Investor Presentaiton

Results of Operations $ Thousands, Except Per Share Data Net Interest Income Provision for Credit Losses Noninterest Income Noninterest Expense Quarter Ended [HomeStreet Mar. 31, 2022 Dec. 31, 2021 Sep. 30, 2021 June 30, 2021 Mar. 31, 2021 $54,546 $57,084 $57,484 $57,972 $54.517 (9,000) (6,000) (5,000) (4,000) 15,558 28,620 24,298 28,224 38,833 54,473 53,971 51,949 52,815 56,608 Income Before Income Tax 24,631 37,733 34,833 37,381 36,742 Total 19,951 29,432 27,170 29,157 29,663 Income per Share - Diluted $1.01 $1.43 $1.31 $1.37 $1.35 ROAA 1.10% 1.59% 1.48% 1.59% 1.65% ROAE 11.6% 16.1% 14.8% 16.3% 16.4% ROATE (1) 12.2% 17.0% 15.6% 17.2% 17.3% Net Interest Margin Efficiency Ratio (1) Full-Time-Equivalent Employees Tier 1 Leverage Ratio (Bank) 3.27% 3.34% 3.42% 3.45% 3.29% 77.0% 62.2% 62.8% 62.8% 60.0% 962 970 983 997 1,013 10.30% 10.11% 10.17% 9.95% 10.01% Total Risk-Based Capital (Bank) 13.23% 13.77% 13.71% 14.36% 14.84% Tier 1 Leverage Ratio (Company) 8.99% 9.94% 10.00% 9.78% 9.83% Total Risk-Based Capital (Company) 12.65% 12.66% 13.01% 13.59% 14.05% (1) See appendix for reconciliation of these non-GAAP financial measures. p. 32

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