Investor Presentation Third Quarter 2022

Safe Harbor Statement and Disclaimer Forward-Looking Statements In this presentation, “we,” “our,” “us,” “Five Star" or “the Company” refers to Five Star Bancorp, a California corporation, and our consolidated subsidiaries, including Five Star Bank, a California state- chartered bank, unless the context indicates that we refer only to the parent company, Five Star Bancorp. This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections and statements of the Company’s beliefs concerning future events, business plans, objectives, expected operating results and the assumptions upon which those statements are based. Forward-looking statements include without limitation, any statement that may predict, forecast, indicate or imply future results, performance or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan” or words or phases of similar meaning. The Company cautions that the forward-looking statements are based largely on the Company’s expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company’s control. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company’s control) and are subject to risks and uncertainties, which change over time, and other factors which could cause actual results to differ materially from those currently anticipated. New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. If one or more of the factors affecting the Company’s forward-looking information and statements proves incorrect, then the Company’s actual results, performance or achievements could differ materially from those expressed in, or implied by, forward-looking information and statements contained in this press release. Therefore, the Company cautions you not to place undue reliance on the Company’s forward-looking information and statements. Important factors that could cause actual results to differ materially from those in the forward-looking statements are set forth in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021 under the section entitled “Risk Factors,” and other documents filed by the Company with the Securities and Exchange Commission from time to time. The Company disclaims any duty to revise or update the forward-looking statements, whether written or oral, to reflect actual results or changes in the factors affecting the forward-looking statements, except as specifically required by law. Industry Information This presentation includes statistical and other industry and market data that we obtained from government reports and other third-party sources. Our internal data, estimates, and forecasts are based on information obtained from government reports, trade, and business organizations and other contacts in the markets in which we operate and our management’s understanding of industry conditions. Although we believe that this information (including the industry publications and third-party research, surveys, and studies) is accurate and reliable, we have not independently verified such information. In addition, estimates, forecasts, and assumptions are necessarily subject to a high degree of uncertainty and risk due to a variety of factors. Finally, forward-looking information obtained from these sources is subject to the same qualifications and the additional uncertainties regarding the other forward-looking statements in this presentation. Unaudited Financial Data Numbers contained in this presentation for the quarter ended September 30, 2022 and for other quarterly periods are unaudited. Additionally, all figures presented as year-to-date, except for periods that represent a full fiscal year ended December 31, represent unaudited results. As a result, subsequent information may cause a change in certain accounting estimates and other financial information, including the Company’s allowance for loan losses, fair values, and income taxes. Non-GAAP Financial Measures The Company uses financial information in its analysis of the Company’s performance that is not in conformity with accounting principles generally accepted in the United States of America (“GAAP”). The Company believes that these non-GAAP financial measures provide useful information to management and investors that is supplementary to the Company’s financial condition, results of operations, and cash flows computed in accordance with GAAP. However, the Company acknowledges that its non-GAAP financial measures have a number of limitations. See the appendix to this presentation for a reconciliation of these non-GAAP measures to the most directly comparable GAAP financial measures. Third Quarter 2022 Investor Presentation | 2

Agenda Third Quarter 2022 Investor Presentation | 3 •Company Overview •Financial Highlights •Loans and Credit Quality •Deposit and Capital Overview •Financial Results

Company Overview Third Quarter 2022 Investor Presentation | 4

Company Overview Nasdaq: Headquarters: Asset Size: Loans Held for Investment: Deposits: Bank Branches: Third Quarter 2022 Investor Presentation | 5 FSBC Rancho Cordova, California $3.1 billion $2.6 billion $2.6 billion 7 Note: Balances are as of September 30, 2022. Five Star is a community business bank that was founded to serve the commercial real estate industry. Today, the markets we serve have expanded to meet customer demand and now include manufactured housing and storage, faith-based, government, nonprofits, and more.

