Investor Presentaiton

Well-Diversified Loan Portfolio $ in billions Residential 4Q22 Total Loans $15.3 billion Residential Construction Manufactured Housing 2% Home Equity 3% 6% Mortgage 15% Other Consumer 1% 42% C&I Quarter Highlights ✓ Loans increased $453 million, or 12% annualized ✓ Construction & CRE ratio as a percentage of total RBC = 79% / 199% ✓ Top 25 relationships totaled $774 million, or 5.0% of total loans ✓ SNCs outstanding of $331 million, or 2.2% of total loans ✓ Project lending limit of $32 million ✓ Conservative relationship lending limits driven by risk grades CRE 21% 10% Equipment Financing $1.4 Commercial Construction Owner Occupied CRE $2.7 Commercial & Industrial $2.3 11 U UNITED

View entire presentation