Slide 1: Second Quarter 2026 Earnings Presentation
Second Quarter 2026 Earnings Presentation July 23, 2026
Slide 2: Cautionary Note Regarding Forward-Looking Statements
Cautionary Note Regarding Forward-Looking Statements Certain matters set forth herein constitute “forward-looking statements” within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements that are not statements of historic
Slide 3: 2Q-2026 Highlights vs 1Q-2026
2Q-2026 Highlights vs 1Q-2026 Net Income Diluted EPS ROAA (1) ROAE (1) NIM Efficiency $8.0M $0.53 1.18% 13.61% 3.08% 57.64% • Net income of $8.0 million, compared to $7.2 million • Diluted earnings per share of $0.53, compared to $0.48 Earnings & Profitability • ROAA(1) and ROAE(1) of 1.18% and 13.6
Slide 4: Balance Sheet Trend
Balance Sheet Trend Total Assets ($mm) Gross Loans ($mm) Total Deposits ($mm) Total Equity ($mm) & Book Value Per Share ($) 4
Slide 5: Loan Trend
Loan Trend Loan Composition ($mm) Loan Originations* ($mm) Loan Yields (%) Commercial Real Estate Concentration (%) * Excludes changes in line utilization. 5
Slide 6: Loan by Interest Rate Type
Loan by Interest Rate Type Composition by Interest Rate Type (%) Hybrid Loan Repricing Schedule ($mm) Contractual Rates by Interest Rate Type (%) Loan Maturity Schedule ($mm) 6
Slide 7: Commercial Real Estate Portfolio
Commercial Real Estate Portfolio CRE* Portfolio by Collateral Type CRE* Portfolio by Property Type June 30, 2026 ($1.40 billion) * Based on Call Report definitions, which includes real estate loans and SBA real estate loans. 7
Slide 8: Commercial Real Estate Portfolio
Commercial Real Estate Portfolio CRE Portfolio * by Location CRE Portfolio ** by Loan-to-Value Ratio (LTV) * Based on Call Report definitions, which includes real estate loans and SBA real estate loans. ** Excludes SBA loans and USDA loans. 8
Slide 9: Home Loan Portfolio
Home Loan Portfolio Home Loan Portfolio by Location Home Loan Portfolio by LTV June 30, 2026 ($569 million) Home Loan Portfolio by Occupancy Type 9
Slide 10: SBA Loans
SBA Loans SBA Portfolio by Location SBA Portfolio by Industry June 30, 2026 ($279 million) 10
Slide 11: SBA Loans
SBA Loans SBA Portfolio* by LTV SBA Portfolio by Collateral Type * Excludes $24.1 million in SBA C&I loans. 11
Slide 12: Deposit Trend
Deposit Trend Deposit Composition ($mm) Noninterest Bearing Deposits ($mm) Cost of Deposits (%) CD Maturity Schedule ($mm) 12
Slide 13: Earnings & Profitability
Earnings & Profitability Net Interest Income ($mm) & Net Interest Margin (%) * Noninterest Income ($mm) Interest Income & Interest Expense ($mm) Noninterest Income Components ($mm) * Annualized. 13
Slide 14: Earnings & Profitability
Earnings & Profitability Noninterest Expense ($mm) Efficiency Ratio (%) Noninterest Expense Components ($mm) Efficiency Ratio Components (%) * * Ratios for Efficiency Ratio Components are percentages of average assets and are annualized. 14
Slide 15: Earnings & Profitability
Earnings & Profitability (Reversal of) Provision for Credit Losses ($mm) Pre-Provision Net Revenue ($mm)* Net Income ($mm) & Diluted EPS ($) Return on Assets & Return on Equity (%) * Pre-provision net revenue is a non-GAAP financial measure. See reconciliation of GAAP to non-GAAP measures on Page 19
Slide 16: Net Interest Margin Trend
Net Interest Margin Trend Source: Target Fed Funds Rate per Federal Open Market Committee guidance. 16
Slide 17: Credit Quality
Credit Quality Nonperforming Loans ($mm) Criticized Loans ($mm) Allowance for Credit Losses* ($mm) Net Charge-Offs (Recoveries)** ($mm) * Exclude the guaranteed portion of SBA loans that are in liquidation. ** Annualized 17
Slide 18: Liquidity & Capital
Liquidity & Capital Liquidity Assets ($mm) Total Available Liquidity* ($mm) Tier 1 Leverage ($mm) Total Risk Based Capital ($mm) * Represent the sum of liquid assets and available borrowings. 18
Slide 19: Non-GAAP Reconciliation
Non-GAAP Reconciliation Pre-Provision Net Revenue Pre-provision net revenue removes provision for credit losses and income tax expense. Management believes that this non-GAAP measure, when taken together with the corresponding GAAP financial measures (as applicable), provides meaningful supplemental