Investor Presentaiton

Loan Portfolio Overview As of December 31, 2019 ($ in millions) Loan Portfolio by Category & Geography Warehouse Agriculture Purchase (Inc. Farm) Program $1,553 8.2% 1-4 Family $3,880 20.6% $681 3.6% Construction Home $2,064 Equity 11.0% $507 2.6% Energy C&I $2,507 $698 3.7% 13.3% Comm. R.E. Consumer & Other $398 2.1% $6,556 34.9% (4) Loans By Area Amount (2)(4) % of Total Bryan College Station $609 3.5% Central Oklahoma $600 3.5% Central Texas $1,446 8.4% Dallas/Ft. Worth $8,029 46.6% East Texas Houston South Texas $450 2.7% $3,209 18.6% $1,331 7.7% Tulsa Oklahoma $580 3.4% West Texas $972 5.6% Source: Company Documents (1) (2) 14 (3) (4) Data for the three months ended December 31, 2019 Excludes $66 million in loans assigned to the Corporate Group Core yield excludes purchase accounting adjustments Excludes Warehouse Purchase Program (WPP) loans Loans by Rate Structure Fixed 37.5% ~2.5yr Avg. Life Floating 34.3% Variable Rate 28.2% Total Loans: $18.8Bn Loans (Excl. WPP): $17.3Bn Yield on Total Loans: 5.42% (1) Yield on Loans HFI (Excl. WPP): 5.52%(1)(4) Core Yield on Loans HFI (Excl. WPP): 4.91%(1)(3)(4) PB LISTED NYSE

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