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Investor Presentaiton

$0.78 Diluted earnings per share - GAAP $0.79 Diluted earnings per share - operating (1) 14.1% Return on common equity - GAAP 17.8% Return on tangible common equity - operating (1 Diluted Earnings Per Share 1.46% 5% Return on average assets - GAAP Annualized 2Q EOP core $0.32 $0.32 loan growth (excluding PPP loans) 1.48% Return on average assets - operating¹) 1.67% PTPP return on average assets - operating (1) 14% Annualized 2Q EOP core transaction deposit growth 70% Loan to Deposit ratio $0.82 $0.83 $0.78 $0.79 2Q21 Highlights Return on Average Assets 0.71% 0.72% 1.62% 1.65% 1.46%1.48% 2Q20 1Q21 2Q21 2Q20 1Q21 ■GAAP Operating(¹) 2Q21 (1) GAAP ■Operating" $21.22 Book Value Per Share $22.81 $22.15 $16.95 2Q20 Other 2Q notable items: ■GAAP PTPP Return on Average Assets 1.86% 1.87% 1.83% $18.49 1.80% $17.83 1.64% 1.67% 1Q21 ■Tangible" (1) 2Q21 2Q20 1Q21 2Q21 ■PTPP Operating PTPP 0.09% Cost of deposits 38% DDA / Total Deposits $11.0 mm of PPP fee income ($0.10 EPS) $13.6 mm provision release due to improved economic forecast ($0.12 EPS) (1) See non-GAAP reconciliation table slides in the Appendix for a reconciliation of operating performance measures to GAAP performance 6 U UNITED

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