Office Loans Investment and Deposit Portfolio Analysis

National Lending Loan Portfolio Statistics as of June 30, 2023 Investment Size (1) $15+ Million 14% $10-15 Million 10% $6-$10 Million 18% $0-$2 Million 29% Northeast Collateral State (44 States) Non Real Estate(3) 5% All Other States 13% SC 1% TX 3% $2-$6 Million 29% WA 3% NJ 5% Collateral Type Lender Finance 17% Multifamily 20% Retail(2) 16% Office 11% Industrial 10% All Other 6% Other CRE 7% Hospitality 6% Mixed Use 7% FL 5% CA 30% BANK NY 35% (1) Average investment size of $658 thousand/loan; originated average: $4.5 million/loan and purchased average: $419 thousand/loan (2) Includes traditional and non-traditional retail, such as restaurants and gas stations. (3) 49% of the 5% Non-Real Estate total represents Lender Finance loans consisting of various collateral types in various locations. 7

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