3Q 2026 Investor Presentation

2 Disclosure This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include but are not limited to the Company’s future financial condition and capital ratios, results of operations and the Company’s outlook, business, share repurchases under the share repurchase program, dividend payments and statements related to the completion of the public offering of common stock and the use of proceeds from the public offering of common stock. Forward-looking statements are not historical facts. Such statements may be identified by the use of such words as “may,” “believe,” “expect,” “anticipate,” “plan,” “continue” or similar terminology. These statements relate to future events or our future financial performance and involve risks and uncertainties that are difficult to predict and are generally beyond our control and may cause our actual results, levels of activity, performance or achievements to differ materially from those expressed or implied by these forward-looking statements. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we caution you not to place undue reliance on these forward-looking statements. Factors which may cause our forward-looking statements to be materially inaccurate include, but are not limited to the following: the interest rate policies of the Federal Reserve and other regulatory bodies; an unexpected deterioration in the performance of our loan or securities portfolios; changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio; unexpected increases in our expenses; different than anticipated growth and our ability to manage our growth; global pandemics, or localized epidemics, could adversely affect the Company’s financial condition and results of operations; potential recessionary conditions, including the related effects on our borrowers and on our financial condition and results of operations; an unanticipated loss of key personnel or existing clients, or an inability to attract key employees; increases in competitive pressures among financial institutions or from non-financial institutions which may result in unanticipated changes in our loan or deposit rates; unanticipated increases in FDIC insurance premiums or future assessments; legislative, tax or regulatory changes or actions, which may adversely affect the Company’s business; impacts related to or resulting from regional and community bank failures and stresses to regional banks; changes in deposit flows, funding sources or loan demand, which may adversely affect the Company’s business; changes in accounting principles, policies or guidelines may cause the Company’s financial condition or results of operation to be reported or perceived differently; general economic conditions, including unemployment rates, either nationally or locally in some or all of the areas in which the Company does business, or conditions in the securities markets or the banking industry being less favorable than currently anticipated; inflation, which may lead to higher operating costs; declines in real estate values in the Company’s market area, which may adversely affect our loan production; an unexpected adverse financial, regulatory, legal or bankruptcy event experienced by our non-bank financial service clients or critical technology service providers; system failures or cybersecurity breaches of our information technology infrastructure and/or confidential information or those of the Company’s third-party service providers; emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or clients; failure to maintain current technologies or technological changes that may be more difficult or expensive to implement than anticipated, and failure to successfully implement future information technology enhancements; the costs, including the possible incurrence of fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions, or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results; the current or anticipated impact of military conflict, terrorism or other geopolitical events; the successful implementation or consummation of new business initiatives, which may be more difficult or expensive than anticipated; the timely and efficient development of new products and services offered by the Company or its strategic partners, as well as risks (including reputational and litigation) attendant thereto, and the perceived overall value and acceptance of these products and services by clients; changes in consumer spending, borrowing or savings habits; the risks associated with adverse changes to credit quality; an unexpected failure to successfully manage our credit risk, nonperforming loan resolutions and the sufficiency of our allowance for credit losses; credit and other risks from borrower and depositor concentrations (e.g., by geographic area and by industry); difficulties associated with achieving or predicting expected future financial results; and the potential impact on the Company’s operations and clients resulting from natural or man-made disasters, wars, acts of terrorism, cyberattacks and pandemics, as well as those discussed under the heading “Risk Factors” in our Annual Report on Form 10-K and Quarterly Reports on Form 10-Q which have been filed with the Securities and Exchange Commission under the Securities Exchange Act of 1934, as amended.. Forward-looking statements speak only as of the date of this presentation. We do not undertake (and expressly disclaim) any obligation to update or revise any forward-looking statement, except as may be required by law.

