Financial Results Second Quarter 2022

Noninterest Expense ▪ Noninterest expense of $18.0 million, compared to $18.8 million in 1Q22 Higher salaries and employee benefits driven by $0.8 million of nonrecurring items Professional fees lower due to nonrecurring consulting fees of $0.9 million incurred in 1Q22 Professional fees also included $0.1 million of acquisition-related expense vs. $0.2 million in 1Q22 Lower loan expenses due to $0.9 million decline in tax refund advance loan servicing fees ▪ Noninterest expense / average assets remained well below the industry average Noninterest Expense Dollars in millions $15.1 1 2 $14.5 2Q21 Core Non-core items $17.0 $16.3 1 $18.8 $17.7 2 $18.0³ $17.1 Noninterest Expense / Average Assets 2Q22 1.44% 1.34% 2Q21 ■Core Non-core items 3Q21 4Q21 1Q22 4Q21 noninterest expense includes a $0.5 million IT contract termination fee and $0.2 million of acquisition-related expenses; see Reconciliation of Non-GAAP Financial Measures in the Appendix 1Q22 noninterest expense includes $0.9 million of nonrecurring consulting fees and $0.2 million of acquisition-related expenses 3 2Q22 noninterest expense includes a $0.5 million discretionary inflation bonus, $0.3 million of accelerated equity compensation and $0.1 million of acquisition-related expenses 3Q21 1.61%¹ 1.55% 4Q21 2 1.81%² g 1.71% 1Q22 1.76% 3 1.67% 2Q22 FIRST INTERNET BANCOR P U 9:

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