|  |      |      |  |  |  |  |  |  |  |  |  |
|--|------|------|--|--|--|--|--|--|--|--|--|
|  | FORM | 10-Q |  |

|  |                                                        |  |  |  |  |  |  |  |
|--|--------------------------------------------------------|--|--|--|--|--|--|--|
|  | VERITEX HOLDINGS, INC.                            |  |
|  | (Exact name of registrant as specified in its charter) |  |

|                                          |        |                     |        |  |  |  |  |  |  |  |  |
|------------------------------------------|--------|---------------------|--------|--|--|--|--|--|--|--|--|
| Texas                                    |   | 27-0973566          |
| (State or other jurisdiction of          |   | (I.R.S. employer    |
| incorporation or organization)           |   | identification no.) |
|                                     |        |                |   |
| 8214 Westchester Drive, Suite 800   |   |                |
| Dallas,                                  | Texas  |                | 75225  |
| (Address of principal executive offices) |   | (Zip code)          |

|  |                                                            |          |  |  |  |  |  |  |  |  |  |
|--|------------------------------------------------------------|----------|--|--|--|--|--|--|--|--|--|
|  | (972)                                                      | 349-6200 |  |
|  | (Registrant’s telephone number, including area code) |          |

|                               |  |                |  |                                           |  |  |  |  |  |  |  |  |  |  |
|-------------------------------|--|----------------|--|-------------------------------------------|--|--|--|--|--|--|--|--|--|--|
| Title of each class           |  | Trading Symbol |  | Name of each exchange on which registered |
| Common Stock, par value $0.01 |  | VBTX           |  | Nasdaq Global Market                      |

|  |                                                                                                                                                                                                                                                                     |         |        |                                           |         |  |  |  |  |  |  |  |  |  |  |  |  |
|--|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------|--------|-------------------------------------------|---------|--|--|--|--|--|--|--|--|--|--|--|--|
|  | Large accelerated filer                                                                                                                                                                                                                                             | ☒ |   | Accelerated filer                    | ☐ |
|  |                                                                                                                                                                                                                                                                |         |   |                                      |         |
|  | Non-accelerated filer                                                                                                                                                                                                                                               | ☐ |   | Smaller reporting company  | ☐ |
|  |                                                                                                                                                                                                                                                                     |         |        | Emerging growth company              | ☐ |
|  |                                                                                                                                                                                                                                                                     |         |        |                                           |         |
|  | If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐ |         |

----

|                                                 |                                                                                             |      |  |  |  |  |  |  |
|-------------------------------------------------|---------------------------------------------------------------------------------------------|------|--|--|--|--|--|--|
|                                                 |                                                                                             |      |
|                                                 |                                                                                             | Page |
| PART I — FINANCIAL INFORMATION  |
| Item 1.                                    | Financial Statements – Unaudited                                                      | 3    |
|                                                 | Consolidated Balance Sheets                                                                 | 4    |
|                                                 | Consolidated Statements of Income                                                           | 5    |
|                                                 | Consolidated Statements of Comprehensive Income                                             | 6    |
|                                                 | Consolidated Statements of Changes in Stockholders’ Equity                            | 7    |
|                                                 | Consolidated Statements of Cash Flows                                                       | 9    |
|                                                 | Notes to Consolidated Financial Statements                                                  | 10   |
| Item 2.                                    | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 44   |
| Item 3.                                    | Quantitative and Qualitative Disclosures about Market Risk                                  | 69   |
| Item 4.                                    | Controls and Procedures                                                                     | 71   |
|                                                 |                                                                                             |      |
| PART II — OTHER INFORMATION     |
| Item 1.                                    | Legal Proceedings                                                                           | 72   |
| Item 1A.                                   | Risk Factors                                                                                | 72   |
| Item 2.                                    | Unregistered Sales of Equity Securities and Use of Proceeds                                 | 72   |
| Item 5.                                    | Other Information                                                                           | 73   |
| Item 6.                                    | Exhibits                                                                                    | 73   |
| SIGNATURES                                 | 74                                                                                          |

----

----

|                                                                                                                                                  |  |                  |                  |              |                  |   |                  |  |  |  |  |  |  |  |
|--------------------------------------------------------------------------------------------------------------------------------------------------|--|------------------|------------------|--------------|------------------|---|------------------|--|--|--|--|--|--|--|
|                                                                                                                                                  |  | June 30,         |                  | December 31, |
|                                                                                                                                                  |  | 2023             |                  | 2022         |
|                                                                                                                                                  |  | (Unaudited)      |                  |              |
| ASSETS                                                                                                                                           |  |                  |                  |              |
| Cash and due from banks                                                                                                                          |  | $                | 53,166      |              |                  | $ | 60,551      |  |
| Interest bearing deposits in other banks                                                                                                         |  | 610,755     |                  |              | 375,526     |   |
| Total cash and cash equivalents                                                                                                                  |  | 663,921     |                  |              | 436,077     |   |
| Debt securities available-for-sale (“AFS”), at fair value                                                                            |  | 961,045     |                  |              | 1,096,292   |   |
| Debt securities held-to-maturity (“HTM”) (fair value of $158,767 and $158,781, at June 30, 2023 and December 31, 2022, respectively) |  | 182,975     |                  |              | 186,168     |   |
| Equity securities                                                                                                                                |  | 20,859      |                  |              | 19,864      |   |
|                                                                                                                                                  |  |                  |                  |              |
| Investment in unconsolidated subsidiaries                                                                                                        |  | 1,018       |                  |              | 1,018       |   |
| Federal Home Loan Bank of Dallas (“FHLB”) Stock and Federal Reserve Bank (“FRB”) Stock                                   |  | 117,017     |                  |              | 101,568     |   |
| Total investments                                                                                                                                |  | 1,282,914   |                  |              | 1,404,910   |   |
| Loans held for sale (“LHFS”)                                                                                                         |  | 29,876      |                  |              | 20,641      |   |
|                                                                                                                                                  |  |                  |                  |              |
| Loans held for investment (“LHI”), mortgage warehouse (“MW”)                                                             |  | 436,255     |                  |              | 446,227     |   |
| LHI, excluding MW                                                                                                                                |  | 9,257,183   |                  |              | 9,036,424   |   |
| Less: Allowance for credit losses (“ACL”)                                                                                        |  | (102,150)        |                  |              | (91,052)         |   |
| Total LHI, net                                                                                                                                   |  | 9,591,288   |                  |              | 9,391,599   |   |
| Bank-owned life insurance (“BOLI”)                                                                                                   |  | 84,375      |                  |              | 84,496      |   |
| Premises and equipment, net                                                                                                                      |  | 105,986     |                  |              | 108,824     |   |
|                                                                                                                                                  |  |                  |                  |              |
| Intangible assets, net of accumulated amortization                                                                                               |  | 48,293      |                  |              | 53,213      |   |
| Goodwill                                                                                                                                         |  | 404,452     |                  |              | 404,452     |   |
| Other assets                                                                                                                                     |  | 259,263     |                  |              | 250,149     |   |
| Total assets                                                                                                                                     |  | $                | 12,470,368  |              |                  | $ | 12,154,361  |  |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                                       |  |             |                  |         |
| Deposits:                                                                                                                                    |  |             |                  |         |
| Noninterest-bearing deposits                                                                                                                     |  | $                | 2,234,109   |              |                  | $ | 2,640,617   |  |
| Interest-bearing transaction and savings deposits                                                                                                |  | 3,590,253   |                  |              | 3,514,729   |   |
| Certificates and other time deposits                                                                                                             |  | 2,928,949   |                  |              | 2,086,642   |   |
| Correspondent money market deposits                                                                                                              |  | 480,598     |                  |              | 881,246     |   |
| Total deposits                                                                                                                                   |  | 9,233,909   |                  |              | 9,123,234   |   |
| Accounts payable and other liabilities                                                                                                           |  | 190,900     |                  |              | 177,579     |   |
| Advances from FHLB                                                                                                                               |  | 1,325,000   |                  |              | 1,175,000   |   |
| Subordinated debentures and subordinated notes                                                                                                   |  | 229,279     |                  |              | 228,775     |   |
|                                                                                                                                                  |  |                  |                  |              |
| Total liabilities                                                                                                                                |  | 10,979,088  |                  |              | 10,704,588  |   |
|                                                                                                                                                  |  |                  |                  |              |
| Stockholders’ equity:                                                                                                                  |  |             |                  |         |
| Common stock, $0.01 par value:                                                                                                               |  |                  |                  |              |
| Authorized shares -  75,000,000                                                                                                                  |  |                  |                  |              |
| Issued shares  - 60,898,886 and 60,668,049 at June 30, 2023 and December 31, 2022, respectively                                                  |  | 609         |                  |              | 607         |   |
|                                                                                                                                                  |  |                  |                  |              |
| Additional paid-in capital (“APIC”)                                                                                                  |  | 1,311,687   |                  |              | 1,306,852   |   |
| Retained earnings                                                                                                                                |  | 429,753     |                  |              | 379,299     |   |
|  Accumulated other comprehensive (loss) income (“AOCI”)                                                                         |  | (83,187)         |                  |              | (69,403)         |   |
| Treasury stock, 6,638,094 and 6,638,094 shares at cost at June 30, 2023 and December 31, 2022, respectively                                      |  | (167,582)        |                  |              | (167,582)        |   |
| Total stockholders’ equity                                                                                                                 |  | 1,491,280   |                  |              | 1,449,773   |   |
| Total liabilities and stockholders’ equity                                                                                                 |  | $                | 12,470,368  |              |                  | $ | 12,154,361  |  |

