Investor Presentaiton

$ In Thousands Deposit Growth Total Deposits $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $- 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 4Q'23 Interest-Bearing Noninterest Bearing Cost of Deposits 3.00% 2.50% 2.58% 1.69% 2.00% 1.50% 1.00% 0.50% 0.00% 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 4Q'23 Interest-Bearing Total Deposits IN Total deposits of $1.16 billion Deposits increased $97.1 million, or 9.2%, for the trailing one-year period Deposits increased $115.8 million, or 11.1%, during the quarter Noninterest bearing deposits increased $44.2 million, or 11.8%, from the linked quarter, and make up 36.2% of total deposits The increase in noninterest bearing deposits in 4Q'23 was primarily due to a new large customer relationship which was temporarily inflated MRQ total cost of deposits increased 25 bps to 1.69% MRQ cost of interest-bearing deposits increased 36 bps to 2.58% 9

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