Investor Presentaiton

0.60% 0.30% 0.00% WAL SSB ONB GBCI FCNC.A WTFC · EWBC CADE UCBI COLB FNB VLY WBS PNFP Note: Peers consist of 34 publicly traded banks headquartered in the U.S. with total assets between $25B and $150B as of March 31, 2023 Source: S&P Global Market Intelligence ◉ CBSH NYCB A Max Average NOIZ FHN UBSI ☐ FIBK ASB PB Peer Group 5.25% Maximum of Peers Avg of Peers Minimum of Peers 1.20% Amount Bank Amount Amount Bank Average 37 bps HWC 15 bps 1 bp WAL 0.90% Maximum 525 bps HWC 70 bps 13 bps WAL BOKF ABCB CMA SNV BKU PACW Demonstrated Conservative Credit Culture Deliberate business transformation, emphasizing underwriting specialization and diversification strategy, has produced sustained superior asset quality with reduced dispersion in realized credit losses Annualized Net Charge-Offs 1Q14 - 1Q23 FULT CFR SFNC TCBI ◉ OZK UMBF HWC WA Western Alliance BancorporationⓇ ||14

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