Investor Presentaiton

$ In Thousands Loan Growth $1,000,000 Total Loans Held for Investment (HFI) $800,000 $600,000 $400,000 $200,000 $- 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 Core Loans ■PPP Loans 6.00% Total Yield on Loans 1,2 5.50% 5.00% 4.50% 4.00% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 5.77% IN Total Loans HFI of $901.7 million Total Loans HFI growth of $104.6 million, or 13.1%, for the trailing one-year period Loans HFI increased $4.0 million, or 0.4%, during the quarter MRQ total loan yield of 5.77%, compared to 5.60% in 2Q'2023, and 5.65% for 3Q'22 1 o MRQ included $354,000 in purchase discount accretion, compared to $329,000 in 2Q'2023, and $706,000 in 3Q'22 1. 3Q'2022 loan yield was favorably impacted by a one-time recognition of $983,000 in loan interest and fee income collected from a nonaccrual real estate loan sold during the quarter. 2Q'2022 loan yield was favorably impacted by a one-time recognition of $766,000 in prior period charged-off loan interest income collected on purchased credit impaired loans. 2. 7

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