.2
2
3
4
5
6
7
8
9
10 $109mm returned to shareholders during 4Q25 Over 50% (21bp) of organically generated regulatory capital returned to shareholders during 4Q25
11
12
• • • • • • • • • • • • • • • • • • • • 13
14
15
• • • • • • • • • • • • • • • • • • • • 16
17
18
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
24
26
27
28
29
1Q26 2Q26 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 2028 2029 2030 2031 2032 2033 + 30
31
32
33
34
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