Executive Team Third Quarter 2022 Investor Presentation | 6 James Beckwith President and Chief Executive Officer Five Star since 2003 John Dalton Senior Vice President and Chief Credit Officer Five Star since 2011 Mike Lee Senior Vice President and Chief Regulatory Officer Five Star since 2005 Michael Rizzo Senior Vice President and Chief Banking Officer Five Star since 2005 Brett Wait Senior Vice President and Chief Information Officer Five Star since 2011 Lydia Ramirez Senior Vice President and Chief Operations and Chief DE&I Officer Five Star since 2017 Heather Luck Senior Vice President and Chief Financial Officer Five Star since 2018 Shelley Wetton Senior Vice President and Chief Marketing Officer Five Star since 2015

Financial Highlights Third Quarter 2022 Investor Presentation | 7

$547 $565 $604 $811 $840 $973 $1,272 $1,480 $1,954 $2,557 $2,778 $2,836 $3,075 $1,806 $2,535 $2,776 $148 $22 $2 Total Assets Excluding PPP Loans PPP Loans 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Q1 2022 Q2 2022 Q3 2022 Consistent and Organic Asset Growth Third Quarter 2022 Investor Presentation | 8 Note: Dollars are in millions. Balances are end of period. References to PPP are the Paycheck Protection Program. 1. CAGR is based upon balances as of September 30, 2022. 2. A reconciliation of this non-GAAP measure is set forth in the appendix. (2) CAGR (1) 5 years 10 years Total Assets 25.88 % 18.85 %

Financial Highlights Third Quarter 2022 Investor Presentation | 9 (dollars in millions) For the three months ended 9/30/2022 6/30/2022 9/30/2021 Profitability Net income $ 11.7 $ 10.0 $ 11.0 Return on average assets ("ROAA") 1.60 % 1.45 % 1.85 % Return on average equity ("ROAE") 19.35 % 17.20 % 19.26 % Earnings per share (basic and diluted) $ 0.68 $ 0.58 $ 0.64 Net Interest Margin Net interest margin 3.84 % 3.70 % 3.60 % Average loan yield 4.74 % 4.47 % 4.90 % Average loan yield, excluding PPP loans(1) 4.74 % 4.47 % 4.66 % PPP income $ — $ 0.02 $ 1.8 PPP loans forgiven, paid off, and charged off $ — $ 1.5 $ 59.4 Total cost of funds 0.62 % 0.24 % 0.17 % 9/30/2022 12/31/2021 Asset Quality Nonperforming loans to loans held for investment(2) 0.02 % 0.03 % Allowance for loan losses to loans held for investment(2) 1.08 % 1.20 % # of PPP loans outstanding — 60 Balance of PPP loans outstanding $ — $ 22.1 # of loans in a COVID-19 deferment period — 6 Balance of loans in a COVID-19 deferment period $ — $ 12.2 Note: Yields are based on average balance and annualized quarterly interest income. 1. A reconciliation of this non-GAAP measure is set forth in the appendix. 2. Loans held for investment are the equivalent of total loans outstanding at each period end.

Financial Highlights Third Quarter 2022 Investor Presentation | 10 Growth • Continued balance sheet growth with $202.5 million of growth in loans held for investment and $113.0 million in deposit growth since June 30, 2022. Funding • For the most recent quarter ended, non-interest-bearing deposits comprised 39.04% of total deposits, compared to 40.22% at the end of the trailing quarter and 39.46% for the year ended December 31, 2021. • Deposits comprised 92.21% of total liabilities as of September 30, 2022, as compared to 96.10% of total liabilities as of June 30, 2022 and 98.46% of total liabilities as of December 31, 2021. Capital • All capital ratios were above well-capitalized regulatory thresholds as of September 30, 2022 and December 31, 2021. • On July 22, 2022, the Company announced a cash dividend of $0.15 per share.

