Investor Presentaiton

HomeStreet] Non-GAAP Financial Measures (continued) $ Thousands Efficiency Ratio Noninterest Expense Adjustments $54,473 $53,971 Quarter Ended Mar. 31, 2022 Dec. 31, 2021 Sep. 30, 2021 June 30, 2021 Mar. 31, 2021 $51,949 $52,815 $56,608 Legal fees recovery 1,900 State of Washington Taxes (506) (664) (578) (602) (579) Adjusted Total $53,967 $53,307 $51,371 $54,113 $56,029 Total Revenues Net Interest Income Noninterest Income $54,546 $57,084 $57,484 $57,972 $54,517 $15,558 $28,620 $24,298 $28,224 $38,833 $70,104 $85,704 $81,782 $86,196 $93,350 77.0% 62.2% 62.8% 62.8% 60.0% Total Revenues Ratio Efficiency Ratio- excluding SFL Noninterest Expense (per above) $53,967 $53,307 $51,371 $54,113 $56,029 Less: SFL direct expense* (8,885) (10,006) (11,347) (13,823) (16,105) Net 45,082 43,301 40,024 40,290 39,924 Revenue (per above) $70,104 $85,704 $81,782 $86,196 $93,350 Less: SFL Revenue Net (6,735) (10,047) (14,002) (14,630) (23,301) 63,369 75,657 67,780 71,566 70,049 Ratio 71.1% 57.2% 59.0% 56.3% 57.0% Efficiency Ratio - SFL* 131.9% 99.6% 81.0% 94.5% 69.1% *excludes allocations of indirect expenses p. 36

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