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Third Quarter 2026 Louis J. Torchio President and Chief Executive Officer T.K. Creal Chief Credit Officer Douglas M. Schosser Chief Financial Officer Michael D. Perry Corporate Development & Strategy Investor Relations Earnings Conference Call October 27, 2026
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2 Forward-looking Statements and Additional Information The information contained in this presentation may contain forward-looking statements. The words “believe,” “anticipate,” “estimate,” “expect,” “project,” “target,” “goal” and similar expressions are examples of language intended to identify forward-looking statements within the meaning of section 27A of the Securities Act of 1933 and section 21E of the Securities Exchange Act of 1934. These forward-looking statements include but are not limited to statements regarding our goals, intentions and expectations; our financial condition and results of operations, including statements related to our earnings outlook; future dividend payments; statements regarding our business plans, prospects, growth, customers, investments and operating strategies; the quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits. These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Such forward-looking statements are subject to certain risks, uncertainties, assumptions, and other important factors, including but not limited to the following: inflation and changes in the interest rate environment that reduce our margins, our loan origination, or the fair value of financial instruments; changes in asset quality, including increases in default rates on loans and higher levels of nonperforming loans and loan charge-offs generally; changes in laws, government regulations or supervision, examination and enforcement prioritiesaffecting financial institutions, including as part of the regulatory reform agenda of the Trump administration, as well as changes in regulatory fees and capital requirements; changes in federal, state, or local tax laws and tax rates; general economic conditions, either nationally or in our market areas, that are different than expected, including inflationary or recessionary pressures or those related to changes in monetary, fiscal, regulatory, tariff and international trade policies of the U.S. government, including policies of the U.S. Department of Treasury and Board of Governors of the Federal Reserve System, and any related increases in compliance and other costs; trade disputes, barriers to trade or the emergence of trade restrictions and the resulting impacts on market volatility and global trade; growing fiscal deficits; potential recession or slowing of growth in the U.S., Europe and other regions; volatility in fuel prices and the resulting macroeconomic impacts; developments in the Middle East; adverse changes in the securities and credit markets; instability or breakdown in the financial services sector, including failures or rumors of failures of other depository institutions, along with actions taken by governmental agencies to address such turmoil; cyber-security concerns, including an interruption or breach in the security of our website or other information systems and increased risks due to artificial intelligence; technological changes that may be more difficult or expensive than expected; changes in liquidity, including the size and composition of our deposit portfolio, and the percentage of uninsured deposits in the portfolio; the ability of third-party providers to perform their obligations to us; competition among depository and other financial institutions, including with respect to deposit gathering, service charges and fees; our ability to enter new markets successfully and capitalize on growth opportunities; our ability to manage our internal growth and our ability to successfully integrate acquired entities, businesses or branch offices; changes in consumer spending, borrowing and savings habits; our ability to continue to increase and manage our commercial and personal loans; possible impairments of securities held by us, including those issued by government entities and government