Loans and Credit Quality Third Quarter 2022 Investor Presentation | 11

To ta l L oa ns (M ill io ns ) $148 $183 $121 $61 $22 $2 4.93% 5.28% 5.45% 4.96% 4.95% 4.73% 4.90% 4.71% 4.53% 4.47% 4.74% Non-PPP Loans PPP Loans Average Loan Yield Average Loan Yield Excluding PPP Loans 2017 2018 2019 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 $2,200 $2,400 $2,600 $2,800 Consistent Loan Growth Third Quarter 2022 Investor Presentation | 12 Note: Loan balances are end of period loans held for investment. Yields are based on average balance and annualized quarterly interest income. 1. CAGR is based upon balances as of September 30, 2022. 2. A reconciliation of this non-GAAP measure is set forth in the appendix. (2) CAGR (1) 5 years Total Loans 27.32 %

Loan Portfolio Composition Third Quarter 2022 Investor Presentation | 13 Commercial real estate 86.0% Commercial land and development 0.5% Commercial construction 2.9% Residential construction 0.2% Residential 0.9% Farmland 2.1% Secured 5.5% Unsecured 1.0% PPP 0.0% Consumer and other 0.9% Types of collateral securing commercial real estate ("CRE") loans Loan Balance ($000s) # of Loans % of CRE Manufactured home community $ 592,051 284 26.67 % Retail $ 264,764 79 11.92 % RV Park $ 227,507 78 10.25 % Multifamily $ 192,848 80 8.69 % Industrial $ 166,271 113 7.49 % Mini storage $ 154,143 39 6.94 % Faith-based $ 144,676 82 6.52 % Office $ 143,720 91 6.47 % All other types (1) $ 334,287 147 15.05 % Total $ 2,220,267 993 100.00 % Note: Balances are net book value as of period end, before allowance for loan losses, before deferred loan fees, and exclude loans held for sale. 1. Types of collateral in “all other types” are those that individually make up less than 5% CRE concentration.

$592M $265M $228M $193M $166M $154M $145M $144M $334M $1,016M $500M $391M $437M $362M $281M $386M $313M $691M Loan Balance Collateral Value Manufactured home community Retail RV Park Multifamily Industrial Mini storage Faith-based Office All other types $0M $200M $400M $600M $800M $1,000M $1,200M CRE Collateral Values Third Quarter 2022 Investor Presentation | 14 (1) Note: Balances are net book value as of period end, before allowance for loan losses, before deferred loan fees, and exclude loans held for sale. 1. Types of collateral in “all other types” are those that individually make up less than 5% CRE concentration.

Loan Portfolio Diversification We focus primarily on commercial lending, with an emphasis on commercial real estate. We offer a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial land and construction, and farmland loans. To a lesser extent, we also offer residential real estate, construction real estate, and consumer loans. Third Quarter 2022 Investor Presentation | 15Note: Balances are net book value as of period end, before allowance for loan losses, before deferred loan fees, and exclude loans held for sale. Loans by Type Loans by Purpose Real Estate Loans by Geography CML Term CRE NOO, 38.3% CML Term Multifamily, 30.2% CML Term CRE OO, 16.9% CML Const CRE, 2.9% CML Secured, 2.9% CML Term Ag RE, 2.1% SBA 7A Secured, 1.8% Others, 4.9% CA, 63.5% TX, 5.5% AZ, 4.2% NV, 3.1% OR, 2.7% FL, 2.3% NC, 1.9% CO, 1.8% WI, 1.4% MO, 1.1% WA, 1.1% ID, 1.0% Other, 10.4%CRE Manufactured Home, 22.9% CRE Other, 10.7% CRE Retail, 10.2% CRE RV Park, 8.8% CRE Multifamily, 7.5% CRE Industrial, 6.4% CRE Mini Storage, 6.0% CRE Faith Based, 5.6% CRE Office, 5.6% Commercial Other, 4.9% Commercial Construction, 3.1% CRE Mixed Use, 3.1% CRE Agricultural, 2.0% Commercial SBA 7A, 1.8% Other, 1.4%