----

|                                                                 |  |                            |               |                          |               |      |              |               |  |   |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------------------------------------|--|----------------------------|---------------|--------------------------|---------------|------|--------------|---------------|--|---|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                                 |  | Three Months EndedJune 30, |               | Six Months EndedJune 30, |
|                                                                 |  | 2023                       |               | 2022                     |               | 2023 |              | 2022          |
| INTEREST AND DIVIDEND INCOME                                    |  |                            |               |                          |               |      |              |               |
| Interest and fees on loans                                      |  | $                          | 163,727  |                          |               | $    | 82,191  |               |  | $ | 315,434  |  |  | $ | 153,634  |  |
| Debt securities                                                 |  | 10,166                |               |                          | 9,632    |      |              | 21,154   |  |   | 17,394   |  |
| Deposits in financial institutions and Fed Funds sold           |  | 7,507                 |               |                          | 714      |      |              | 13,041   |  |   | 976      |  |
| Equity securities and other investments                         |  | 1,118                 |               |                          | 1,057    |      |              | 2,526    |  |   | 1,967    |  |
| Total interest and dividend income                              |  | 182,518               |               |                          | 93,594   |      |              | 352,155  |  |   | 173,971  |  |
| INTEREST EXPENSE                                                |  |                            |               |                          |               |      |              |               |
| Transaction and savings deposits                                |  | 32,957                |               |                          | 4,094    |      |              | 62,814   |  |   | 5,845    |  |
| Certificates and other time deposits                            |  | 28,100                |               |                          | 1,465    |      |              | 49,067   |  |   | 2,845    |  |
| Advances from FHLB                                              |  | 17,562                |               |                          | 834      |      |              | 29,920   |  |   | 2,381    |  |
| Subordinated debentures and subordinated notes                  |  | 3,068                 |               |                          | 2,721    |      |              | 6,134    |  |   | 5,380    |  |
| Total interest expense                                          |  | 81,687                |               |                          | 9,114    |      |              | 147,935  |  |   | 16,451   |  |
| NET INTEREST INCOME                                             |  | 100,831               |               |                          | 84,480   |      |              | 204,220  |  |   | 157,520  |  |
| Provision for credit losses                                     |  | 15,000                |               |                          | 9,000    |      |              | 24,385   |  |   | 8,500    |  |
| (Benefit) provision for credit losses on unfunded commitments   |  | (1,129)                    |               |                          | —  |      |              | 368      |  |   | 493      |  |
| Net interest income after provision (benefit) for credit losses |  | 86,960                |               |                          | 75,480   |      |              | 179,467  |  |   | 148,527  |  |
| NONINTEREST INCOME                                              |  |                            |               |                          |               |      |              |               |
| Service charges and fees on deposit accounts                    |  | 5,272                 |               |                          | 5,039    |      |              | 10,289   |  |   | 9,749    |  |
| Loan fees                                                       |  | 1,520                 |               |                          | 2,385    |      |              | 3,584    |  |   | 5,179    |  |
| Loss on sales of debt securities                                |  | —               |               |                          | —  |      |              | (5,321)       |  |   | —  |  |
| Gain on sale of mortgage LHFS                                   |  | 40                    |               |                          | 223      |      |              | 46       |  |   | 530      |  |
| Government guaranteed loan income, net                          |  | 4,144                 |               |                          | 789      |      |              | 13,832   |  |   | 5,680    |  |
| Equity method investment income (loss)                          |  | 485                   |               |                          | 966      |      |              | (1,036)       |  |   | 1,333    |  |
| Customer swap income                                            |  | 961                   |               |                          | 1,321    |      |              | 1,178    |  |   | 2,267    |  |
| Other                                                           |  | 1,270                 |               |                          | (345)         |      |              | 4,651    |  |   | 737      |  |
| Total noninterest income                                        |  | 13,692                |               |                          | 10,378   |      |              | 27,223   |  |   | 25,475   |  |
| NONINTEREST EXPENSE                                             |  |                            |               |                          |               |      |              |               |
| Salaries and employee benefits                                  |  | 28,650                |               |                          | 26,924   |      |              | 60,515   |  |   | 54,437   |  |
| Occupancy and equipment                                         |  | 4,827                 |               |                          | 4,496    |      |              | 9,800    |  |   | 9,013    |  |
| Professional and regulatory fees                                |  | 6,868                 |               |                          | 2,865    |      |              | 11,257   |  |   | 6,023    |  |
| Data processing and software expense                            |  | 4,709                 |               |                          | 3,386    |      |              | 9,429    |  |   | 6,307    |  |
| Marketing                                                       |  | 2,627                 |               |                          | 2,306    |      |              | 4,406    |  |   | 3,493    |  |
| Amortization of intangibles                                     |  | 2,468                 |               |                          | 2,495    |      |              | 4,963    |  |   | 4,990    |  |
| Telephone and communications                                    |  | 355                   |               |                          | 352      |      |              | 833      |  |   | 737      |  |
| Merger and acquisition (“M&A”) expense          |  | —               |               |                          | 295      |      |              | —  |  |   | 995      |  |
| Other                                                           |  | 6,693                 |               |                          | 5,034    |      |              | 12,609   |  |   | 8,730    |  |
| Total noninterest expense                                       |  | 57,197                |               |                          | 48,153   |      |              | 113,812  |  |   | 94,725   |  |
| Income before income tax expense                                |  | 43,455                |               |                          | 37,705   |      |              | 92,878   |  |   | 79,277   |  |
| Income tax expense                                              |  | 9,725                 |               |                          | 8,079    |      |              | 20,737   |  |   | 16,181   |  |
| NET INCOME                                                      |  | $                          | 33,730   |                          |               | $    | 29,626  |               |  | $ | 72,141   |  |  | $ | 63,096   |  |
|                                                                 |  |                            |               |                          |               |      |              |               |
|                                                                 |  |                            |               |                          |               |      |              |               |
| Basic earnings per share (“EPS”)                    |  | $                          | 0.62     |                          |               | $    | 0.55    |               |  | $ | 1.33     |  |  | $ | 1.21     |  |
| Diluted EPS                                                     |  | $                          | 0.62     |                          |               | $    | 0.54    |               |  | $ | 1.32     |  |  | $ | 1.19     |  |

----

|                                                                              |  |                             |              |                          |               |      |              |             |  |   |               |  |  |   |              |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------------------|--|-----------------------------|--------------|--------------------------|---------------|------|--------------|-------------|--|---|---------------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                              |  | Three Months Ended June 30, |              | Six Months EndedJune 30, |               |      |
|                                                                              |  | 2023                        |              | 2022                     |               | 2023 |              | 2022        |  |   |               |  |
| NET INCOME                                                                   |  | $                           | 33,730  |                          |               | $    | 29,626  |             |  | $ | 72,141   |  |  | $ | 63,096  |  |  |  |  |  |
| OTHER COMPREHENSIVE INCOME                                                   |  |                             |              |                          |               |      |              |             |  |   |               |  |
| Net unrealized gains (losses) on debt securities AFS:                    |  |                             |              |                          |               |      |              |             |  |   |               |  |
| Change in net unrealized loss on debt securities AFS during the period, net  |  | (21,975)                    |              |                          | (39,374)      |      |              | (19,428)    |  |   | (88,450)      |  |  |   |              |  |
| Amortization (accretion) from transfer of debt securities from AFS to HTM    |  | (165)                       |              |                          | (151)         |      |              | 3,457  |  |   | 4,104    |  |  |   |              |  |
| Reclassification adjustment for net losses included in net income            |  | —                |              |                          | —  |      |              | 5,321  |  |   | —  |  |  |   |              |  |
| Net unrealized loss on debt securities AFS                                   |  | (22,140)                    |              |                          | (39,525)      |      |              | (10,650)    |  |   | (84,346)      |  |  |   |              |  |
|                                                                              |  |                             |              |                          |               |      |              |             |  |   |               |  |
| Net unrealized loss on derivative instruments designated as cash flow hedges |  | (15,033)                    |              |                          | (11,572)      |      |              | (7,955)     |  |   | (24,953)      |  |  |   |              |  |
|                                                                              |  |                             |              |                          |               |      |              |             |  |   |               |  |
| Other comprehensive loss, before tax                                         |  | (37,173)                    |              |                          | (51,097)      |      |              | (18,605)    |  |   | (109,299)     |  |  |   |              |  |
| Income tax expense                                                           |  | (8,494)                     |              |                          | (10,699)      |      |              | (4,821)     |  |   | (23,813)      |  |  |   |              |  |
| Other comprehensive loss, net of tax                                         |  | (28,679)                    |              |                          | (40,398)      |      |              | (13,784)    |  |   | (85,486)      |  |  |   |              |  |
| COMPREHENSIVE INCOME (LOSS)                                                  |  | $                           | 5,051   |                          |               | $    | (10,772)     |             |  | $ | 58,357   |  |  | $ | (22,390)     |  |  |  |  |  |