sponsored enterprises; changes in the value of our goodwill or other intangible assets; the impact of the economy on our loan portfolio (including cash flow and collateral values), investment portfolio, customers and capital market activities; our ability to receive regulatory approvals for proposed transactions or new lines of business; the effects of any federal government shutdown or the inability of the federal government to manage debt limits; changes in the financial performance and/or condition of our borrowers; the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Securities and Exchange Commission (the “SEC”), the Public Company Accounting Oversight Board, the Financial Accounting Standards Board (“FASB”) and other accounting standard setters; changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for credit losses; our ability to access cost-effective funding; the effect of global or national war, geopolitical uncertainty, conflict, or terrorism; our ability to manage market risk, credit risk and operational risk; the disruption to local, regional, national and global economic activity caused by infectious disease outbreaks, and the significant impact that any such outbreaks may have on our growth, operations and earnings; the effects of natural disasters and extreme weather events; changes in our ability to continue to pay dividends, either at current rates or at all; our ability to retain key employees; and our compensation expense associated with equity allocated or awarded to our employees. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those anticipated, estimated, expected or projected. These and other risk factors are more fully described inour Annual Report on Form 10-K for the year ended December 31, 2025, including under the section entitled "Item 1A - Risk Factors," and in subsequent filings made by us with the SEC. These forward-looking statements speak only as of the date of this presentation. We expressly disclaim any obligation to publicly release any updates or revisions to reflect any change in our expectations with regard to any change in events, conditions or circumstances on which any such statement is based, unless required by law. Use of Non-GAAP Financial Measures This presentation contains financial information determined by methods other than in accordance with accounting principles ge nerally accepted in the United States of America (“GAAP”). Management uses these “non-GAAP” measures in its analysis of the Company’s performance. Management believes these non-GAAP financial measures allow for better comparability of period -to-period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non -GAAP performance measures that may be presented by other companies. See the end of this presentation for reconciliations of non -GAAP financial measures to the most directly comparable GAAP measures where applicable. 2
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3 FOUNDED 1896 TOTAL ASSETS $17.3B TOTAL DEPOSITS $14.3B TOTAL LOANS $13.4B FINANCIAL CENTERS 153 ROA 1.18% NIM * 3.70% * Non-GAAP financial measure; See "Use of non-GAAP Financial Measures” and Non-GAAP reconciliations herein. Northwest Bancshares At -A-Glance For the quarter ended September 30, 2026 ROE 10.42% ROTCE 13.86% Diluted EPS $0.34 Adjusted ROA* 1.18% Adjusted ROE* 10.45% Adjusted ROTCE* 13.91% Adjusted Diluted EPS* $0.35
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4 3Q 2026 Highlights Revenue Growth Net interest Income Balance Sheet Management Growth in national verticals and middle market drove momentum in the commercial loan portfolios Record net interest income performance and strong noninterest income drove record revenue Net interest income benefited from increased earning assets and higher securities yields +$201 MM $149 MM$185 MM 3Q26 Avg. C&I Loan Growth 3Q26 Revenue (A Record Quarter) 3Q26 Net Interest Income (A Record Quarter) +30.8% +9.5%+9.9% YOY Avg. C&I Loan Growth YOY Revenue Growth YOY Net Interest Income Growth * Non-GAAP financial measure; See "Use of non-GAAP Financial Measures” and Non-GAAP reconciliations herein. 13.86% Adjusted* Returns and Efficiency Record revenue in 3Q drove strong return metrics and efficiency performance 1.18% 3Q26 Returns 3Q26 Efficiency Ratios (ROAA) (ROTCE)* 58.9% 57.8% Adjusted* 1.18% Adjusted* 13.91%