Performance Metrics 3

Metropolitan Commercial Bank Holding Corporation The Only True Mid-Sized, Publicly Traded Relationship Driven Commercial Bank Headquartered in NYC 4 Market data as of September 30, 2026 and June 30, 2026 1 Non-GAAP financial measure. See reconciliation of GAAP to Non-GAAP financial measures starting on slide 26. 2 Annualized. Recent Events • Increased quarterly common stock cash dividend from $0.35 per share to $0.40 per share. • Park Ave. Headquarters • Garment District / Times Square • Diamond District • Upper East Side • Boro Park, Brooklyn • Great Neck, Long Island • Lakewood, NJ • Miami, FL • West Palm Beach, FL Nine Strategically Located Banking Centers 3Q 2026 2Q 2026 C los ing Pric e $87.12 $98.76 Market C ap $1,070.32 M $1,224.16 M B ook Value per S hare $79.34 $78.11 Tangible B ook Value per S hare $78.54 $77.32 P /B ook Value 1.10 x 1.26 x P /Tangible B ook Value1 1.11 x 1.28 x P /E 2 9.43 x 11.13 x As s ets $9.5 B $8.9 B L oans $7.5 B $7.3 B Depos its $8.3 B $7.7 B L oans /Depos its 90.5 % 94.8 % Net Interes t Margin2 4.36 % 4.08 % Net C harge-offs / Average L oans 2 0.2 % 2.0 % E ffic ienc y R atio 49.2 % 55.7 % P re-tax, P re-P rovis ion Net R evenue / Average As s ets 1 2.25 % 1.92 % R OAA2 1.43 % 0.86 % R OAE 2 13.1 % 8.0 % R OATC E 1,2 13.2 % 8.1 % C E T1 C apital R atio 12.8 % 12.9 % Tier 1 L everage R atio 11.5 % 11.3 % Total R is k B as ed C apital R atio 13.9 % 14.0 % TC E /TA1 R atio 10.2 % 10.8 %

1.00% 1.83% 2.16% 0.36% 0.08% 1.68% 5.03% 5.15% 4.21% 3.65% 4.57% 4.78% 5.09% 4.73% 4.80% 5.33% 6.70% 6.53% 7.31% 7.21% 0.47% 0.58% 1.10% 0.43% 0.27% 0.49% 2.43% 3.22% 2.95% 2.55% 3.52% 3.70% 3.46% 3.26% 2.77% 3.49% 3.49% 3.53% 3.88% 4.17% 2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD 2026 Average Fed Funds Rate¹ Average Total Cost of Deposits

Relationship Driven Commercial Bank with Strong Client Execution • Our Business Bankers have deep knowledge and expertise across multiple industries (e.g. law firms, resident healthcare, real estate property management, U.S. Trustee and Municipalities). • Full suite of retail financial service products targeting small and middle-market commercial businesses. • Commercial Lending group offers an array of commercial and industrial lending products providing our clients with custom lending solutions. • Commercial Real Estate ("CRE") Lending group has proven track record of successfully navigating today's complex real estate market. White-glove concierge service and a full suite of digital banking services allowing clients to easily manage their everyday banking needs. Modern Banking in Motion Digital Transformation supports future business expansion, drives efficiencies and enables better client experience. Our core competencies are: • Helping clients build and sustain generational wealth. • Offering a full range of banking and innovative financial services to businesses and individuals embracing an ever-evolving digital banking era. • Delivering enhanced client experiences through an innovative technology platform. • Providing modern and robust internal capabilities for our employees to support future business expansion and back-office efficiencies. 11

Loans and Deposits 12

13 1 Before deferred fees and unamortized costs. 2 Certain prior period amounts adjusted to conform to current presentation. 3 Excludes owner-occupied. 4 Mobile Home Parks, Residential Condos/Co-ops, Temporary Shelters, Religious Orgs., Parking Lots and Garages, Restaurants and Entertainment Facilities * Includes commercial real estate, multifamily and construction loans. Loan Portfolio Growth and Diversification $7.6 billion Gross Loan Portfolio1, 2 Sept 30, 2026 | $ millions Diversified Loan Portfolio September 30, 2026 44% 5% 5% 5% 5% 5% 4% 3% 2% 7% 11% 44% CRE: Skilled Nursing Facility (SNF) 5% CRE: Hospitality 5% CRE: Mixed Use 5% CRE: Multifamily 5% CRE:Office 5% CRE:Retail 4% CRE:Schools 3% CRE: Construction 3% CRE:Land 2% CRE: Industrial 7% CRE: Other⁴ 11% C&I 1% 1-4 family $3,201 $3,147 $3,216 $3,255 $3,240 $2,547 $2,713 $2,851 $3,169 $3,367 $953 $872 $903 $831 $853 $99 $97 $95 $94 $92 $6,800 $6,829 $7,065 $7,349 $7,552 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Consumer & 1-4 Family

