Slide 1: Loan Portfolio Disclosures as of September 30, 2025
1 Loan Portfolio Disclosures AS OF SEPTEMBER 30, 2025 Exhibit 99.2
Slide 2: Q3 2025 Loan Portfolio Composition and Allowance
2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,336 $52 0.94% Commercial Real Estate Investor $1,257 $3 1.65% Commercial Real Estate Owner Occ. $680 $72 1.23% Construction $176 $2 0.84% Residential Real Estate $301 $2 0.88% Multifamily $378 $1 0.45% HELOC $235 $2 1.
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 12/31/21 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 Office CRE Healthcare Other Criticized Loans
Slide 4: Loan Portfolio Composition by Origination
4 Loan Portfolio Composition by Origination (in millions) Maturity of Fixed-Rate CRE loans by quarter (in millions) Purchased Portfolio Segment Outstanding SNC Classified Manufacturing C&I $60 - $8 Multifamily $58 - - Consumer Solar $57 - - Construction $43 - - Industrial CRE $37 $28 - HELOC $37 - -
Slide 5: Commercial Real Estate Investor Portfolio Composition
5 Property Type Outstanding LTV Classified Allowance Retail $345 53% - 1.03% Industrial $300 50% - 1.17% Office (1) $215 64% $3 2.74% Hotel $94 52% - 1.21% Parking Garage $65 49% - 0.96% Senior Living $63 55% - 1.18% Mixed-Use $56 50% - 1.25% Gas Station/ Convenience $46 50% - 1.06% Other (under $30
Slide 6: Commercial Real Estate Owner-Occupied Portfolio Composition
6 Industry Outstanding Classified Allowance Health Care, Social Services $263 $37 1.66% Other Services $74 $5 0.37% Retail Trade $61 - 0.21% Manufacturing $54 $4 0.88% Real Estate, Leasing $60 $3 0.59% Wholesale Trade $32 $2 0.44% Arts, Entertainment $24 - 0.61% Accommodation, Food Service $23 $6 1.
Slide 7: Commercial (including Leases) Portfolio Composition
7 Commercial & Industrial Outstanding Classified Manufacturing $427 $16 Construction $165 $2 Administration, Waste Service $129 $2 Professional $123 - Transportation, Warehousing $108 $18 Health Care, Social Services $68 - Finance, Insurance $63 - Wholesale Trade $58 $7 Real Estate, Leasing $50 - Ag
Slide 8: Powersport Portfolio and Contribution Margin
8 Origination Tier Outstanding Weighted FICO Portfolio APR % Tier 1 $386 776 7.67% Tier 2 $141 709 9.79% Tier 3 $83 682 12.22% Tier 4 $43 653 14.44% Tier 5 $62 604 16.86% Total $715 730 9.72% Powersport (in millions) Tier 1 54% Tier 2 20% Tier 3 11% Tier 4 6% Tier 5 9% Historical Contribution Margin
Slide 9: Net Charge-offs (Recoveries)
9 Net Charge-offs (Recoveries) (in thousands) Portfolio 12/31/2024 (Q) 3/31/2025 (Q) 6/30/2025 (Q) 9/30/2025 (Q) 9/30/2025 (TTM) NCO(R) % Commercial (incl. Leases) $8,583 $3,507 $1,090 $1,233 $14,413 1.09% Commercial Real Estate Investor ($173) ($14) ($14) ($15) ($216) (0.02%) Commercial Real Estate