Slide 1: Loan Portfolio Disclosures as of December 31, 2025
1 Loan Portfolio Disclosures AS OF DECEMBER 31, 2025 Exhibit 99.2
Slide 2: Loan Portfolio Composition and Allowance Trend
2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,390 $54 0.97% Commercial Real Estate Investor $1,212 $14 1.77% Commercial Real Estate Owner Occ. $707 $64 0.66% Construction $174 $11 0.87% Residential Real Estate $301 $3 0.88% Multifamily $339 $2 0.44% HELOC $235 $2
Slide 3: Criticized Loans and OREO and Repossessed Assets
3 Criticized Loans (in millions) 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% $- $50 $100 $150 $200 $250 $300 $350 3/31/22 6/30/22 9/30/22 12/31/22 3/31/23 6/30/23 9/30/23 12/31/23 3/31/24 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 Office CRE Healthcare Other Criticized Loans
Slide 4: Commercial Real Estate Investor Portfolio Composition
4 Property Type Outstanding LTV Classified Allowance Retail $338 53% $2 1.10% Industrial $294 50% - 1.21% Office (1) $202 64% $3 3.37% Hotel $79 52% - 1.43% Mixed Use $67 49% $9 5.56% Parking Garage $65 49% - 0.95% Senior Living $62 55% - 1.18% Gas Station/ Convenience $44 50% - 0.94% Other (under $
Slide 5: Commercial Real Estate Owner-Occupied Portfolio Composition
5 Industry Outstanding Classified Allowance Health Care, Social Services $270 $28 0.92% Other Services $82 $5 0.39% Retail Trade $67 - 0.21% Manufacturing $58 $2 0.24% Real Estate, Leasing $53 $3 0.58% Accommodation, Food Service $32 $7 1.41% Wholesale Trade $29 $1 0.47% Arts, Entertainment $23 $2 1
Slide 6: Commercial (including Leases) Portfolio Composition
6 Commercial & Industrial Outstanding Classified Manufacturing $427 $14 Construction $196 $8 Administrative, Waste Service $137 $3 Professional $129 $1 Transportation, Warehousing $114 $17 Real Estate, Leasing $80 - Health Care, Social Services $63 $1 Finance, Insurance $60 $1 Wholesale Trade $51 $4
Slide 7: Powersport Portfolio Composition
7 Origination Tier Outstanding Weighted FICO Portfolio APR % Tier 1 $382 776 7.73% Tier 2 $135 709 9.88% Tier 3 $79 682 12.32% Tier 4 $40 655 14.49% Tier 5 $61 605 16.86% Total $697 730 9.82% Powersport Portfolio Composition (in millions) Tier 1 54% Tier 2 20% Tier 3 11% Tier 4 6% Tier 5 9% Historic
Slide 8: Net Charge-offs (Recoveries)
8 Net Charge-offs (Recoveries) (in thousands) Portfolio 3/31/2025 (Q) 6/30/2025 (Q) 9/30/2025 (Q) 12/31/2025 (Q) 12/31/2025 (TTM) NCO(R) % Commercial (incl. Leases) $3,507 $1,090 $1,233 ($29) $5,801 0.43% Commercial Real Estate Investor ($14) ($14) ($15) ($14) ($57) 0.00% Commercial Real Estate Owne