16% 16% 11% 10% 8% 8% 4% 3% 24% 16% Manhattan 16% Florida 11% New Jersey 10% Brooklyn 8% Bronx 8% Queens 4% Long Island 3% Other NY 24% Other States 50% 6% 6% 6% 6% 5% 4% 4% 11% 50% Skilled Nursing Facilities 6% Hospitality 6% Multifamily 6% Office 6% Retail 5% Mixed Use 4% Construction 4% Land 2% Industrial 11% Other CRE Relationship-Based Commercial Real Estate Lending 14 Target Market • New York metropolitan area real estate entrepreneurs with a net worth in excess of $50 million • Primarily concentrated in the New York MSA • Well-diversified across multiple property types Key Metrics September 30, 2026 • Weighted average LTV of 64% • Owner occupied – 51% Composition by Type September 30, 2026 Composition by Region September 30, 2026 Vast majority of loans are originated through direct relationships or existing client referrals. Total CRE loans: $6.6 billion

$229 $219 $207 $210 $235 $237 $212 $252 $186 $191 $162 $140 $118 $101 $116 $104 $91 $92 $82 $94 $86 $75 $90 $108 $104 $65 $60 $61 $60 $39 $27 $26 $27 $11 $11 $43 $49 $56 $73 $63 $953 $872 $903 $831 $853 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Other Manufacturing Wholesale Services Other Healthcare Individuals Skilled Nursing Facilities Finance & Insurance Expertise in Specific Verticals Drive Commercial & Industrial Lending 15 C&I Composition September 30, 2026 Target Market September 30, 2026 • Middle market businesses with revenues up to $400 million • Well-diversified across industries Key Metrics • Strong historical credit performance - Pledged collateral and/or personal guarantees from high-net-worth individuals support most loans - Target borrowers have strong historical cash flows, and good asset coverage 28% 22% 14% 12% 11% 5% 7% 28% Finance & Insurance 22% Skilled Nursing Facilities 14% Individuals 12% Services 11% Other Healthcare 5% Wholesale Trade 1% Manufacturing 7% Other 1 Certain prior period amounts adjusted to conform to current presentation. C&I Portfolio1 $853 mm September 30, 2026 | $ millions

C&I Healthcare Composition | Sept 30, 2026 Diversified Healthcare Portfolio • Active in Healthcare lending since 2002 with no realized losses since entering this space and no deferrals during the pandemic. • Stabilized SNF – 71% of CRE SNF portfolio. Stabilized facilities provide cash flows adequate to support debt service and collateral value. Borrowers’ primary motive for acquisition of a stabilized property is for synergies with existing portfolio of SNFs. Weighted average debt service coverage ratio is 1.9x. • Transitional Non-stabilized SNF – are typically value-add opportunities that may have underlying issues that can be remediated. By implementing operational and management changes, enhancing the quality of care, improving the payor mix, and optimizing efficiency, experienced operators can increase the facility's profitability and value. Operators that have a strong market share in the region can negotiate higher reimbursement rates by working with payers, such as Medicare and Medicaid, to negotiate higher reimbursement rates for the services provided by the SNF. 67% 12% 8% 7% 2%4% 67% SNF 12% Home Health Care Services 8% Outpatient Care Centers 7% Medical Labs 2% Continuing Care Retirement Communities 4% All Other Healthcare CRE SNF $3.3 billion C&I Other $94 mm Healthcare Composition | September 30, 2026 Total Healthcare loans: $3.6 billion 16 Total C&I Healthcare loans: $285 mm Overview Sept 30, 2026 C&I SNF $191 mm

$2,053 $2,081 $2,004 $1,858 $1,893 $1,294 $1,306 $1,332 $1,372 $1,359 $413 $425 $429 $437 $489 $1,409 $1,439 $1,520 $1,563 $1,634 $1,340 $1,478 $1,659 $1,548 $1,545 $564 $648 $795 $953 $1,401 $7,073 $7,377 $7,739 $7,731 $8,321 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 EB-5, Title & Escrow, & Charter Schools Municipal Property Managers Bankruptcy Trustees Deposits from Loan Customers Retail Deposits $8.3 Billion Total Deposits Sept 30, 2026 | $ millions* Deposit Composition * Certain prior period amounts adjusted to conform to current presentation. 18

