Investor Presentaiton

恭 CREDIT QUALITY TRENDS Nonperforming Assets / Total Assets* Allowance for Loan Losses / Gross Loans 1.50% 1.33% 1.40% 1.28% 1.32% 1.33% 0.35% 0.33% 1.30% 1.19% 1.17% 1.20% 1.12% 1.10% 1.12% 1.13% 1.09% 1.10% 1.08% 1.00% 0.90% Q2 2019 Q3 2019 Q4 2019 Q1 Q2 2020 2020 Q3 2020 2020 Q4 Q1 2021 ■LLR / Gross Loans ◆ LLR / Gross Loans, Excl. PPP 0.50% 0.40% 0.30% 0.20% 0.10% 0.04% 0.04% 0.04% 0.04% 0.00% 0.00% 0.00% Q2 Q3 Q4 Q1 Q2 Q3 2019 2019 2019 2020 2020 2020 2020 Q4 Q1 2021 Net Charge-Offs (Recoveries) / Average Loans 0.10% 0.06% 0.03% 0.02% 0.00% -0.02% -0.06% -0.01% -0.01% -0.01% -0.01% -0.01% -0.04% -0.10% Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2019 2019 2019 2020 2020 2020 2020 2021 Source: Unaudited company information, call reports and press releases as of 3/31/2021 *Excludes troubled debt restructurings 18

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