Loan Rollforward Third Quarter 2022 Investor Presentation | 16Note: Dollars are in millions. Beginning and ending balances are as of period end, before allowance for loan losses, including deferred loan fees, and excluding loans held for sale. Q4 2021 Q1 2022 Q2 2022 Q3 2022 Beginning Balance $ 1,707 $ 1,936 $ 2,081 $ 2,381 Non-PPP Originations 462 313 440 321 PPP Originations — — — — Non-PPP Payoffs and Paydowns (194) (147) (138) (119) PPP Forgiveness and Repayments (39) (21) (2) — Ending Balance $ 1,936 $ 2,081 $ 2,381 $ 2,583

Asset Quality Our primary objective is to maintain a high level of asset quality in our loan portfolio. In order to maintain our strong asset quality, we: – Place emphasis on our commercial portfolio, where we reevaluate risk assessments as a result of reviewing commercial property operating statements and borrower financials – Monitor payment performance, delinquencies, and tax and property insurance compliance – Design our practices to facilitate the early detection and remediation of problems within our loan portfolio – Employ the use of an outside, independent consulting firm to evaluate our underwriting and risk assessment process Third Quarter 2022 Investor Presentation | 17 Nonperforming Loan Trend Allowance for Loan Losses and Net Charge-off Trend Note: References to loans HFI are loans held for investment, which are the equivalent of total loans outstanding at each period end. References to average loans HFI are average loans held for investment during the period. $3.1M $2.1M $0.8M $0.5M $0.6M $1.3M $0.4M $0.4M 0.41% 0.22% 0.07% 0.03% 0.03% 0.06% 0.02% 0.02% Nonperforming Loans Nonperforming Loans to Loans HFI 2017 2018 2019 2020 2021 Q1 2022 Q2 2022 Q3 2022 1.25% 1.21% 1.26% 1.48% 1.20% 1.15% 1.08% 1.08% 0.03% 0.23% 0.21% 0.12% 0.04% 0.01% 0.02% 0.01% Allowance for Loan Losses to Loans HFI Net Charge-offs to Average Loans HFI 2017 2018 2019 2020 2021 Q1 2022 Q2 2022 Q3 2022

Allocation of Allowance for Loan Losses Third Quarter 2022 Investor Presentation | 18 (dollars in thousands) December 31, 2021 March 31, 2022 June 30, 2022 September 30, 2022 Allowance for Loan Losses Amount % of Total Amount % of Total Amount % of Total Amount % of Total Collectively evaluated for impairment Real estate: Commercial $ 12,869 55.37 % $ 13,868 58.01 % $ 16,621 64.46 % $ 18,309 65.76 % Commercial land & development 50 0.22 % 66 0.28 % 68 0.26 % 98 0.35 % Commercial construction 371 1.60 % 430 1.80 % 508 1.97 % 546 1.96 % Residential construction 50 0.22 % 40 0.17 % 51 0.20 % 41 0.15 % Residential 192 0.83 % 208 0.87 % 188 0.73 % 175 0.63 % Farmland 645 2.78 % 611 2.56 % 616 2.39 % 664 2.39 % Total real estate loans 14,177 61.02 % 15,223 63.69 % 18,052 70.01 % 19,833 71.24 % Commercial: Secured 6,687 28.77 % 6,400 26.77 % 6,132 23.78 % 6,217 22.33 % Unsecured 207 0.89 % 246 1.03 % 265 1.03 % 278 1.00 % PPP — — % — — % — — % — — % Total commercial loans 6,894 29.66 % 6,646 27.80 % 6,397 24.81 % 6,495 23.33 % Consumer and other 889 3.82 % 1,088 4.55 % 537 2.08 % 536 1.93 % Unallocated 1,111 4.78 % 308 1.29 % 648 2.51 % 829 2.98 % Individually evaluated for impairment Commercial secured 172 0.72 % 639 2.67 % 152 0.59 % 145 0.52 % Total allowance for loan losses $ 23,243 100.00 % $ 23,904 100.00 % $ 25,786 100.00 % $ 27,838 100.00 %

