6% 0.6% 0.6% 1.9% 0.6% 2.0% 0.6% 12.6% 12.5% 11.9% 12.0% 12.1% 12.3% 11.2% 3Q21 4Q21 1Q22 2Q22 3Q22 3Q22 KRX Peer Median 4Q22* Tangible Book Value Per Share $0.77 $0.07 $0.02 ($0.01) ($0.24) $17.13 $16.52 3Q22 TBV Operating Earnings Merger Charges Dividends Change in OCI Other 4Q22 TBV *4Q22 regulatory capital ratios are preliminary ✓ 4Q22 capital ratios increased and are above peers ✓ The leverage ratio increased 28 bps to 9.69%, as compared to 3Q22 ✓ Progress acquisition closed in 1Q23 and will reduce risk-based ratios approximately 45 bps to 55 bps on a stand-alone basis ✓ Quarterly dividend of $0.22 per share, an increase of 10% YOY ✓ There were no share repurchases during 4Q22 ✓ Net unrealized securities losses in AOCI improved by $3.3 million to $342 million in 4Q22 • AFS securities portfolio of $3.6 billion with a 3.5-year duration 13 U UNITED

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