Selected Financial Information 19

Proven High Growth Business Model Loans1 | $ millions $3,830 $6,436 $5,278 $5,737 $5,983 $7,377 $8,321 2020 2021 2022 2023 2024 2025 Q3 2026 Deposits | $ millions $142 $181 $256 $251 $277 $315 $282 2020 2021 2022 2023 2024 2025 YTD 2026 Revenue | $ millions $39 $60 $59 $77 $67 $71 $83 2020 2021 2022⁴ 2023⁵ 2024⁶ 2025 YTD 2026 Net Income | $ millions $3,137 $3,732 $4,841 $5,625 $6,034 $6,810 $7,534 2020 2021 2022 2023 2024 2025 Q3 2026 20 1 Loans, net of deferred fees and costs. 2 CAGR from December 31, 2020 through September 30, 2026. 3 CAGR from December 31, 2020 through December 31, 2025. 4 Includes a $35.0 million charge for a regulatory settlement reserve in the fourth quarter of 2022. 5 Includes a $5.5 million reversal of the regulatory settlement reserve. 6 Includes a $10.0 million regulatory reserve recorded in the third quarter of 2024

Return on Average Assets Highly Profitable, Scalable Model * Annualized 1 Non-GAAP financial measure. See reconciliation of GAAP to Non-GAAP financial measures starting on slide 26. 2 Total non-interest expense divided by Total revenues. 3 Includes a $35.0 million charge for a regulatory settlement reserve. 4 Includes a $5.5 million reversal of the regulatory settlement reserve. ⁵ Includes a $10.0 million regulatory reserve recorded in the third quarter of 2024. Efficiency ratio2 12.9% 15.2% 10.4% 12.6% 9.7% 9.8% 12.1% 2020 2021 2022³ 2023⁴ 2024⁵ 2025 YTD 2026* ROATCE1 52.5% 48.3% 58.2% 52.5% 62.7% 55.9% 52.4% 2020 2021 2022³ 2023⁴ 2024⁵ 2025 YTD 2026* Net Interest Margin 3.26% 2.77% 3.49% 3.49% 3.53% 3.88% 4.17% 2020 2021 2022 2023 2024 2025 YTD 2026* 21 1.02% 1.06% 0.90% 1.19% 0.91% 0.90% 1.26% 2020 2021 2022 2023 2024 2025 YTD 2026*

0.53% 0.54% 0.54% 0.60% 1.20% 1.28% 1.01% 0.91% 0.95% Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Non-Performing Loans/Loans Credit Metrics NCOs/Average Loans1 ACL/Loans Non-Performing Loans/ACL 0.01% 0.00% 0.00% 0.00% 0.22% 0.00% 0.73% 1.95% 0.18% Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 1.06% 1.05% 1.07% 1.12% 1.39% 1.43% 1.16% 0.85% 0.85% Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 49.6% 51.5% 50.9% 53.9% 86.5% 89.5% 86.6% 108.0% 111.7% Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 22 1 Annualized

Conservatively Underwritten, Geographically Diversified CRE Office Portfolio 24 Office by Region September 30, 2026 38% 17% 5% 32% 6% 38% Manhattan 17% Brooklyn 5% Queens 2% Bronx 32% NY Metro Area (outside NYC) 6% Non NY Metro Area Overview September 30, 2026 • Total Office loans: $393mm • Weighted average LTV of 53% • Weighted average occupancy rate of 80%* • Weighted average debt service coverage ratio of 1.7x* • Manhattan loans originated since March 2022 is 100% • Owner-occupied is 8.0% • Varying levels of recourse on approximately 61% of loans * Excluding owner-occupied office properties. 1 Based on Outstanding Balance. 2 Single loan with "as is" LTV of 62%. Occupancy by Region September 30, 2026 Maturity Schedule September 30, 2026| $ millions 37% 79% 70% 42% 88% 89% Non NY Metro Area NY Metro Area (outside NYC) Bronx Queens² Brooklyn Manhattan 2026 2027 Thereafter Total Outstanding Balance $59 $198 $136 $393 Commitment Amount $59 $202 $137 $398 Avg. Commitment Size $12 $11 $6 $9 LTV1 47% 54% 53% 53% Nonperforming 0% 0% 0% 0% WAC 6.0% 5.8% 6.5% 6.1%