Risk Grade Migration Third Quarter 2022 Investor Presentation | 19 Classified Loans (Loans Rated Substandard or Doubtful) (dollars in thousands) 2020 2021 Q1 2022 Q2 2022 Q3 2022 Real estate: Commercial $ 35,543 $ 9,256 $ 901 $ 888 $ 110 Commercial land & development — — — — — Commercial construction — — — — — Residential construction — — — — — Residential 183 178 177 176 175 Farmland — — — — — Commercial: Secured 132 1,180 1,920 152 144 Unsecured — — — — — Paycheck Protection Program (PPP) — — — — — Consumer and other — — 12 27 27 Total $ 35,858 $ 10,614 $ 3,010 $ 1,243 $ 456 % o f L oa n Po rt fo lio O ut st an di ng , b y Ri sk G ra de 96.01% 99.00% 99.19% 99.03% 99.13% 1.61% 0.45% 0.67% 0.92% 0.85% 2.38% 0.55% 0.14% 0.05% 0.02% Pass Watch Substandard Doubtful 2020 2021 Q1 2022 Q2 2022 Q3 2022 Note: Loan portfolio outstanding is the total balance of loans outstanding at period end, before deferred loan fees, before allowance for loan losses, and excluding loans held for sale.

Deposit and Capital Overview Third Quarter 2022 Investor Presentation | 20

Diversified Funding Third Quarter 2022 Investor Presentation | 21 Total Deposits(1) = $2.6 billion 92.2% of Total Liabilities Liability Mix 1. Balance as of September 30, 2022. 2. Loan balance in loan to deposit ratio is total loans held for investment and sale at period end. Loan(2) to Deposit Ratio Non-Interest-Bearing Deposits to Total Deposits 89.7% 83.2% 90.5% 84.5% 85.1% 83.5% 95.7% 99.2% 2017 2018 2019 2020 2021 Q1 2022 Q2 2022 Q3 2022 30.5% 29.0% 29.6% 39.3% 39.5% 37.6% 40.2% 39.0% 2017 2018 2019 2020 2021 Q1 2022 Q2 2022 Q3 2022 Money Market & Savings, 39.9% Non-Interest-Bearing Demand, 36.0% Interest-Bearing Demand, 8.0% Time Deposits, 8.3% Borrowings & Subordinated Debt, 7.3% Other Liabilities, 0.5%

$1.2B $1.3B $1.8B $2.3B $2.5B $2.5B $2.6B $600M $708M $889M $1,001M $1,012M $1,070M $1,131M $337M $389M $701M $902M $941M $1,006M $1,021M $124M $119M $146M $279M $371M $221M $227M $100M $97M $48M $104M $179M $204M $236M Money Market & Savings Non-Interest-Bearing Demand Interest-Bearing Demand Time Deposits 2018 2019 2020 2021 Q1 2022 Q2 2022 Q3 2022 Strong Deposit Growth Third Quarter 2022 Investor Presentation | 22 Note: Balances are end of period. Cost of total deposits is based on total average balance of interest-bearing and non- interest-bearing deposits and annualized quarterly deposit interest expense. 1. CAGR is based upon balances as of September 30, 2022. Cost of Total Deposits 0.55% 0.81% 0.44% 0.11% 0.09% 0.17% 0.43% CAGR (1) 4 years Total Deposits 22.49 %

Capital Ratios Third Quarter 2022 Investor Presentation | 23 Tier 1 Leverage Ratio Tier 1 Capital to RWA Total Capital to RWA Common Equity Tier 1 to RWA Note: References to RWA are risk-weighted assets. 8.26% 6.81% 7.51% 6.58% 9.47% 8.65% 2017 2018 2019 2020 2021 Q3 2022 9.32% 7.48% 8.21% 8.98% 11.44% 9.22% 2017 2018 2019 2020 2021 Q3 2022 9.32% 7.48% 8.21% 8.98% 11.44% 9.22% 2017 2018 2019 2020 2021 Q3 2022 13.23% 10.79% 11.52% 12.18% 13.98% 13.96% 2017 2018 2019 2020 2021 Q3 2022