----

|                                                                                                |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |  |               |               |  |  |             |              |  |  |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------------------------------------|--|-------------------|--|----------------|---------------|-----------|--|------------------|-----------------|------|---------------|---|-----------|---------------|--|---|-----------------|--|--|---------------|---------------|--|--|-------------|--------------|--|--|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                                                |
| Three Months Ended June 30, 2023                                                               |
|                                                                                           |  | Common Stock |  | Treasury Stock |               | APIC      |  | RetainedEarnings |                 | AOCI |               |   |           | Total    |
|                                                                                           |  | Shares            |  | Amount         |               | Shares    |  | Amount           |                 |      |               |   |           |
| Balance at March 31, 2023                                                                      |  | 54,229,033   |  |                | $             | 609  |  |                  | 6,638,094  |      |               | $ | (167,582) |               |  | $ | 1,308,345  |  |  | $             | 406,873  |  |  | $           | (54,508)     |  |  |  |  | $ | 1,493,737  |  |
| Restricted stock units (“RSU”) vested, net of 2,960 shares withheld to cover taxes |  | 18,425       |  |                | —  |           |  | —     |                 |      | —  |   |           | (56)          |  |   | —    |  |  | —  |               |  |  |             | (56)         |  |
| Exercise of employee stock options, net of  2,343 shares withheld to cover exercise            |  | 13,334       |  |                | —  |           |  | —     |                 |      | —  |   |           | 231      |  |   | —    |  |  | —  |               |  |  |             | 231     |  |
|                                                                                                |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Stock based compensation                                                                       |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | 3,167    |  |   | —    |  |  |               |               |  |  | 3,167  |              |
|                                                                                                |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Net income                                                                                     |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | 33,730     |  |  | —  |               |  |  |             | 33,730  |  |
| Dividends paid                                                                                 |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | (10,850)        |  |  | —  |               |  |  |             | (10,850)     |  |
| Other comprehensive loss                                                                       |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | —    |  |  | (28,679)      |               |  |  |             | (28,679)     |  |
| Balance at June 30, 2023                                                                       |  | 54,260,792   |  |                | $             | 609  |  |                  | 6,638,094  |      |               | $ | (167,582) |               |  | $ | 1,311,687  |  |  | $             | 429,753  |  |  | $           | (83,187)     |  |  |  |  | $ | 1,491,280  |  |

|                                                          |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |  |               |               |  |  |   |              |  |  |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|----------------------------------------------------------|--|-------------------|--|----------------|---------------|-----------|--|------------------|-----------------|------|---------------|---|-----------|---------------|--|---|-----------------|--|--|---------------|---------------|--|--|---|--------------|--|--|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
| Three Months Ended June 30, 2022                         |
|                                                     |  | Common Stock |  | Treasury Stock |               | APIC      |  | RetainedEarnings |                 | AOCI |               |   |           |          |
|                                                     |  | Shares            |  | Amount         |               | Shares    |  | Amount           |                 |      |               |   |           | Total         |
| Balance at March 31, 2022                                |  | 53,908,924   |  |                | $             | 605  |  |                  | 6,638,094  |      |               | $ | (167,582) |               |  | $ | 1,297,161  |  |  | $             | 298,830  |  |  | $ | 18,982  |  |  |  |  | $ | 1,447,996  |  |
| RSUs vested, net of 3,669 shares withheld to cover taxes |  | 12,885       |  |                | —  |           |  | —     |                 |      | —  |   |           | (155)         |  |   | —    |  |  | —  |               |  |  |   | (155)        |  |
| Exercise of employee stock options                       |  | 29,228       |  |                | 1        |           |  | —     |                 |      | —  |   |           | 520      |  |   | —    |  |  | —  |               |  |  |   | 521     |  |
|                                                          |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
|                                                          |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
|                                                          |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Stock based compensation                                 |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | 2,644    |  |   | —    |  |  | —  |               |  |  |   | 2,644   |  |
|                                                          |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Net income                                               |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | 29,626     |  |  | —  |               |  |  |   | 29,626  |  |
| Dividends paid                                           |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | (10,792)        |  |  | —  |               |  |  |   | (10,792)     |  |
|                                                          |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Other comprehensive loss                                 |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | —    |  |  | (40,398)      |               |  |  |   | (40,398)     |  |
| Balance at June 30, 2022                                 |  | 53,951,037   |  |                | $             | 606  |  |                  | 6,638,094  |      |               | $ | (167,582) |               |  | $ | 1,300,170  |  |  | $             | 317,664  |  |  | $ | (21,416)     |  |  |  |  | $ | 1,429,442  |  |

----

|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |  |               |               |  |  |   |              |  |  |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------------------------------------------------------------------------------|--|-------------------|--|----------------|---------------|-----------|--|------------------|-----------------|------|---------------|---|-----------|---------------|--|---|-----------------|--|--|---------------|---------------|--|--|---|--------------|--|--|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
| Six Months Ended June 30, 2023                                                                                      |
|                                                                                                                |  | Common Stock |  | Treasury Stock |               | APIC      |  | RetainedEarnings |                 | AOCI |               |   |           |          |
|                                                                                                                |  | Shares            |  | Amount         |               | Shares    |  | Amount           |                 |      |               |   |           | Total         |
| Balance at December 31, 2022                                                                                        |  | 54,029,955   |  |                | $             | 607  |  |                  | 6,638,094  |      |               | $ | (167,582) |               |  | $ | 1,306,852  |  |  | $             | 379,299  |  |  | $ | (69,403)     |  |  |  |  | $ | 1,449,773  |  |
|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| RSUs vested, net of 74,425 shares withheld to cover taxes                                                           |  | 179,506      |  |                | 2        |           |  | —     |                 |      | —  |   |           | (1,984)       |  |   | —    |  |  | —  |               |  |  |   | (1,982)      |  |
| Exercise of employee stock options, net of  121 and 9,729 shares withheld to cover taxes and exercise, respectively |  | 51,331       |  |                | —  |           |  | —     |                 |      | —  |   |           | 765      |  |   | —    |  |  | —  |               |  |  |   | 765     |  |
|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Stock based compensation                                                                                            |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | 6,054    |  |   | —    |  |  | —  |               |  |  |   | 6,054   |  |
|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Net income                                                                                                          |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | 72,141     |  |  | —  |               |  |  |   | 72,141  |  |
| Dividends paid                                                                                                      |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | (21,687)        |  |  | —  |               |  |  |   | (21,687)     |  |
|                                                                                                                     |  |                   |  |                |               |           |  |                  |                 |      |               |   |           |               |  |   |                 |  |
| Other comprehensive loss                                                                                            |  | —      |  |                | —  |           |  | —     |                 |      | —  |   |           | —  |  |   | —    |  |  | (13,784)      |               |  |  |   | (13,784)     |  |
| Balance at June 30, 2023                                                                                            |  | 54,260,792   |  |                | $             | 609  |  |                  | 6,638,094  |      |               | $ | (167,582) |               |  | $ | 1,311,687  |  |  | $             | 429,753  |  |  | $ | (83,187)     |  |  |  |  | $ | 1,491,280  |  |