25 Conservatively Underwritten Multi-family Portfolio Overview September 30, 2026 | $ millions Stabilized1 Maturity Schedule September 30, 2026 | $ millions Origination Vintage September 30, 2026 • Total Multi-family loans: $412mm • Weighted average LTV of 52% • Recourse on 62% of Total; recourse on 84% of Transitional • Rent regulated 40% of Total • Rent regulated have weighted average LTV of 42% • Stabilized weighted average debt service coverage ratio of 2.2x Transitional1 Maturity Schedule September 30, 2026 | $ millions 1 Stabilized facilities provide cash flows adequate to support debt service and collateral value. Transitional are value-add opportunities that may have historic underlying issues or challenges that can be addressed and improved upon. 2 Based on Outstanding Balance. 1% 12% 87% % of $412mm Outstanding Balance 2017 - 2019 2020 - 2021 2022 - 2026 2026 2027 Thereafter Total Outstanding Balance $42 $59 $43 $144 Commitment Amount $42 $59 $43 $144 Avg. Commitment Size $3 $15 $14 $7 LTV2 52% 69% 53% 59% Rent Regulated2 33% 0% 0% 10% With Recourse2 84% 71% 100% 84% Nonperforming 55% 0% 0% 16% WAC 5.3% 6.4% 6.2% 6.0% 2026 2027 Thereafter Total Outstanding Balance $61 $60 $147 $268 Commitment Amount $61 $60 $153 $274 Avg. Loan Size $8 $5 $5 $5 LTV2 62% 54% 39% 47% Rent Regulated2 75% 63% 47% 57% With Recourse2 74% 66% 34% 50% Nonperforming 0% 0% 0% 0% WAC 6.5% 5.8% 5.1% 5.6%

Reconciliation of GAAP to Non-GAAP Measures 1 Tangible common equity divided by common shares outstanding at period-end. 2 Total revenues equal net interest income plus non-interest income. In addition to the results presented in accordance with Generally Accepted Accounting Principles (“GAAP”), this earnings presentation includes certain non-GAAP financial measures. Management believes these non-GAAP financial measures provide meaningful information to investors in understanding the Company’s operating performance and trends. These non-GAAP measures have inherent limitations and are not required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for an analysis of results reported under GAAP. These non-GAAP measures may not be comparable to similarly titled measures reported by other companies. Reconciliations of non-GAAP/adjusted financial measures disclosed in this earnings presentation to the comparable GAAP measures are provided in the accompanying tables. 26 $ thousands, exc ept per shar e data Q3 2026 Q2 2026 Q1 2026 2025 2024 2023 2022 A verage as s ets $ 9,008,357 $8,971,646 $8,566,759 $7,880,760 $7,293,445 $6,506,614 $6,621,631 Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733 A verage tangible as s ets $ 8,998,624 $8,961,913 $8,557,026 $7,871,027 $7,283,712 $6,496,881 $6,611,898 A verage equity $ 984,489 $ 965,023 $ 828,131 $ 732,611 $ 694,154 $ 621,006 $ 578,787 Les s : A verage preferred equity — — — — — — — A verage common equity 984,489 965,023 828,131 732,611 694,154 621,006 578,787 Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733 A verage tangible common equity $ 974,756 $ 955,290 $ 818,398 $ 722,878 $ 684,421 $ 611,273 $ 569,054 Total as s ets $ 9,470,920 $8,858,683 $8,844,124 $8,255,716 $7,300,749 $7,067,672 $6,267,337 Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733 Tangible as s ets $ 9,461,187 $8,848,950 $8,834,391 $8,245,983 $7,291,016 $7,057,939 $6,257,604 Total Equity $ 974,680 $ 968,166 $ 948,339 $ 743,112 $ 729,827 $ 659,021 $ 575,897 Les s : preferred equity — — — — — — — Common Equity 974,680 968,166 948,339 743,112 729,827 659,021 575,897 Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733 Tangible common equity (book value) $ 964,947 $ 958,433 $ 938,606 $ 733,379 $ 720,094 $ 649,288 $ 566,164 Tangible common equity (book value) divided by: $ 964,947 $ 958,433 $ 938,606 $ 733,379 $ 720,094 $ 649,288 $ 566,164 Tangible as s ets $ 9,461,187 $8,848,950 $8,834,391 $8,245,983 $7,291,016 $7,057,939 $6,257,604 Tangible common equity (book value) to Tangible as s ets ratio 10.2% 10.8% 10.6% 8.9% 9.9% 9.2% 9.0% Net income divided by: $ 32,437 $ 19,223 $ 31,426 $ 71,098 $ 66,686 $ 77,268 $ 59,425 A verage tangible common equity $ 974,756 $ 955,290 $ 818,398 $ 722,878 $ 684,421 $ 611,273 $ 569,054 Return on average tangible common equity* 13.2% 8.1% 15.6% 9.8% 9.7% 12.6% 10.4% Common s hares outs tanding 12,285,553 12,395,278 12,392,035 10,088,617 11,197,625 11,062,729 10,949,965 Book value per s hare (GA A P) $ 79.34 $ 78.11 $ 76.53 $ 73.66 $ 65.18 $ 59.57 $ 52.59 Tangible book value per s hare (non-GA A P)¹ $ 78.54 $ 77.32 $ 75.74 $ 72.69 $ 64.31 $ 58.69 $ 51.70 Total R evenue (GA A P)² $ 100,563 $ 93,010 $ 88,490 $ 315,106 $ 276,913 $ 250,739 $ 255,751 Les s : Non-interes t expens e 49,490 51,802 46,400 176,005 173,575 131,538 148,737 Les s : Gain (los s ) on s ale of s ecurities — — — 674 — — — Pre-tax, pre-provis ion net revenue $ 51,073 $ 41,208 $ 42,090 $ 138,427 $ 103,338 $ 119,201 $ 107,014 *Periods les s than one year are annualiz ed. For Ye ar Ending