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5 * Non-GAAP financial measure; See "Use of non-GAAP Financial Measures” and Non-GAAP reconciliations herein. | ** Capital information presented herein is based on estimates and subject to change pending the Company’s filing of its regulatory reports | (1) As Adjusted for merger and restructuring costs. | (2) Comparison includes day 1 non-PCD and unfunded provision expense 3Q 2026 Highlights • Net interest income grew $2 million or 1.4% QoQ benefiting from growth in average earning balances and increased securities portfolio yields • Revenue of $184.9 million in 3Q26 represented a 2.0% increase QoQ due to higher net interest income resulting from interest earning asset growth and strong noninterest income performance • Noninterest income improved by 5.0% QoQ and 11.6% YoY benefiting from an increase in service charges and fees and an increase in trust and other financial services income METRIC 3Q26 QoQΔ YoYΔ EPS $.34 -$.02 $.32 Adjusted EPS* $.35 -$.02 $.06 Net Interest Income $149.0 1.4% 9.5% Noninterest Income $35.9 5.0% 11.6% Revenue $184.9 2.0% 9.9% Noninterest Expense $109.0 4.5% -18.4% Pre-Tax Pre-Provision Net Revenue* as Adjusted(1) $76.1 -1.5% 15.5% Provision for Credit Losses $9.1 37.4% -70.8%(2) CET1 Ratio** 12.2% -4 bps -9 bps Efficiency Ratio 58.9% 138 bps -2044 bps Adjusted Efficiency Ratio* 57.8% 155 bps -184 bps ROTCE* 13.86% -108 bps [NM] ROTCE Adj.* 13.91% -112 bps 241 bps TBV per Common Share* $9.65 -$0.23 $0.28 Summary Comments
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6 13,094 (26) (3) 140 (104) 201 13,302 Q2 2026 Residential Home Equity Consumer CRE C&I Q3 2026 6.91 7.07 7.11 7.18 7.29 5.66 5.91 5.97 5.91 6.01 5.63% 5.65% 5.62% 5.61% 5.59% - 2.00 4.00 6.00 8.00 10.00 12.00 14.00 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Personal Banking Loans Commercial Banking Loans Loan Yield • Total loans grew$164 million in 3Q26 representing a 5% annualized growth rate with average loans growing $208 million QoQ • Average C&I loans increased $201 million, or 7.2% QoQ and $702 million, or 30.8% YoY driven by continued growth in the new verticals and the middle market portfolio • Total loan yield was relatively stable at 5.59% down 2 bps QoQ LOAN MIX CHANGE $ IN MILLIONS 3Q26 VS 2Q26 3Q26 VS 3Q25 AVERAGE BALANCES 3Q26 CHANGE $ CHANGE % CHANGE $ CHANGE % Residential mortgage 3,004 -26 -0.9% -156 -4.9% Home equity 1,491 -3 -0.2% 69 4.9% Consumer 2,798 140 5.3% 468 20.1% Commercial real estate 3,028 -104 -3.3% -350 -10.4% Commercial & industrial 2,981 201 7.2% 702 30.8% Total Loans 13,302 208 1.6% 733 5.8% Combined Loan Average Balances Loan Balances Loan Growth and Loan Yield $ Millions$ Billions Summary Comments 6
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7 8.09 8.41 8.47 8.52 8.54 5.21 5.36 5.58 5.61 5.60 1.55% 1.53% 1.48% 1.43% 1.44% - 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Demand and Savings Time and Money Market Cost of Deposits 14,134 27 (13) 74 1 (83) 14,140 Q2 2026 Demand Int-bearing demand Money market Savings Time Q3 2026 12,000 12,500 13,000 13,500 14,000 14,500 15,000 DEPOSIT MIX CHANGE $ IN MILLIONS 3Q26 VS 2Q26 3Q26 VS 3Q25 AVERAGE BALANCES 3Q26 CHANGE $ CHANGE % CHANGE $ CHANGE % Demand 3,129 27 0.9% 169 5.7% Interest-bearing demand 2,961 -13 -0.4% 179 6.4% Money market 2,803 74 2.7% 411 17.2% Savings 2,448 1 0.0% 105 4.5% Time 2,799 -83 -2.9% -20 -0.7% Total Deposits 14,140 6 0.0% 844 6.3% Deposit Balances Deposit Growth and Cost of Deposits $ Millions$ Billions Summary Comments 7 Change in Deposit Mix • Total deposits grew$113 million in 3Q26 with average deposits growing $6 million QoQ and $844 million YoY • Cost of deposits remained stable for the third quarter, increasing to 1.44%; up 1 bp QoQ, benefiting from proactive management of the overall portfolio • 37% of the CD portfolio matured in 3Q26 at a weighted-average rate of 3.10%, while new volumes came on at weighted-average cost of 2.97%