|                                                                                                                        |  |                   |  |                |               |           |  |                  |                 |      |               |               |           |               |  |   |                 |  |  |               |               |  |  |   |              |  |  |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------------------------------------------------------------|--|-------------------|--|----------------|---------------|-----------|--|------------------|-----------------|------|---------------|---------------|-----------|---------------|--|---|-----------------|--|--|---------------|---------------|--|--|---|--------------|--|--|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
| Six Months Ended June 30, 2022                                                                                         |
|                                                                                                                   |  | Common Stock |  | Treasury Stock |               | APIC      |  | RetainedEarnings |                 | AOCI |               |               |           |          |
|                                                                                                                   |  | Shares            |  | Amount         |               | Shares    |  | Amount           |                 |      |               |               |           | Total         |
| Balance at December 31, 2021                                                                                           |  | 49,372,329   |  |                | $             | 560  |  |                  | 6,638,094  |      |               | $             | (167,582) |               |  | $ | 1,142,758  |  |  | $             | 275,273  |  |  | $ | 64,070  |  |  |  |  | $ | 1,315,079  |  |
|                                                                                                                        |  |                   |  |                |               |           |  |                  |                 |      |               |               |           |               |  |   |                 |  |
|                                                                                                                        |  |                   |  |                |               |           |  |                  |                 |      |               |               |           |               |  |   |                 |  |
| RSUs vested, net of 71,634 shares withheld to cover taxes                                                              |  | 200,686      |  |                | 2        |           |  | —     |                 |      | —  |               |           | (2,994)       |  |   | —    |  |  | —  |               |  |  |   | (2,992)      |  |
| Exercise of employee stock options, net of  6,905 and 28,064 shares withheld to cover taxes and exercise, respectively |  | 63,548       |  |                | 1        |           |  | —     |                 |      | —  |               |           | 618      |  |   | —    |  |  | —  |               |  |  |   | 619     |  |
|                                                                                                                        |  |                   |  |                |               |           |  |                  |                 |      |               |               |           |               |  |   |                 |  |
|                                                                                                                        |  |                   |  |                |               |           |  |                  |                 |      |               |               |           |               |  |   |                 |  |
| Common stock follow-on offering                                                                                        |  | 4,314,474    |  |                | 43       |           |  |                  |                 |      |               | 153,826  |           |               |  |   |                 |  |  |               | 153,869  |  |
| Stock based compensation                                                                                               |  | —      |  |                | —  |           |  | —     |                 |      | —  |               |           | 5,962    |  |   | —    |  |  | —  |               |  |  |   | 5,962   |  |
|                                                                                                                        |  |                   |  |                |               |           |  |                  |                 |      |               |               |           |               |  |   |                 |  |
| Net income                                                                                                             |  | —      |  |                | —  |           |  | —     |                 |      | —  |               |           | —  |  |   | 63,096     |  |  | —  |               |  |  |   | 63,096  |  |
| Dividends paid                                                                                                         |  | —      |  |                | —  |           |  | —     |                 |      | —  |               |           | —  |  |   | (20,705)        |  |  | —  |               |  |  |   | (20,705)     |  |
| Other comprehensive income                                                                                             |  | —      |  |                | —  |           |  | —     |                 |      | —  |               |           | —  |  |   | —    |  |  | (85,486)      |               |  |  |   | (85,486)     |  |
| Balance at June 30, 2022                                                                                               |  | 53,951,037   |  |                | $             | 606  |  |                  | 6,638,094  |      |               | $             | (167,582) |               |  | $ | 1,300,170  |  |  | $             | 317,664  |  |  | $ | (21,416)     |  |  |  |  | $ | 1,429,442  |  |

----

|                                                                                       |  |                                   |               |        |                 |   |               |  |  |  |  |  |  |  |
|---------------------------------------------------------------------------------------|--|-----------------------------------|---------------|--------|-----------------|---|---------------|--|--|--|--|--|--|--|
|                                                                                  |  | For the Six Months Ended June 30, |
|                                                                                  |  | 2023                              |               | 2022   |
| Cash flows from operating activities:                                             |  |                                   |               |        |
| Net income                                                                            |  | $                                 | 72,141   |        |                 | $ | 63,096   |  |
| Adjustments to reconcile net income to net cash provided by operating activities: |  |                                   |               |        |
| Depreciation and amortization of fixed assets and intangibles                         |  | 10,041                       |               |        | 9,381      |   |
| Net amortization of time deposit premium, debt discount and debt issuance costs       |  | 478                          |               |        | 492        |   |
| Provision for credit losses and unfunded commitments                                  |  | 24,753                       |               |        | 8,993      |   |
| Accretion of loan discount                                                            |  | (1,897)                           |               |        | (2,811)         |   |
| Stock-based compensation expense                                                      |  | 6,054                        |               |        | 5,962      |   |
|                                                                                       |  |                                   |               |        |
| Excess tax expense (benefit) from stock compensation                                  |  | 153                          |               |        | (1,075)         |   |
| Net amortization of premiums on debt securities                                       |  | 1,718                        |               |        | 2,016      |   |
| Unrealized loss on equity securities recognized in earnings                           |  | 31                           |               |        | 869        |   |
| Change in cash surrender value and mortality rates of BOLI                            |  | 121                          |               |        | (903)           |   |
| Loss on sales of debt securities                                                      |  | 5,321                        |               |        | —    |   |
| Change in fair value of government guaranteed loans using fair value option           |  | (616)                             |               |        | 209        |   |
| Gain on sales of mortgage LHFS                                                        |  | (46)                              |               |        | (530)           |   |
| Gain on sales of government guaranteed loans                                          |  | (15,598)                          |               |        | (5,427)         |   |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
| Servicing asset (recoveries), net impairment                                          |  | (862)                             |               |        | 1,883      |   |
| Originations of  LHFS                                                                 |  | (39,877)                          |               |        | (30,047)        |   |
| Proceeds from sales of  LHFS                                                          |  | 34,273                       |               |        | 44,115     |   |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
| Equity method investment loss (income)                                                |  | 1,036                        |               |        | (1,333)         |   |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
| Increase in other assets                                                              |  | (6,527)                           |               |        | (16,806)        |   |
| Increase in accounts payable and other liabilities                                    |  | 7,620                        |               |        | 21,157     |   |
| Net cash provided by operating activities                                             |  | 98,317                       |               |        | 99,241     |   |
| Cash flows from investing activities:                                             |  |                              |               |   |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
| Purchases of AFS debt securities                                                      |  | (189,668)                         |               |        | (432,678)       |   |
| Proceeds from sales of AFS debt securities                                            |  | 109,793                      |               |        | —    |   |
| Proceeds from maturities, calls and pay downs of AFS debt securities                  |  | 197,634                      |               |        | 54,530     |   |
| Purchases of HTM debt securities                                                      |  | —                      |               |        | (11,642)        |   |
| Maturity, calls and paydowns of HTM debt securities                                   |  | 2,107                        |               |        | 1,518      |   |
| Purchases of other investments                                                        |  | (16,475)                          |               |        | (16,290)        |   |
| Proceeds from sales of equity securities                                              |  | —                      |               |        | 3,327      |   |
|                                                                                       |  |                                   |               |        |
| Net loans originated                                                                  |  | (291,810)                         |               |        | (1,202,273)     |   |
| Proceeds from sale of government guaranteed loans                                     |  | 79,812                       |               |        | 32,041     |   |
| Net additions (disposals) to premises and equipment                                   |  | 337                          |               |        | (2,026)         |   |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
| Net cash used in investing activities                                                 |  | (108,270)                         |               |        | (1,573,493)     |   |
| Cash flows from financing activities:                                             |  |                              |               |   |
| Net increase in deposits                                                              |  | 110,701                      |               |        | 1,154,107  |   |
| Net increase in advances from FHLB                                                    |  | 150,000                      |               |        | 221,080    |   |
|                                                                                       |  |                                   |               |        |
| Net change in securities sold under agreement to repurchase                           |  | —                      |               |        | (794)           |   |
| Net proceeds on sale of common stock in public offering                               |  | —                      |               |        | 153,869    |   |
| Payments to tax authorities for stock-based compensation                              |  | (1,982)                           |               |        | (2,992)         |   |
| Proceeds from exercise of employee stock options                                      |  | 765                          |               |        | 619        |   |
|                                                                                       |  |                                   |               |        |
|                                                                                       |  |                                   |               |        |
| Dividends paid                                                                        |  | (21,687)                          |               |        | (20,705)        |   |
|                                                                                       |  |                                   |               |        |
| Net cash provided by financing activities                                             |  | 237,797                      |               |        | 1,505,184  |   |
| Net increase in cash and cash equivalents                                             |  | 227,844                      |               |        | 30,932     |   |
| Cash and cash equivalents at beginning of period                                      |  | 436,077                      |               |        | 379,784    |   |
| Cash and cash equivalents at end of period                                            |  | $                                 | 663,921  |        |                 | $ | 410,716  |  |

----

----

|                                                   |  |                             |              |                           |              |      |              |              |  |   |              |  |  |   |              |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------------|--|-----------------------------|--------------|---------------------------|--------------|------|--------------|--------------|--|---|--------------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                   |  | Three Months Ended June 30, |              | Six Months Ended June 30, |
|                                                   |  | 2023                        |              | 2022                      |              | 2023 |              | 2022         |
| Numerator:                                    |  |                             |              |                           |              |      |              |              |
| Net income                                        |  | $                           | 33,730  |                           |              | $    | 29,626  |              |  | $ | 72,141  |  |  | $ | 63,096  |  |
| Denominator:                                  |  |                             |              |                           |              |      |              |              |
| Weighted average shares outstanding for basic EPS |  | 54,247                 |              |                           | 53,949  |      |              | 54,199  |  |   | 52,331  |  |
| Dilutive effect of employee stock-based awards    |  | 239                    |              |                           | 697     |      |              | 347     |  |   | 790     |  |
| Adjusted weighted average shares outstanding      |  | 54,486                 |              |                           | 54,646  |      |              | 54,546  |  |   | 53,121  |  |
| EPS:                                          |  |                             |              |                           |              |      |              |              |
| Basic                                             |  | $                           | 0.62    |                           |              | $    | 0.55    |              |  | $ | 1.33    |  |  | $ | 1.21    |  |
| Diluted                                           |  | $                           | 0.62    |                           |              | $    | 0.54    |              |  | $ | 1.32    |  |  | $ | 1.19    |  |

