Q2 Quarter 2023

Credit Quality: Remains at historically low-levels in the current environment Nonperforming loans / loans1 Strategic decision to de-risk certain elements of the loan portfolio through planned run-off of particular acquired non-relationship credits Nonperforming assets/total assets¹ Net charge-offs to average loans² Annual Quarterly Annual Quarterly 0.96% 0.81% 0.67% 0.65% 0.57% 0.43% 0.37% 0.37% 0.37% 0.38% Annual Quarterly 0.83% 0.64% 0.64% 0.55% 0.45% 0.31% 0.24% 0.21% 0.31% 0.23% 0.23% 0.23% 0.26% 0.28% 0.13% 0.09% 0.03% 0.04% 0.13% 0.00% 2017 2018 2019 2020 2021 2022 Q3 22 Q4 22 Q1 23 Q2 23 2017 2018 2019 2020 2021 2022 Q3 22 Q4 22 Q1 23 Q2 23 2017 2018 2019 2020 2021 2022 Q3 22 Q4 22 Q1 23 Q2 23 Annual Trend 6/30/23 3/31/23 Change NPL / Loans 0.43% 0.38% 5 bps Nonperforming Loans (in millions) $72.0 $63.7 $8.3 NPA / Assets 0.28% 0.26% 2 bps Nonperforming Assets (in millions) $76.9 $71.4 $5.5 Past Due 30+ Days / Loans 0.10% 0.15% (5) bps ☐ Net Charge-offs / Average Loans 0.04% 0.03% 1 bp NPL Coverage Ratio 292% 324% (32) bps ACL / Loans Total Loans (in millions) 1.25% $16,834 1.25% $16,555 $279 Key Highlights Increase in nonperforming loans was principally driven by a single, C&I relationship totaling $9.6 million Shortly after the end of the quarter, received $2.9 million initial payment on nonperforming relationship noted above 1 basis point of net charge offs, excluding credit card portfolio Credit card charge-offs reflects industry- wide trend albeit at lower levels Loans past due 30+ days down 5 bps on a linked quarter basis Credit card portfolio net charge-off ratio² 2.25% 1.86% 1.61% 1.64% 1.60% 1.69% 1.40% 1.44% 1.52% 1.30% Annual Quarterly 2017 2018 2019 2020 2021 2022 Q3 22 Q4 22 Q1 23 Q2 23 Key Credit Metrics: Average FICO Scores ■ Balance Weighted Average FICO Score ■ Line Utilization Credit metrics reflect strategic decision in 2019 to de-risk certain elements of acquired loan portfolios Source: S&P Global Market Intelligence 2017-2022 (1) As of December 31, for each respective year shown above; quarterly data as of the end of the quarter for each respective period $5 (2) Net charge-offs to average loans for the full-year for each respective year shown above; quarterly annualized data for each respective quarter 755 746 20% 23

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