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8 375 4 2 0 0 1 370 Q2 2026 Borrowings Purchase Accounting Investments Loans Deposits Q3 2026 10,337 10,666 10,972 11,032 11,010 592 600 650 624 843 2.13% 2.14% 2.06% 2.00% 2.05% 0.90% 1.40% 1.90% 2.40% 2.90% 3.40% 3.90% 4.40% 6,000 7,000 8,000 9,000 10,000 11,000 12,000 13,000 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Interest Bearing Deposits Borrowings Cost of Funds - Net Interest Margin $ Millions $ Millions - Net Interest Income (FTE) and NIM (FTE) Trends Drivers of Net Interest Margin (FTE) Change Cost of Funds 8* Non-GAAP financial measure; See "Use of non-GAAP Financial Measures” and Non-GAAP reconciliations herein. $148 $150-$2 -$1 $1 $5 -$1 Summary Comments bps Net Interest Income FTE* ($ Millions) • Net interest margin decreased 5 bps to 3.70% in 3Q26 • Net interest income grew $2.0 million QoQ • Borrowings increased QoQ resulting in 4 bps of negative impact to net interest margin QoQ impacted by the redemption of sub- debt in 3Q26 which was a net benefit to borrowing costs • Purchase accounting accretion decreased QoQ • Securities portfolio yields continued to increase as cash flows reinvested at higher yields than the current portfolio • Cost of funds increased 5 bps to 2.05% 135 139 140 145 148 2 4 3 3 2 3.65% 3.69% 3.70% 3.75% 3.70% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Net Interest Income FTE* Purchase Accounting Accretion NIM FTE* 143137 148143 150
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9 -1 -3 0 14 -15 -11 2,5872,603 2Q26 Treasury Agency CMO Municipal Corporate Agency MBS Agency CMBS 3Q26 Municipal, 3% Treasury, 6% Corporate, 4% Agency MBS, 23% Agency CMO, 37% Agency CMBS, 27% $ Millions Securities Portfolio Securities Classification Securities Portfolio QoQ Change EOP Balance 9 Securities Portfolio Securities Yield (ACB)Amortized Cost 3.34% 3.27% HTM, 24% AFS, 76% Summary Comments • New securities purchases were consistent with the current composition of the portfolio and continue to strengthen an already strong source of liquidity • Portfolio yield continues to increase as new purchases come on at higher yields than the runoff portfolio; yield increased7 bps to 3.34% in the quarter • 24% of the portfolio is HTM to protect tangible common equity • While earnings benefited from the higher-rate environment, rising interest rates during 3Q26 negatively impacted AOCI through additional unrealized losses on the securities portfolio, consistent with industry-wide trends
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10 16.9 17.4 17.1 16.9 17.9 8.0 8.4 8.6 9.4 10.1 7.3 12.0 6.9 7.9 7.9 32.2 37.8 32.6 34.2 35.9 3Q25 4Q25 1Q26 2Q26 3Q26 Other Noninterest Income Trust and Other Financial Services Service Charges and Fees Noninterest Income • Noninterest income increased by $1.7 million or 5.0% QoQ, driven by service charges and fees and an increase in trust and other fund services income as the wealth management business continues to grow • Noninterest income increased $3.7 million or 11.6% YoY,benefiting from an increase in service charges and fees and an increase in trust and other financial services income $ Millions Summary Comments $ IN THOUSANDS 3Q26 VS 2Q26 3Q26 VS 3Q25 NONINTEREST INCOME 3Q26 CHANGE $ CHANGE % CHANGE $ CHANGE % Service charges and fees 17,935 1,027 6.1% 1,024 6.1% Trust and other financial services 10,108 659 7.0% 2,068 25.7% Other operating income 3,590 42 1.2% -394 -9.9% Gain on sale of SBA loans 1,081 -136 -11.2% 740 217.0% Bank-owned life insurance 2,222 209 10.4% 471 26.9% Mortgage banking income 363 -375 -50.8% -640 -63.8% Gain on real estate owned, net 315 295 (NM) 183 138.6% Gain on sale of investments 313 -23 -6.8% 277 (NM) Total Noninterest Income 35,927 1,698 5.0% 3,729 11.6% Noninterest Income