----

|                                                            |  |                           |               |        |               |   |              |  |  |  |  |  |  |  |
|------------------------------------------------------------|--|---------------------------|---------------|--------|---------------|---|--------------|--|--|--|--|--|--|--|
|                                                       |  | Six Months Ended June 30, |
|                                                       |  | 2023                      |               | 2022   |
|                                                            |  | (in thousands)            |
| Supplemental Disclosures of Cash Flow Information:     |  |                      |               |   |
| Cash paid for interest                                     |  | $                         | 127,174  |        |               | $ | 16,572  |  |
| Cash paid for income taxes                                 |  | 23,500               |               |        | 10,000   |   |
| Supplemental Disclosures of Non-Cash Flow Information: |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
| Transfer of AFS debt securities to HTM debt securities     |  | —              |               |        | 117,001  |   |
| Net foreclosure of OREO and repossessed assets             |  | —              |               |        | 1,032    |   |
|                                                            |  |                           |               |        |
| Noncash assets acquired in business combination1           |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
| LHI                                                        |  | —              |               |        | (681)         |   |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
| Goodwill                                                   |  | —              |               |        | 681      |   |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |
|                                                            |  |                           |               |        |

|                                                                                        |  |                             |       |                           |  |      |       |      |  |   |      |  |  |   |       |  |  |  |  |  |  |  |  |  |  |  |
|----------------------------------------------------------------------------------------|--|-----------------------------|-------|---------------------------|--|------|-------|------|--|---|------|--|--|---|-------|--|--|--|--|--|--|--|--|--|--|--|
|                                                                                        |  | Three Months Ended June 30, |       | Six Months Ended June 30, |
|                                                                                        |  | 2023                        |       | 2022                      |  | 2023 |       | 2022 |
| Unrealized loss recognized on equity securities with a readily determinable fair value |  | $                           | (157) |                           |  | $    | (356) |      |  | $ | (31) |  |  | $ | (869) |  |

----

|                                     |  |                |                 |                        |               |                         |               |              |  |                 |               |  |  |               |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-------------------------------------|--|----------------|-----------------|------------------------|---------------|-------------------------|---------------|--------------|--|-----------------|---------------|--|--|---------------|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                |  | June 30, 2023  |
|                                |  | Amortized Cost |                 | Gross Unrealized Gains |               | Gross Unrealized Losses |               | ACL          |  | Fair Value |
| AFS                                 |  |                |                 |                        |               |                         |               |              |  |                 |
| U.S. government agencies            |  | $              | 39,708     |                        |               | $                       | 4        |              |  | $               | —  |  |  | $             | —  |  |  | $ | 39,712   |  |
| Corporate bonds                     |  | 244,322   |                 |                        | 1,102    |                         |               | 36,552  |  |                 | 885      |  |  | 207,987  |               |
| Municipal securities                |  | 46,818    |                 |                        | —  |                         |               | 3,653   |  |                 | —  |  |  | 43,165   |               |
| Mortgage-backed securities          |  | 126,547   |                 |                        | 15       |                         |               | 16,021  |  |                 | —  |  |  | 110,541  |               |
| Collateralized mortgage obligations |  | 507,796   |                 |                        | —  |                         |               | 51,972  |  |                 | —  |  |  | 455,824  |               |
| Asset-backed securities             |  | 36,708    |                 |                        | 454      |                         |               | 909     |  |                 | —  |  |  | 36,253   |               |
| Collateralized loan obligations     |  | 69,750    |                 |                        | —  |                         |               | 2,187   |  |                 | —  |  |  | 67,563   |               |
|                                |  | $              | 1,071,649  |                        |               | $                       | 1,575    |              |  | $               | 111,294  |  |  | $             | 885      |  |  | $ | 961,045  |  |
|                                     |  |                |                 |                        |               |                         |               |              |  |                 |
|                                     |  | Amortized Cost |                 | Gross Unrealized Gains |               | Gross Unrealized Losses |               | ACL          |  | Fair Value |
| HTM                                 |  |                |                 |                        |               |                         |               |              |  |                 |
| Mortgage-backed securities          |  | $              | 35,198     |                        |               | $                       | —  |              |  | $               | 6,495    |  |  | $             | —  |  |  | $ | 28,703   |  |
| Collateralized mortgage obligations |  | 35,014    |                 |                        | —  |                         |               | 5,230   |  |                 | —  |  |  | 29,784   |               |
| Municipal securities                |  | 112,763   |                 |                        | —  |                         |               | 12,483  |  |                 | —  |  |  | 100,280  |               |
|                                     |  | $              | 182,975    |                        |               | $                       | —  |              |  | $               | 24,208   |  |  | $             | —  |  |  | $ | 158,767  |  |

----

|                                     |  |                   |                 |                        |               |                         |               |              |  |                 |               |  |  |               |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-------------------------------------|--|-------------------|-----------------|------------------------|---------------|-------------------------|---------------|--------------|--|-----------------|---------------|--|--|---------------|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                |  | December 31, 2022 |
|                                |  | Amortized Cost    |                 | Gross Unrealized Gains |               | Gross Unrealized Losses |               | ACL          |  | Fair Value |
| AFS                                 |  |                   |                 |                        |               |                         |               |              |  |                 |
|                                     |  |                   |                 |                        |               |                         |               |              |  |                 |
| Corporate bonds                     |  | $                 | 268,179    |                        |               | $                       | 1,445    |              |  | $               | 17,379   |  |  | $             | —  |  |  | $ | 252,245    |  |
| Municipal securities                |  | 49,886       |                 |                        | 3        |                         |               | 4,198   |  |                 | —  |  |  | 45,691   |               |
| Mortgage-backed securities          |  | 156,408      |                 |                        | 23       |                         |               | 17,420  |  |                 | —  |  |  | 139,011  |               |
| Collateralized mortgage obligations |  | 609,456      |                 |                        | —  |                         |               | 55,850  |  |                 | —  |  |  | 553,606  |               |
| Asset-backed securities             |  | 42,015       |                 |                        | 289      |                         |               | 2,613   |  |                 | —  |  |  | 39,691   |               |
| Collateralized loan obligations     |  | 69,750       |                 |                        | —  |                         |               | 3,702   |  |                 | —  |  |  | 66,048   |               |
|                                |  | $                 | 1,195,694  |                        |               | $                       | 1,760    |              |  | $               | 101,162  |  |  | $             | —  |  |  | $ | 1,096,292  |  |
|                                     |  |                   |                 |                        |               |                         |               |              |  |                 |
|                                     |  | Amortized Cost    |                 | Gross Unrealized Gains |               | Gross Unrealized Losses |               | ACL          |  | Fair Value |
| HTM                                 |  |                   |                 |                        |               |                         |               |              |  |                 |
| Mortgage-backed securities          |  | $                 | 36,342     |                        |               | $                       | —  |              |  | $               | 6,753    |  |  | $             | —  |  |  | $ | 29,589     |  |
| Collateralized mortgage obligations |  | 36,169       |                 |                        | —  |                         |               | 5,884   |  |                 | —  |  |  | 30,285   |               |
| Municipal securities                |  | 113,657      |                 |                        | 6        |                         |               | 14,756  |  |                 | —  |  |  | 98,907   |               |
|                                     |  | $                 | 186,168    |                        |               | $                       | 6        |              |  | $               | 27,393   |  |  | $             | —  |  |  | $ | 158,781    |  |

