Slide 1: Net Income
Net Income $223.0 $216.3 $195.5 $150 $125 $100 $75 Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026 wn x a 2 g -} z A | a
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)
Pre-tax income, excluding provision for credit losses (non-GAAP) $360 4 $341.1 $340 $320 $300 $280 a i = z A | a $260 $240 $220 $200 T T T T T Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026
Slide 3: Pre-tax income, excluding provision (non-GAAP): Q2 2026 compared to Q1 2026
2 Z = | z = F Pre-tax income, excluding provision for credit losses (non-GAAP) - $375 $350 $325 $300 $275 $250 Q2 2026 compared to Q1 2026 $330.5 T T T T T T T T T T Ql 2026 Net Wealth Mortgage Gains All Salaries Advertising FDIC All Interest Management Banking (losses)on Other and and Special Other
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") 2 g } z = a Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Total Assets
Total Assets 2 < = a & a T T T T T Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026
Slide 6: Total Loans
Total Loans 2 < = a & a Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026
Slide 7: Total Deposits
Total Deposits 2 < = a A | a T T T T T Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026
Slide 8: Series F Preferred Stock issuance note
*On May 22, 2025, the Company completed the issuance of $425 million of Series F Preferred Stock. The issuance was in contemplation of redeeming $412.5 million of Series D and Series E Preferred Stock that was expected to reprice at rates higher than existing market rates. The Series D and Series E
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets Q2 2025 Q3 2025 Q4 2025 QI 2026 Q2 2026
Slide 10: Selected financial highlights and non-GAAP measures
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 341,098 330,534 289,322 3 18 Cash dividends declared per common share 0.55 0.55 0.50 — 10 Net interest income 597,366 579,024 546,694 3 9 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.52 3.56 3.54 (4) (2) Return o
Slide 11: Provision and net charge-offs by loan category
First Quarter 2026 (3) 20 — Third Quarter 2025 (19) (28) (25) Provision for credit losses 23,134 29,594 27,588 21,768 22,234 52,728 46,197 Charge-offs: Commercial real estate 707 7,260 5,625 144 5,711 7,967 6,165 Residential real estate 163 350 — 26 — 513 — Premium finance receivables - life insuran