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11 63.0 65.1 58.3 63.5 63.9 39.2 44.2 45.1 40.4 44.8 31.3 4.2 0.6 0.4 0.2 133.5 113.5 104.0 104.3 109.0 59.6% 59.6% 57.8% 56.2% 57.8% 3Q25 4Q25 1Q26 2Q26 3Q26 Personnel Non-personnel Merger Adj. Efficiency Ratio* $ Millions Noninterest Expense Noninterest Expense Expense Mix and Efficiency Trend * Non-GAAP financial measure; See "Use of non-GAAP Financial Measures” and Non-GAAP reconciliations herein. $ IN THOUSANDS 3Q26 VS 2Q26 3Q26 VS 3Q25 NONINTEREST EXPENSE 3Q26 CHANGE $ CHANGE % CHANGE $ CHANGE % Compensation and employee benefits 63,931 455 0.7% 917 1.5% Processing expenses 17,452 504 3.0% 2,380 15.8% Premises and occupancy costs 8,943 449 5.3% 1,236 16.0% Office operations 3,651 -9 -0.2% 156 4.5% Professional services 3,094 -396 -11.3% 84 2.8% Federal deposit insurance premiums 3,169 3,460 -1189.0% -192 -5.7% Marketing expenses 2,662 300 12.7% 730 37.8% Merger, asset disposition and restructuring expense 238 -188 -44.1% -31,022 -99.2% Other 5,831 113 2.0% 1,184 25.5% Total Noninterest Expense 108,971 4,688 4.5% -24,527 -18.4% Summary Comments • Noninterest expense of $109 million in 3Q26 increased by $4.7 million QoQ • Non-personnel expense increased by $4 million due to an increase of $3 million in FDIC insurance premium expense for 3Q26, as the prior quarter included a benefit related to prior period assessment rate changes • Adjusted efficiency ratio* was 57.8% in 3Q26, down 184 bps YoY, highlighting the continued focus on expense management over the last year 3Q25 4Q25 1Q26 2Q26 3Q26 Efficiency Ratio 79.38% 63.09% 59.43% 57.56% 58.94% Adj. Efficiency Ratio* 59.63% 59.57% 57.82% 56.24% 57.79%
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12 12,941 13,007 13,056 13,229 13,393 1.22% 1.15% 1.15% 1.13% 1.12% 3Q25 4Q25 1Q26 2Q26 3Q26 Loan Balances Allowance to Loans 11.2 5.7 5.0 4.3 5.2 20.2 0.29% 0.40% 0.16% 0.15% 0.15% 0 5 10 15 20 25 30 35 3Q25 Breakout 4Q25 1Q26 2Q26 3Q26 Provision for Credit Losses - Loans Net Charge-offs to Average Loans 149.3 5.2 (4.9) 149.6 2Q26 Provision Expense Charge-offs 3Q26 Total Loans and Allowance Coverage Net Charge-offs and Provision Allowance QoQ Change 12 Allowance for Credit Losses $ Millions Acquisition Day 1 non-PCD Summary Comments • Overall ACL coverage was relatively stable at 1.12%, down 1 bp from 2Q26 • Quarterly annualized net charge-offs of 15 bps in 3Q26 were below full year guidance levels • The total provision for credit losses for the quarter ended 3Q26 was $5.2 million primarily driven by growth in our commercial lending portfolio
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13 12.9 13.0 13.1 13.2 13.4 1.00% 0.83% 0.70% 0.70% 0.76% 3Q25 4Q25 1Q26 2Q26 3Q26 Loans+OREO NPA/(Loans+OREO) 50.1 97.0 84.9 51.7 53.2 94.0 99.2 88.5 61.8 63.7 1.11% 1.51% 1.33% 0.86% 0.87% 3Q25 4Q25 1Q26 2Q26 3Q26 Consumer Loans Commercial Loans Delinquency Percentage Credit Quality Summary Comments Nonperforming Assets / (Loans + OREO) 13 30 Day Plus Loan Delinquency $ Millions $ Billions • Total delinquency remained flat QoQ, as increased delinquency in the SBA portfolio was offset by improved performance in the CRE portfolio • NPAs increased to 0.76% in 3Q26 while 90 day plus delinquency decreased from 0.49% to 0.36% QoQ driven by improved performance in the regional and long-term health care portfolios including the effective resolution of loans in the work-out stage 116.9 144.1 196.1 173.4 113.5
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14 81.2 -38.3 -4.9 -93.1 524.1 469.0 2Q26 Downgrades Upgrades Charge-offs Payoffs 3Q26 Other Non RE Collateral 20.3% Nursing Home 9.2% Commercial Office Building 6.1% 5 or More Unit Dwelling 6.2% Retail Building 4.1% Multi-Use Bldg (comm/retl & residential) 2.5% Other Medical Facility 2.3% All Others ~20 other property types 49.3% 527.0 453.4 497.6 524.1 469.0 4.07% 3.49% 3.81% 3.96% 3.50% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 400.0 420.0 440.0 460.0 480.0 500.0 520.0 540.0 3Q25 4Q25 1Q26 2Q26 3Q26 Classified Loans Classified Loans to Total Loans $ Millions Summary Comments Classified Loans by Collateral Type Change in Classified Loans QoQ Classified Loans 14 Credit Quality Breakdown $ Millions 3.5% of Total Loans Outstanding • Total Classified Loans decreased to $469 million representing 3.50% of total loans as of 3Q26 driven by payoffs and upgrades in the portfolio • Classified Other Non RE Collateral remained relatively stable, increasing slightly from 19.9% in 2Q26 to 20.3% in 3Q26 • Classified Nursing Home exposure decreased from 17.0% in 2Q26 to 9.2% in 3Q26 including $30 million in classified loans that were repaid during the quarter.
