2nd Quarter 2021 Investor Presentation

. that confirmed the improving health of each of our portfolios Retail Risk Rating Composition 2% Office Risk Rating Composition Hotel Risk Rating Composition 5% 93% Pass Pass Watch Special Mention Evolution of COVID-19 Loan Modifications 3% 14% 83% Pass ■ Pass Watch 24% Special Mention 15% 27% 34% Hotel Portfolio COVID-19 Loan Modification Status ($ in thousands) $ in millions 6/30/20 3/31/21 6/30/21 $800,000 $600,000 Balance of loans modified $3,495 $208 $134 $400,000 # of loans classified as modified 4,755 79 36 $200,000 $0 NO COVID Modification In COVID Modification $ ■June 2020 ■December 2020 Pass Pass Watch Special Mention Substandard Returned to Normal Payment ■June 2021 29

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