----

|                                     |  |                                    |               |                                  |               |           |               |                |  |           |               |                |  |               |              |  |              |   |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-------------------------------------|--|------------------------------------|---------------|----------------------------------|---------------|-----------|---------------|----------------|--|-----------|---------------|----------------|--|---------------|--------------|--|--------------|---|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                |  | June 30, 2023                      |
|                                |  | Less Than 12 Months |               | 12 Months or More |               | Totals    |
|                                |  | FairValue                          |               | UnrealizedLoss                   |               | FairValue |               | UnrealizedLoss |  | FairValue |               | UnrealizedLoss |
| AFS                                 |  |                                    |               |                                  |               |           |               |                |  |           |               |                |
|                                     |  |                                    |               |                                  |               |           |               |                |  |           |               |                |
| Corporate bonds                     |  | $                                  | 88,314   |                                  |               | $         | 14,686   |                |  | $         | 97,892   |                |  | $             | 21,866  |  |              | $ | 186,206  |  |  | $ | 36,552   |  |
| Municipal securities                |  | 24,483                        |               |                                  | 351      |           |               | 18,682    |  |           | 3,302    |                |  | 43,165   |              |  | 3,653   |   |
| Mortgage-backed securities          |  | 935                           |               |                                  | 19       |           |               | 108,865   |  |           | 16,002   |                |  | 109,800  |              |  | 16,021  |   |
| Collateralized mortgage obligations |  | 52,483                        |               |                                  | 2,853    |           |               | 403,341   |  |           | 49,119   |                |  | 455,824  |              |  | 51,972  |   |
| Asset-backed securities             |  | 3,232                         |               |                                  | 147      |           |               | 7,864     |  |           | 762      |                |  | 11,096   |              |  | 909     |   |
| Collateralized loan obligations     |  | —                       |               |                                  | —  |           |               | 67,563    |  |           | 2,187    |                |  | 67,563   |              |  | 2,187   |   |
|                                |  | $                                  | 169,447  |                                  |               | $         | 18,056   |                |  | $         | 704,207  |                |  | $             | 93,238  |  |              | $ | 873,654  |  |  | $ | 111,294  |  |
|                                     |  |                                    |               |                                  |               |           |               |                |  |           |               |                |
| HTM                                 |  |                                    |               |                                  |               |           |               |                |  |           |               |                |
| Mortgage-backed securities          |  | $                                  | —  |                                  |               | $         | —  |                |  | $         | 28,703   |                |  | $             | 6,495   |  |              | $ | 28,703   |  |  | $ | 6,495    |  |
| Collateralized mortgage obligations |  | 3,752                         |               |                                  | 280      |           |               | 26,032    |  |           | 4,950    |                |  | 29,784   |              |  | 5,230   |   |
| Municipal securities                |  | 21,077                        |               |                                  | 225      |           |               | 79,203    |  |           | 12,258   |                |  | 100,280  |              |  | 12,483  |   |
|                                |  | $                                  | 24,829   |                                  |               | $         | 505      |                |  | $         | 133,938  |                |  | $             | 23,703  |  |              | $ | 158,767  |  |  | $ | 24,208   |  |

|                                     |  |                                    |               |                                  |              |           |              |                 |  |           |               |                 |  |               |              |  |              |   |                 |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-------------------------------------|--|------------------------------------|---------------|----------------------------------|--------------|-----------|--------------|-----------------|--|-----------|---------------|-----------------|--|---------------|--------------|--|--------------|---|-----------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                |  | December 31, 2022                  |
|                                |  | Less Than 12 Months |               | 12 Months or More |              | Totals    |
|                                |  | FairValue                          |               | Unrealized Loss                  |              | FairValue |              | Unrealized Loss |  | FairValue |               | Unrealized Loss |
| AFS                                 |  |                                    |               |                                  |              |           |              |                 |  |           |               |                 |
|                                     |  |                                    |               |                                  |              |           |              |                 |  |           |               |                 |
| Corporate bonds                     |  | $                                  | 197,946  |                                  |              | $         | 15,697  |                 |  | $         | 15,568   |                 |  | $             | 1,682   |  |              | $ | 213,514    |  |  | $ | 17,379   |  |
| Municipal securities                |  | 33,919                        |               |                                  | 848     |           |              | 8,813      |  |           | 3,350    |                 |  | 42,732   |              |  | 4,198   |   |
| Mortgage-backed securities          |  | 115,467                       |               |                                  | 11,104  |           |              | 22,780     |  |           | 6,317    |                 |  | 138,247  |              |  | 17,421  |   |
| Collateralized mortgage obligations |  | 482,358                       |               |                                  | 42,553  |           |              | 71,198     |  |           | 13,296   |                 |  | 553,556  |              |  | 55,849  |   |
| Asset-backed securities             |  | 15,195                        |               |                                  | 991     |           |              | 11,207     |  |           | 1,621    |                 |  | 26,402   |              |  | 2,612   |   |
| Collateralized loan obligations     |  | 23,673                        |               |                                  | 1,328   |           |              | 42,375     |  |           | 2,375    |                 |  | 66,048   |              |  | 3,703   |   |
|                                |  | $                                  | 868,558  |                                  |              | $         | 72,521  |                 |  | $         | 171,941  |                 |  | $             | 28,641  |  |              | $ | 1,040,499  |  |  | $ | 101,162  |  |
|                                     |  |                                    |               |                                  |              |           |              |                 |  |           |               |                 |
| HTM                                 |  |                                    |               |                                  |              |           |              |                 |  |           |               |                 |
| Mortgage-backed securities          |  | $                                  | 804      |                                  |              | $         | 85      |                 |  | $         | 28,784   |                 |  | $             | 6,668   |  |              | $ | 29,588     |  |  | $ | 6,753    |  |
| Collateralized mortgage obligations |  | 25,285                        |               |                                  | 4,676   |           |              | 4,999      |  |           | 1,208    |                 |  | 30,284   |              |  | 5,884   |   |
| Municipal securities                |  | 85,671                        |               |                                  | 11,411  |           |              | 9,161      |  |           | 3,345    |                 |  | 94,832   |              |  | 14,756  |   |
|                                     |  | $                                  | 111,760  |                                  |              | $         | 16,172  |                 |  | $         | 42,944   |                 |  | $             | 11,221  |  |              | $ | 154,704    |  |  | $ | 27,393   |  |

----

|                                            |  |                           |               |      |               |   |               |  |  |  |  |  |  |  |
|--------------------------------------------|--|---------------------------|---------------|------|---------------|---|---------------|--|--|--|--|--|--|--|
|                                            |  | Six Months Ended June 30, |
|                                            |  | 2023                      |               | 2022 |
| Allowance for credit losses:           |  |                           |               |      |
|    Beginning Balance        |  | $                         | —  |      |               | $ | —  |  |
|    Credit Loss Expense      |  | 885                  |               |      | —  |   |
| Allowance for credit losses ending balance |  | $                         | 885      |      |               | $ | —  |  |

|                                                                    |  |                |                 |            |               |                |               |               |  |   |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------------------------------|--|----------------|-----------------|------------|---------------|----------------|---------------|---------------|--|---|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                                    |  | June 30, 2023  |
|                                                                    |  | AFS            |                 | HTM        |
|                                                                    |  | Amortized Cost |                 | Fair Value |               | Amortized Cost |               | Fair Value    |
| Due in one year or less                                            |  | $              | 39,708     |            |               | $              | 39,712   |               |  | $ | —  |  |  | $ | —  |  |
| Due from one year to five years                                    |  | 43,578    |                 |            | 44,452   |                |               | 454      |  |   | 440      |  |
| Due from five years to ten years                                   |  | 191,277   |                 |            | 157,406  |                |               | 13,168   |  |   | 12,744   |  |
| Due after ten years                                                |  | 56,285    |                 |            | 49,294   |                |               | 99,141   |  |   | 87,096   |  |
|                                                                    |  | 330,848   |                 |            | 290,864  |                |               | 112,763  |  |   | 100,280  |  |
| Mortgage-backed securities and collateralized mortgage obligations |  | 634,343   |                 |            | 566,365  |                |               | 70,212   |  |   | 58,487   |  |
| Asset-backed securities                                            |  | 36,708    |                 |            | 36,253   |                |               | —  |  |   | —  |  |
| Collateralized loan obligations                                    |  | 69,750    |                 |            | 67,563   |                |               | —  |  |   | —  |  |
|                                                                    |  | $              | 1,071,649  |            |               | $              | 961,045  |               |  | $ | 182,975  |  |  | $ | 158,767  |  |

|                                                                    |  |                   |                 |            |               |                |                 |               |  |   |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------------------------------|--|-------------------|-----------------|------------|---------------|----------------|-----------------|---------------|--|---|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                    |  | December 31, 2022 |                 |
|                                                                    |  | AFS               |                 | HTM        |               |
|                                                                    |  | Amortized Cost    |                 | Fair Value |               | Amortized Cost |                 | Fair Value    |  |
| Due in one year or less                                            |  | $                 | —    |            |               | $              | —    |               |  | $ | —  |  |  | $ | —  |  |  |
| Due from one year to five years                                    |  | 53,692       |                 |            | 54,179   |                |                 | —  |  |   | —  |  |  |
| Due from five years to ten years                                   |  | 205,911      |                 |            | 190,406  |                |                 | 8,275    |  |   | 8,129    |  |  |
| Due after ten years                                                |  | 58,462       |                 |            | 53,351   |                |                 | 105,382  |  |   | 90,778   |  |  |
|                                                                    |  | 318,065      |                 |            | 297,936  |                |                 | 113,657  |  |   | 98,907   |  |  |
| Mortgage-backed securities and collateralized mortgage obligations |  | 765,864      |                 |            | 692,617  |                |                 | 72,511   |  |   | 59,874   |  |  |
| Asset-backed securities                                            |  | 42,015       |                 |            | 39,691   |                |                 | —  |  |   | —  |  |  |
| Collateralized loan obligations                                    |  | 69,750       |                 |            | 66,048   |                |                 | —  |  |   | —  |  |  |
|                                                                    |  | $                 | 1,195,694  |            |               | $              | 1,096,292  |               |  | $ | 186,168  |  |  | $ | 158,781  |  |  |

