Investor Presentaiton

31 Uninsured Deposits Uninsured Deposits (in millions) Call Report Uninsured Estimate Call Report Estimated Uninsured Deposits to Total Deposits Less: Affiliate Deposits (MSB owned funds) Less: Additional structured FDIC coverage Less: Collateralized Deposits December 31, 2023 September 30, 2023 1,642 $ 1,737 26 % 27% (38) (44) (30) (49) (358) (367) Estimated uninsured deposits excluding items above Estimated Uninsured Deposits to Total Deposits Total Deposits $ 1,216 $ 1,277 19 % 20 % $ 6,310 $ 6,405 Average Deposit Balance per Account = $34,000 Midland ◉ States Bancorp, Inc.

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