Reconciliation of GAAP to Non-GAAP Measures, Continued 1 Tangible common equity divided by common shares outstanding at period-end. 2 Total revenues equal net interest income plus non-interest income. In addition to the results presented in accordance with Generally Accepted Accounting Principles (“GAAP”), this earnings presentation includes certain non-GAAP financial measures. Management believes these non-GAAP financial measures provide meaningful information to investors in understanding the Company’s operating performance and trends. These non-GAAP measures have inherent limitations and are not required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for an analysis of results reported under GAAP. These non-GAAP measures may not be comparable to similarly titled measures reported by other companies. Reconciliations of non-GAAP/adjusted financial measures disclosed in this earnings presentation to the comparable GAAP measures are provided in the accompanying tables. 27 $ thousands, exc ept per share data 2021 2020 2019 2018 2017 A verage as s ets $5,724,230 $3,863,013 $2,846,959 $1,951,982 $1,524,202 Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733 A verage tangible as s ets $5,714,497 $3,853,280 $2,837,226 $1,942,249 $1,514,469 A verage equity $ 413,212 $ 320,617 $ 282,604 $ 251,030 $ 133,462 Les s : A verage preferred equity 4,585 5,502 5,502 5,502 5,502 A verage common equity 408,627 315,115 277,102 245,528 127,960 Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733 A verage tangible common equity $ 398,894 $ 305,382 $ 267,369 $ 235,795 $ 118,227 Total as s ets $7,116,358 $4,330,821 $3,357,572 $2,182,644 $1,759,855 Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733 Tangible as s ets $7,106,625 $4,321,088 $3,347,839 $2,172,911 $1,750,122 Total Equity $ 556,989 $ 340,787 $ 299,124 $ 264,517 $ 236,884 Les s : preferred equity — 5,502 5,502 5,502 5,502 Common Equity 556,989 335,285 293,622 259,015 231,382 Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733 Tangible common equity (book value) $ 547,256 $ 325,552 $ 283,889 $ 249,282 $ 221,649 Tangible common equity (book value) divided by: $ 547,256 $ 325,552 $ 283,889 $ 249,282 $ 221,649 Tangible as s ets $7,106,625 $4,321,088 $3,347,839 $2,172,911 $1,750,122 Tangible c ommon equity (book value) to Tangible as s ets ratio 7.7% 7.5% 8.5% 11.5% 12.7% Net income divided by: $ 60,555 $ 39,466 $ 30,134 $ 25,554 $ 12,369 A verage tangible c ommon equity $ 398,894 $ 305,382 $ 267,369 $ 235,795 $ 118,227 Return on average tangible common equity* 15.2% 12.9% 11.3% 10.8% 10.5% Common s hares outs tanding 10,920,569 8,295,272 8,312,918 8,217,274 8,196,310 Book value per s hare (GA A P) $ 51.00 $ 40.42 $ 35.32 $ 31.52 $ 28.23 Tangible book value per s hare (non-GA A P)¹ $ 50.11 $ 39.25 $ 34.15 $ 30.34 $ 27.04 Total Revenue (GA A P)² $ 180,698 $ 141,924 $ 108,239 $ 83,177 $ 63,382 Les s : Non-interes t expens e 87,312 74,518 59,955 43,471 32,745 Les s : Gain (los s ) on s ale of s ec urities 609 3,286 — (37) — Pre-tax, pre-provis ion net revenue $ 92,777 $ 64,120 $ 48,284 $ 39,743 $ 30,637 *Periods les s than one year are annualiz ed. For Ye ar Ending