Financial Results Third Quarter 2022 Investor Presentation | 24

Earnings Track Record Third Quarter 2022 Investor Presentation | 25 $10.9M $10.6M $13.3M $14.1M $14.5M $16.3M $18.8M $10.7M $10.6M $13.3M $12.6M $13.5M $14.0M $16.5M Pre-tax, pre-provision net income Pre-tax net income Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 $0.0M $2.5M $5.0M $7.5M $10.0M $12.5M $15.0M $17.5M $20.0M 1. A reconciliation of this non-GAAP measure is set forth in the appendix. (1)

Operating Metrics Third Quarter 2022 Investor Presentation | 26 Efficiency RatioNet Interest Margin 3.99% 3.93% 3.98% 3.68% 3.64% 3.72% 2017 2018 2019 2020 2021 2022 YTD 37.94% 42.27% 38.63% 37.92% 42.46% 37.68% 2017 2018 2019 2020 2021 2022 YTD Note: All 2022 figures are through September 30, 2022. Total Income Before Taxes $22.1M $23.4M $30.4M $37.3M $47.1M $44.1M 2017 2018 2019 2020 2021 2022 YTD

Non-interest Income and Expense Comparison Third Quarter 2022 Investor Presentation | 27 (dollars in thousands) For the three months ended 9/30/2022 6/30/2022 9/30/2021 Non-interest Income Service charges on deposit accounts $ 132 $ 130 $ 112 Net gain on sale of securities — — 435 Gain on sale of loans 548 831 988 Loan-related fees 546 795 285 FHLB stock dividends 152 99 100 Earnings on bank-owned life insurance 102 101 68 Other income 52 41 40 Total non-interest income $ 1,532 $ 1,997 $ 2,028 Non-interest Expense Salaries and employee benefits $ 5,645 $ 5,553 $ 4,980 Occupancy and equipment 515 513 502 Data processing and software 797 739 611 Federal Deposit Insurance Corporation insurance 195 245 110 Professional services 792 568 505 Advertising and promotional 512 484 366 Loan-related expenses 262 389 462 Other operating expenses 1,454 1,714 1,105 Total non-interest expense $ 10,172 $ 10,205 $ 8,641

Shareholder Returns Third Quarter 2022 Investor Presentation | 28 ROAA ROAE EPS (basic and diluted) Value per Share (book and tangible book(1)) Note: All 2022 figures are through September 30, 2022. 1. A reconciliation of this non-GAAP measure is set forth in the appendix. 2.34% 1.99% 2.15% 1.95% 1.86% 1.53% 2017 2018 2019 2020 2021 2022 YTD 27.80% 29.28% 31.40% 31.16% 22.49% 17.85% 2017 2018 2019 2020 2021 2022 YTD $2.92 $3.08 $3.40 $3.57 $2.83 $1.84 2017 2018 2019 2020 2021 2022 YTD $10.93 $10.88 $11.25 $12.16 $13.65 $13.87 2017 2018 2019 2020 2021 2022 YTD

We strive to become the top business bank in all markets we serve through exceptional service, deep connectivity, and customer empathy. We are dedicated to serving real estate, agricultural, faith-based, and small to medium-sized enterprises. We aim to consistently deliver value that meets or exceeds the expectations of our shareholders, customers, employees, business partners, and community.

