Compeer Financial Industry Overview

CAPITAL BENCHMARKS Capital Ratio 20.0% 18.0% 16.0% Compeer Capital Benchmarks Compeer Severe Stress Min, 13.12% Peer Average, 17.40% 14.0% Banking (Well Capitalized), 10.50% 12.0% Moody's/S&P Analysis, 10.00% COMPEER FINANCIAL 10.0% Economic Capital AAA, 12.00% 8.0% FMAC 9/30/2019, 12.20% 6.0% AIRB Capital (17 Oliver Wyman), 9.80% Economic Capital AA, 10.10% FCA FIRS 2, 11% 4.0% 2.0% 0.0% FCA FIRS 1, 15.50% 25 Note: Oliver Wyman analysis of Compeer portfolio using AIRB practices. FMAC based on only Farm & Loan portfolio (excludes guarantees) and all capital. COMPEER FINANCIAL™

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