2nd Quarter 2021 Investor Presentation

Completed a deep dive of certain pandemic impacted sectors... Retail MSA Concentration (1) Office MSA Concentration (1) Hotel MSA Concentration (1) 2% Dallas-Ft Worth ■ St Louis 3% 32% 36% Oklahoma City 3% NW Arkansas 4% ■Little Rock 4% 2% 4% 4% 16% Retail Tenancy Mix(2) by square feet ■Memphis ■Nashville Other | 10% 16% ■Dallas-Ft Worth ■ St Louis 27% 37% Oklahoma City 35% ■NW Arkansas Little Rock Memphis ■ Nashville 2% 8% 4% 3% 19% Other 10% Office Tenancy Mix(2) by square feet ■Chain Retail 2% 13% ■ Vacant 11% 2% Privately Owned 2% 28% 4% 33% Retail 3% 5% ■Gym 4% 5% ■ Independent Restaurant Professional Services 6% ■ Healthcare 21% 6% 14% Chain Restaurant 14% ■ Other | ■ Vacant Occupancy (2) ■ Professional Services | 80% ■Manufacturing / 70% Warehouse Healthcare 60% | 50% ■ Construction/ Engineering ■Government 40% | 30% Privately Owned 20% 27% Retail Chain Retail ■ Other 10% 0% Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 • Reviewed all loans over $2 million Sample size represents 70% of the Permanent NOO Retail Portfolio F (1) MSA concentration of entire portfolio. Reviewed all loans over $3 million Sample size represents 75% of the Permanent NOO Office Portfolio (2) Information based on sample size used in deep dive review of portfolio. • • 07-unr 19% Dallas-Ft Worth ■ St Louis Nashville ■ Chatanooga ■Little Rock ■Memphis ■ Other Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Individually reviewed hotels that were stabilized prior to COVID and > $5 million Sample size represents 59% of Hotel Portfolio 28

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