Office Loans Investment and Deposit Portfolio Analysis

National Lending Originated Portfolio Interest Reserve Analysis Dollars in thousands Total Lender Finance Loans Lender Finance Northeast BANK Balance % with Interest Reserves Interest Reserve WA Duration WA Advance Rate(¹) WA LTV(2) $461,715 Lender Finance Loans with Interest Reserves 427,584 93% 5.1 Months Dollars in thousands Total Direct Originated Loans Direct Originated Loans 66% 45% Balance % with Interest Interest Reserve Reserves WA Duration WA LTV(2) $525,856 Direct Originated Loans with Interest Reserves 457,806 87% 5.1 Months 52% (1) Weighted Average Advance Rate utilizes original balance and real estate value at the time of origination (2) Weighted Average LTV is calculated as the Bank's loan amount to the value of the underlying commercial real estate collateral All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 16

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