EX-99.2 3 a4q25earningspresentatio.htm EX-99.2 a4q25earningspresentatio
Exhibit 99.2

 
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8              

 
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10 $109mm returned to shareholders during 4Q25 Over 50% (21bp) of organically generated regulatory capital returned to shareholders during 4Q25    

 
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• • • • • • • • • • • • • • • • • • • • 13

 
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• • • • • • • • • • • • • • • • • • • • 16

 
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19 • • • • • • • • • • • • • • • • • •

 
20 1

 
0.99 % 1.03 % 21

 
22 2Q25 3Q25 4Q25

 
23 0.11% 0.28% 0.47% 0.88% 0.18% 0.19% 0.16% 0.21% 0.03% 0.10% 0.21% 0.43% 0.47% 0.53% 0.57% 0.62% 0.08% 0.13% 0.25% 0.43% 0.45% 0.43% 0.36% 0.18% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Annualized CRE NCOs / Avg. CRE Loans Cumulative CRE NCOs / Avg. CRE Loans Rolling 4 Qtr Annualized CRE NCOs / Avg. CRE Loans

 
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1Q26 2Q26 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 2028 2029 2030 2031 2032 2033 + 30

 
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