Financial Results Second Quarter 2022

Noninterest Income ■ Noninterest income of $4.3 million, compared to $6.8 million in 1Q22 and $9.0 million in 2Q21 ▪ Gain on sale of loans of $2.0 million, compared to $3.8 million in 1Q22 and $3.0 million in 2Q21 - SBA gain on sale impacted by timing of loan sales and decline in gain on sale premiums; pipeline for 2H22 is solid Mortgage banking revenue of $1.7 million, compared to $1.9 million in 1Q22 Interest rate lock and sold loan volumes impacted by rise in interest rates Evaluating opportunities to expand origination channels Noninterest Income Dollars in millions 1 $9.0¹ $6.4 ■Core 2Q21 $7.8 Gain on sale of premises and equipment 3Q21 $7.7 OG $6.8 Service charges and fees ■Mortgage banking activities Noninterest income includes a $2.5 million gain on sale of premises and equipment; see Reconciliation of Non-GAAP Financial Measures in the Appendix 4Q21 $4.3 1Q22 Noninterest Income 2Q22 2Q22 Dollars in millions $0.2 $0.3 $0.2 $1.7 $1.9 ■Net loan servicing revenue ■ Other 22 2 Gain on sale of loans FIRST INTERNET BANCOR P V 8:1

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