Appendix: Non-GAAP Reconciliation (Unaudited) The Company uses financial information in its analysis of the Company's performance that is not in conformity with GAAP. The Company believes that these non-GAAP financial measures provide useful information to management and investors that is supplementary to the Company's financial condition, results of operations, and cash flows computed in accordance with GAAP. However, the Company acknowledges that its non-GAAP financial measures have a number of limitations. As such, investors should not view these disclosures as a substitute for results determined in accordance with GAAP. Additionally, these non-GAAP measures are not necessarily comparable to non-GAAP financial measures that other banking companies use. Other banking companies may use names similar to those the Company uses for the non-GAAP financial measures the Company discloses but may calculate them differently. Investors should understand how the Company and other companies each calculate their non- GAAP financial measures when making comparisons. Average loan yield, excluding PPP loans, is defined as the daily average loan yield, excluding PPP loans, and includes both performing and nonperforming loans. The most directly comparable GAAP financial measure is average loan yield. Total assets, excluding PPP loans, is defined as total assets less PPP loans. The most directly comparable GAAP financial measure is total assets. Pre-tax, pre-provision net income is defined as net income plus provision for income taxes and provision for loan losses. The most directly comparable GAAP financial measure is pre-tax net income. Tangible book value per share is defined as total shareholders’ equity less goodwill and other intangible assets, divided by the outstanding number of common shares at the end of the period. The most directly comparable GAAP financial measure is book value per share. We had no goodwill or other intangible assets at the end of any period indicated. As a result, tangible book value per share is the same as book value per share at the end of each of the periods indicated. Third Quarter 2022 Investor Presentation | 30 (dollars in thousands) Twelve months ended Three months ended Average loan yield, excluding PPP loans 12/31/2020 3/31/2021 6/30/2021 9/30/2021 12/31/2021 3/31/2022 6/30/2022 9/30/2022 Interest and fee income on loans $ 71,405 $ 18,613 $ 18,626 $ 20,085 $ 21,569 $ 22,091 $ 24,841 $ 29,787 Less: interest and fee income on PPP loans 6,535 2,400 1,771 2,054 1,192 610 25 — Interest and fee income on loans, excluding PPP loans 64,870 16,213 16,855 18,031 20,377 21,481 24,816 29,787 Annualized interest and fee income on loans, excluding PPP loans (numerator) 64,870 65,753 67,605 71,536 80,844 87,177 99,537 118,177 Average loans held for investment and sale 1,439,380 1,526,130 1,578,438 1,625,995 1,815,627 1,977,509 2,227,215 2,494,468 Less: average PPP loans 165,414 176,384 158,568 89,436 44,101 8,886 427 — Average loans held for investment and sale, excluding PPP loans (denominator) 1,273,966 1,349,746 1,419,870 1,536,559 1,771,526 1,968,623 2,226,788 2,494,468 Average loan yield, excluding PPP loans 5.09 % 4.87 % 4.76 % 4.66 % 4.56 % 4.43 % 4.47 % 4.74 %

Appendix: Non-GAAP Reconciliation (Unaudited) Third Quarter 2022 Investor Presentation | 31 (dollars in millions) Total assets, excluding PPP loans 12/31/2020 12/31/2021 3/31/2022 6/30/2022 9/30/2022 Total assets $ 1,954 $ 2,557 $ 2,778 $ 2,836 $ 3,075 Less: PPP loans 148 22 2 — — Total assets, excluding PPP loans $ 1,806 $ 2,535 $ 2,776 $ 2,836 $ 3,075 (dollars in millions) Three months ended Pre-tax, pre-provision net income 3/31/2021 6/30/2021 9/30/2021 12/31/2021 3/31/2022 6/30/2022 9/30/2022 Net income $ 10,278 $ 9,828 $ 11,026 $ 11,309 $ 9,862 $ 9,953 $ 11,704 Add: provision for income taxes 382 734 2,270 1,321 3,660 4,080 4,830 Add: provision for loan losses 200 — — 1,500 950 2,250 2,250 Pre-tax, pre-provision net income $ 10,860 $ 10,562 $ 13,296 $ 14,130 $ 14,472 $ 16,283 $ 18,784