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Investor Presentaiton

Entrance into Attractive California Metro Markets Top 10 CA MSAs by Population (000s) Indicates MSA LBC operates in Top 10 CA MSAs by 2022- 2027 Population Growth #1 13,208 #2 #6 4,746 4,723 3,363 2,404 1,998 1,020 914 842 783 #6 #8 3.6% 3.1% 3.1% 3.0% 2.7% 2.6% 2.5% 2.5% 2.5% 2.4% Los Angeles San Riverside San Diego Sacramento San Jose Fresno Bakersfield Oxnard Stockton Stockton Sacramento Riverside Merced Fresno Francisco San Francisco Bakersfield San Jose San Diego Vallejo #1 #2 $144,541 Top 10 CA MSAs by Median HHI ($) #6 #9 $127,546 $103,559 $102,032 $101,407 $98,193 $95,078 $93,509 $86,804 $86,239 Top 10 CA MSAs by 2022 - 2027 Median HHI Growth 16.3% #3 #6 #10 15.4% 15.1% 15.1% 15.1% 14.9% 14.7% 14.2% 13.9% 13.8% San Jose San Francisco Napa Santa Cruz Oxnard Santa Rosa Vallejo San Diego Los Angeles Salinas Stockton Yuba City Santa Rosa Santa Cruz Ukiah San Jose Redding Eureka Riverside San Francisco Source: S&P Global. Data as of 6/30/2022. WaFd Bank 6
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