----

|                           |  |                           |               |      |               |   |               |  |  |  |  |  |  |  |
|---------------------------|--|---------------------------|---------------|------|---------------|---|---------------|--|--|--|--|--|--|--|
|                           |  | Six Months Ended June 30, |
|                           |  | 2023                      |               | 2022 |
| Proceeds from sales (1)   |  | $                         | 109,793  |      |               | $ | —  |  |
|                           |  |                           |               |      |
| Gross realized losses (1) |  | 5,321                |               |      | —  |   |

----

|                                                                  |                          |                 |                          |                 |   |                 |  |  |  |  |  |
|------------------------------------------------------------------|--------------------------|-----------------|--------------------------|-----------------|---|-----------------|--|--|--|--|--|
|                                                             | June 30, 2023            |                 | December 31, 2022        |
| LHI, carried at amortized cost:                              |                          |                 |                          |
| Real estate:                                                 |      |                 |      |
| Construction and land                                            | $                        | 1,659,700  |                          |                 | $ | 1,787,400  |  |
| Farmland                                                         | 51,663              |                 |                          | 43,500     |   |
| 1 - 4 family residential                               | 923,442             |                 |                          | 894,456    |   |
| Multi-family residential                                         | 592,473             |                 |                          | 322,679    |   |
| Owner occupied commercial real estate (“OOCRE”)      | 671,602             |                 |                          | 715,829    |   |
| Non-owner occupied commercial real estate (“NOOCRE”) | 2,509,731           |                 |                          | 2,341,379  |   |
| Commercial                                                       | 2,850,084           |                 |                          | 2,942,348  |   |
| MW                                                               | 436,255             |                 |                          | 446,227    |   |
| Consumer                                                         | 11,189              |                 |                          | 7,806      |   |
|                                                                  | 9,706,139           |                 |                          | 9,501,624  |   |
|                                                                  |                          |                 |                          |
| Deferred loan fees, net                                          | (12,701)                 |                 |                          | (18,973)        |   |
| ACL                                                              | (102,150)                |                 |                          | (91,052)        |   |
| Total LHI, net                                                   | 9,591,288           |                 |                          | 9,391,599  |   |

|                                             |  |                                  |              |          |               |             |           |               |  |       |               |        |  |               |             |          |             |       |             |             |  |   |               |  |  |              |              |  |  |   |           |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------|--|----------------------------------|--------------|----------|---------------|-------------|-----------|---------------|--|-------|---------------|--------|--|---------------|-------------|----------|-------------|-------|-------------|-------------|--|---|---------------|--|--|--------------|--------------|--|--|---|-----------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                        |  | Three Months Ended June 30, 2023 |
|                                        |  | Construction and Land            |              | Farmland |               | Residential |           | Multifamily   |  | OOCRE |               | NOOCRE |  | Commercial    |             | Consumer |             | Total |
| Balance at beginning of the period          |  | $                                | 17,314  |          |               | $           | 168  |               |  | $     | 9,541    |        |  | $             | 3,484  |          |             | $     | 8,813  |             |  | $ | 26,238   |  |  | $            | 32,717  |  |  | $ | 419  |  |  | $ | 98,694   |  |
| Credit loss (benefit) expense non-PCD loans |  | 831                         |              |          | 2        |             |           | (331)         |  |       | 1,223    |        |  | (1,286)       |             |          | 9,914  |       |             | 5,642  |  |   | (45)          |  |  | 15,950  |              |
| Credit (benefit) loss expense PCD loans     |  | —                     |              |          | —  |             |           | (2)           |  |       | —  |        |  | (8)           |             |          | (212)       |       |             | (728)       |  |   | —  |  |  | (950)        |              |
| Charge-offs                                 |  | —                     |              |          | —  |             |           | —  |  |       | —  |        |  | —  |             |          | (8,215)     |       |             | (3,540)     |  |   | (92)          |  |  | (11,847)     |              |
| Recoveries                                  |  | —                     |              |          | —  |             |           | 1        |  |       | —  |        |  | —  |             |          | 150    |       |             | 106    |  |   | 46       |  |  | 303     |              |
| Ending Balance                              |  | $                                | 18,145  |          |               | $           | 170  |               |  | $     | 9,209    |        |  | $             | 4,707  |          |             | $     | 7,519  |             |  | $ | 27,875   |  |  | $            | 34,197  |  |  | $ | 328  |  |  | $ | 102,150  |  |
|                                             |  |                                  |              |          |               |             |           |               |  |       |               |        |  |               |             |          |             |       |

----

|                                             |  |                                  |              |          |               |             |           |               |  |       |               |        |  |               |             |          |               |       |             |             |  |   |              |  |  |             |              |  |  |   |           |  |  |   |              |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------|--|----------------------------------|--------------|----------|---------------|-------------|-----------|---------------|--|-------|---------------|--------|--|---------------|-------------|----------|---------------|-------|-------------|-------------|--|---|--------------|--|--|-------------|--------------|--|--|---|-----------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                        |  | Three Months Ended June 30, 2022 |
|                                        |  | Construction and Land            |              | Farmland |               | Residential |           | Multifamily   |  | OOCRE |               | NOOCRE |  | Commercial    |             | Consumer |               | Total |
| Balance at beginning of the period          |  | $                                | 8,883   |          |               | $           | 158  |               |  | $     | 6,134    |        |  | $             | 2,127  |          |               | $     | 7,423  |             |  | $ | 26,954  |  |  | $           | 20,084  |  |  | $ | 722  |  |  | $ | 72,485  |  |
| Credit (benefit) loss expense non-PCD loans |  | 1,428                       |              |          | (13)          |             |           | 1,919    |  |       | 59       |        |  | 185      |             |          | 725      |       |             | 3,068  |  |   | 1,718   |  |  | 9,089  |              |
| Credit (benefit) loss expense PCD loans     |  | (11)                             |              |          | —  |             |           | —  |  |       | —  |        |  | —  |             |          | —  |       |             | 1,178  |  |   | (1,256)      |  |  | (89)        |              |
| Charge-offs                                 |  | —                     |              |          | —  |             |           | —  |  |       | —  |        |  | (244)         |             |          | —  |       |             | (528)       |  |   | (1,091)      |  |  | (1,863)     |              |
| Recoveries                                  |  | —                     |              |          | —  |             |           | 3        |  |       | —  |        |  | 245      |             |          | 93       |       |             | 572    |  |   | 41      |  |  | 954    |              |
| Ending Balance                              |  | $                                | 10,300  |          |               | $           | 145  |               |  | $     | 8,056    |        |  | $             | 2,186  |          |               | $     | 7,609  |             |  | $ | 27,772  |  |  | $           | 24,374  |  |  | $ | 134  |  |  | $ | 80,576  |  |

|                                             |  |                                |              |          |               |             |           |               |  |       |               |        |  |               |             |          |             |       |             |             |  |   |               |  |  |              |              |  |  |   |           |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------|--|--------------------------------|--------------|----------|---------------|-------------|-----------|---------------|--|-------|---------------|--------|--|---------------|-------------|----------|-------------|-------|-------------|-------------|--|---|---------------|--|--|--------------|--------------|--|--|---|-----------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                        |  | Six Months Ended June 30, 2023 |
|                                        |  | Construction and Land          |              | Farmland |               | Residential |           | Multifamily   |  | OOCRE |               | NOOCRE |  | Commercial    |             | Consumer |             | Total |
| Balance at beginning of the period          |  | $                              | 13,120  |          |               | $           | 127  |               |  | $     | 9,533    |        |  | $             | 2,607  |          |             | $     | 8,707  |             |  | $ | 26,704   |  |  | $            | 30,142  |  |  | $ | 112  |  |  | $ | 91,052   |  |
| Credit loss (benefit) expense non-PCD loans |  | 5,071                     |              |          | 43       |             |           | (319)         |  |       | 2,100    |        |  | (1,048)       |             |          | 9,415  |       |             | 8,638  |  |   | 318      |  |  | 24,218  |              |
| Credit (benefit) expense PCD loans          |  | (46)                           |              |          | —  |             |           | (7)           |  |       | —  |        |  | (24)          |             |          | (179)       |       |             | (462)       |  |   | —  |  |  | (718)        |              |
| Charge-offs                                 |  | —                   |              |          | —  |             |           | —  |  |       | —  |        |  | (116)         |             |          | (8,215)     |       |             | (4,591)     |  |   | (154)         |  |  | (13,076)     |              |
| Recoveries                                  |  | —                   |              |          | —  |             |           | 2        |  |       | —  |        |  | —  |             |          | 150    |       |             | 470    |  |   | 52       |  |  | 674     |              |
| Ending Balance                              |  | $                              | 18,145  |          |               | $           | 170  |               |  | $     | 9,209    |        |  | $             | 4,707  |          |             | $     | 7,519  |             |  | $ | 27,875   |  |  | $            | 34,197  |  |  | $ | 328  |  |  | $ | 102,150  |  |
|                                             |  |                                |              |          |               |             |           |               |  |       |               |        |  |               |             |          |             |       |

