Slide 1: Loan Portfolio Disclosures as of March 31, 2025
1 Loan Portfolio Disclosures AS OF MARCH 31, 2025 Exhibit 99.2
Slide 2: Q1 2025 Loan Portfolio Composition and Allowance Trend
2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,238 $22 0.81% Commercial Real Estate Investor $1,105 $14 1.41% Commercial Real Estate Owner Occ. $670 $27 1.08% Construction $205 $18 1.30% Residential Real Estate $260 $3 0.92% Multifamily $341 - 0.54% HELOC $105 $1 1
Slide 3: Criticized Loans and OREO
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 6/30/21 9/30/21 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 Office CRE Healthcare Other Criticized Loans
Slide 4: Loan Portfolio Composition by Origination and CRE Maturities
4 Loan Portfolio Composition by Origination (in millions) Maturity of Fixed-Rate CRE loans by quarter (in millions) Purchased Portfolio Segment Outstanding SNC Classified Multifamily $85 - - Manufacturing C&I $66 $8 $8 Construction $55 - - Industrial CRE $38 $28 - Office CRE $29 - $2 Mixed Use CRE $
Slide 5: Commercial Real Estate Investor Portfolio Composition
5 Property Type Outstanding LTV Classified Allowance Retail $305 55% - 1.01% Industrial $255 45% - 0.98% Office $210 59% $2 2.84% Hotel $66 52% - 1.24% Senior Living $66 55% - 0.89% Mixed-Use $65 65% $12 1.89% Parking Garage $50 47% - 0.90% Gas Station/ Convenience $47 51% - 0.87% Other (under $20 m
Slide 6: Office Commercial Real Estate Investor Portfolio Composition
6 Location Outstanding LTV Classified Allowance Illinois $179 61% $2 3.18% Chicago $34 69% - 3.38% Suburban $145 55% $2 3.14% Oklahoma $15 64% - 0.89% Texas $9 25% - 0.89% Colorado $6 54% - 0.89% Wisconsin $1 64% - 0.89% Total $210 59% $2 2.84% Office Commercial Real Estate Investor Portfolio Compos
Slide 7: Commercial Real Estate Owner-Occupied Portfolio Composition
7 Industry Outstanding Classified Allowance Health Care, Social Services $266 $19 2.25% Other Services $72 $3 0.37% Retail Trade $59 - 0.12% Manufacturing $57 $1 0.64% Real Estate, Leasing $50 - 0.21% Wholesale Trade $29 - 0.12% Arts, Entertainment $27 - 0.23% Accommodation, Food Service $22 $1 0.43
Slide 8: Commercial (including Leases) Portfolio Composition
8 Commercial & Industrial Outstanding Classified Manufacturing $426 $15 Construction $146 $2 Professional $112 - Transportation $110 - Administrative, Waste Service $80 - Wholesale Trade $73 $5 Health Care, Social Services $55 - Real Estate, Leasing $47 - Finance, Insurance $43 - Agriculture, Forest
Slide 9: Net Charge-offs (Recoveries)
9 Net Charge-offs (Recoveries) (in thousands) Portfolio 6/30/2024 (Q) 9/30/2024 (Q) 12/31/2024 (Q) 3/31/2025 (Q) 3/31/2025 (TTM) NCO(R) % Commercial (incl. Leases) $62 $36 $8,583 $3,507 $12,188 0.98% Commercial Real Estate Investor $4,560 ($149) ($173) ($14) $4,224 0.38% Office CRE $4,128 - - - $4,1