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15 2026 Outlook(1) * Non-GAAP financial measure; See "Use of non-GAAP Financial Measures” and Non-GAAP reconciliations herein | (1) The reconciliation with respect to forward-looking non-GAAP measures is expected to be consistent with actual non-GAAP reconciliations included in the appendix 2025 Baseline FY2026 (vs. FY2025) Loan Balance EOP Deposit Balance EOP $13.0 Billion $13.9 Billion Loan Growth: Low to Mid single digits Deposit Growth: Low single digits Net Interest Margin (FTE)* 3.69% Low 370s bps Noninterest Income $129.3 Million $125 Million – $130 Million Noninterest Expense* (ex. Merger) $393.5 Million $420 Million - $430 Million Net Charge-offs $29.5 Million 20 bps – 27 bps Revenue $710 Million - $730 Million$655 Million Tax Rate ~23%~23% Unchanged High 4Q26: 373 bps Exceed High Low ~24% FY Outlook Legend: Revised 3Q FY Outlook
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16 * Dollars in thousands, except per share amounts Non-GAAP Reconciliation 1
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17 * Dollars in thousands, except per share amounts Non-GAAP Reconciliation 2
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18 * Dollars in thousands, except per share amounts Non-GAAP Reconciliation 3
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19 * Dollars in thousands, except per share amounts Non-GAAP Reconciliation 4
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20 Appendix
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21 • Granular diversified deposit book, average balance of more than $19,900 • Customer deposits consist of over 715,000 accountswith an average tenure of more than 12.6 years • Time deposits continue to have a short duration Funding MixEarning Asset Mix • The loan portfolio remains slightly asset sensitive with growth in floating rate commercial loans • Consumer loans, which are primarily vehicle loans, are fixed but with shorter duration *Interest rate reset period Earning Asset & Funding Mix Distribution Total % Fixed % Floating % Periodic % Securities 15% 97% 0% 3% Residential mortgage 19% 94% 4% 2% Home equity 9% 55% 45% 0% Consumer 19% 98% 2% 0% Commercial real estate 19% 17% 40% 43% Commercial 19% 24% 74% 2% Total 100% 64% 27% 9% Distribution Total % < 1 Year * > 1 Year * Demand 21% 100% 0% Interest-bearing demand 20% 100% 0% Money market 19% 100% 0% Savings 16% 99% 1% Time 18% 95% 5% Borrowings 6% 96% 6% Total 100% 98% 2%
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22 Retail Building, 12.9% 5 or More Unit Dwelling, 11.6% Manufacturing & Industrial Building, 8.4% Commercial Office Building - NOO, 8.4% Nursing Home, 5.7% All Others ~30 other property types, 53.0% Real Estate and Rental and Leasing 30.8% Manufacturing 11.7% Arts, Entertainment, and Recreation 8.4% Construction 7.8% Health Care and Social Assistance 5.1% All Others ~16 other industries 36.2% 512 433 337 366 394 353 303 241 235 243 3Q25 4Q25 1Q26 2Q26 3Q26 Commitment Outstanding $ Millions • Commercial loan growth in 3Q26 was driven by multiple lines of business led by the specialty verticals and middle market • Regulatory CRE concentrationat 3Q26 is 126% (estimated)of target Tier 1 + ACL and remains well inside of policy thresholds. Increased commitments in the industrial and LIHTC sectors drove the growth in CRE lending. • The CRE lending strategy continues to focus on stronger credit profiles and well-performing asset classes including the industrial and retail sectors • 3Q26 Nursing and Residential Care Facilities outstanding balance of 182MM represented a 22% reduction from 2Q26 Commercial Loan Distribution & CRE Concentration Summary Comments Commercial Commitments by Industry Construction & Land Development Portfolio Total Commercial Loan Outstanding by Property Type $3.1B 25% of Total Loans Outstanding $7.8B 48% of Total Loan Commitments