|                                             |  |                                |              |          |               |             |           |               |  |       |               |        |  |            |             |          |           |       |             |             |  |   |              |  |  |              |              |  |  |   |           |  |  |   |              |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------|--|--------------------------------|--------------|----------|---------------|-------------|-----------|---------------|--|-------|---------------|--------|--|------------|-------------|----------|-----------|-------|-------------|-------------|--|---|--------------|--|--|--------------|--------------|--|--|---|-----------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                        |  | Six Months Ended June 30, 2022 |
|                                        |  | Construction and Land          |              | Farmland |               | Residential |           | Multifamily   |  | OOCRE |               | NOOCRE |  | Commercial |             | Consumer |           | Total |
| Balance at beginning of the period          |  | $                              | 7,293   |          |               | $           | 187  |               |  | $     | 5,982    |        |  | $          | 2,664  |          |           | $     | 9,215  |             |  | $ | 30,548  |  |  | $            | 21,632  |  |  | $ | 233  |  |  | $ | 77,754  |  |
| Credit (benefit) loss expense non-PCD loans |  | 3,022                     |              |          | (42)          |             |           | 2,143    |  |       | (478)         |        |  | 997   |             |          | (3,389)   |       |             | 7,112  |  |   | 2,340   |  |  | 11,705  |              |
| Credit (benefit) loss expense PCD loans     |  | (15)                           |              |          | —  |             |           | (72)          |  |       | —  |        |  | (1,263)    |             |          | 673  |       |             | (1,264)     |  |   | (1,264)      |  |  | (3,205)      |              |
| Charge-offs                                 |  | —                   |              |          | —  |             |           | —  |  |       | —  |        |  | (1,585)    |             |          | (553)     |       |             | (3,822)     |  |   | (1,225)      |  |  | (7,185)      |              |
| Recoveries                                  |  | —                   |              |          | —  |             |           | 3        |  |       | —  |        |  | 245   |             |          | 493  |       |             | 716    |  |   | 50      |  |  | 1,507   |              |
| Ending Balance                              |  | $                              | 10,300  |          |               | $           | 145  |               |  | $     | 8,056    |        |  | $          | 2,186  |          |           | $     | 7,609  |             |  | $ | 27,772  |  |  | $            | 24,374  |  |  | $ | 134  |  |  | $ | 80,576  |  |

----

|                    |  |               |                  |                   |                |               |   |                  |  |                |  |   |               |  |  |   |             |  |  |  |  |  |  |  |  |  |  |  |
|--------------------|--|---------------|------------------|-------------------|----------------|---------------|---|------------------|--|----------------|--|---|---------------|--|--|---|-------------|--|--|--|--|--|--|--|--|--|--|--|
|                    |  | June 30, 2023 |                  | December 31, 2022 |
|               |  |               | Real Property(1) |                   | ACL Allocation |               |   | Real Property(1) |  | ACL Allocation |
|                    |  |               |                  |                   |                |               |   |                  |  |                |
|                    |  |               |                  |                   |                |               |   |                  |  |                |
|                    |  |               |                  |                   |                |               |   |                  |  |                |
|                    |  |               |                  |                   |                |               |   |                  |  |                |
|                    |  |               |                  |                   |                |               |   |                  |  |                |
|                    |  |               |                  |                   |                |               |   |                  |  |                |
| OOCRE              |  |               | $                | 1,157        |                |               | $ | —     |  |                |  | $ | 1,193    |  |  | $ | 129    |  |
| NOOCRE             |  |               | 32,897      |                   |                | 1,939    |   |                  |  | 20,896    |  |   | 2,138    |  |
| Commercial         |  |               | 2,317       |                   |                | 589      |   |                  |  | 1,240     |  |   | 396      |  |
| Mortgage warehouse |  |               | 208         |                   |                | 208      |   |                  |  | —   |  |   | —  |  |
| Consumer           |  |               | —     |                   |                | —  |   |                  |  | 15        |  |   | —  |  |
| Total              |  |               | $                | 36,579       |                |               | $ | 2,736       |  |                |  | $ | 23,344   |  |  | $ | 2,663  |  |

|                                    |                          |                   |                        |               |   |                          |  |                        |  |   |               |  |  |   |              |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------|--------------------------|-------------------|------------------------|---------------|---|--------------------------|--|------------------------|--|---|---------------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                               | June 30, 2023            | December 31, 2022 |
|                                    | Nonaccrual               |                   | Nonaccrual With No ACL |               |   | Nonaccrual               |  | Nonaccrual With No ACL |  |   |
| Real estate:                   |      |                   |                        |               |   |      |  |                        |  |   |
|                                    |                          |                   |                        |               |   |                          |  |                        |  |   |
|                                    |                          |                   |                        |               |   |                          |  |                        |  |   |
| 1 - 4 family residential | $                        | 1,231        |                        |               | $ | 1,231               |  |                        |  | $ | 862      |  |  | $ | 862     |  |  |  |
|                                    |                          |                   |                        |               |   |                          |  |                        |  |   |
| OOCRE                              | 10,287              |                   |                        | 10,287   |   |                          |  | 9,737             |  |   | 8,545    |  |  |   |
| NOOCRE                             | 32,981              |                   |                        | 25,049   |   |                          |  | 21,377            |  |   | 13,178   |  |  |   |
| Commercial                         | 23,007              |                   |                        | 1,953    |   |                          |  | 11,397            |  |   | 2,521    |  |  |   |
| MW                                 | 208                 |                   |                        | —  |   |                          |  | —           |  |   | —  |  |  |   |
| Consumer                           | 62                  |                   |                        | 62       |   |                          |  | 169               |  |   | 169      |  |  |   |
| Total                              | $                        | 67,776       |                        |               | $ | 38,582              |  |                        |  | $ | 43,542   |  |  | $ | 25,275  |  |  |  |

----

|                                    |                          |               |                          |               |                              |               |                          |  |                          |               |     |  |                          |               |                                                                  |               |   |                 |                 |  |   |               |  |  |   |                 |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------|--------------------------|---------------|--------------------------|---------------|------------------------------|---------------|--------------------------|--|--------------------------|---------------|-----|--|--------------------------|---------------|------------------------------------------------------------------|---------------|---|-----------------|-----------------|--|---|---------------|--|--|---|-----------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                               | June 30, 2023            |
|                               | 30 to 59 Days  |               | 60 to 89 Days  |               | 90 Days or Greater |               | Total Past Due (1)  |  | Total Current            |               | PCD |  | Total Loans              |               | Total 90 Days Past Due and Still Accruing(2) |
| Real estate:                   |      |               |      |               |          |               |      |  |      |               |     |  |      |               |                                              |
| Construction and land              | $                        | —  |                          |               | $                            | —  |                          |  | $                        | —  |     |  | $                        | —  |                                                                  |               | $ | 1,659,700  |                 |  | $ | —  |  |  | $ | 1,659,700  |  |  | $ | —  |  |
| Farmland                           | —             |               |                          | —  |                              |               | —             |  |                          | —  |     |  | 51,663              |               |                                                                  | —  |   |                 | 51,663     |  |   | —  |  |
| 1 - 4 family residential | 2,867               |               |                          | 306      |                              |               | 996                 |  |                          | 4,169    |     |  | 918,174             |               |                                                                  | 1,099    |   |                 | 923,442    |  |   | 197      |  |
| Multi-family residential           | —             |               |                          | —  |                              |               | —             |  |                          | —  |     |  | 592,473             |               |                                                                  | —  |   |                 | 592,473    |  |   | —  |  |
| OOCRE                              | 4,225               |               |                          | 33       |                              |               | 1,157               |  |                          | 5,415    |     |  | 647,637             |               |                                                                  | 18,550   |   |                 | 671,602    |  |   | —  |  |
| NOOCRE                             | 11,970              |               |                          | —  |                              |               | 21,569              |  |                          | 33,539   |     |  | 2,462,065           |               |                                                                  | 14,127   |   |                 | 2,509,731  |  |   | —  |  |
| Commercial                         | 1,908               |               |                          | 18,441   |                              |               | 16,462              |  |                          | 36,811   |     |  | 2,809,846           |               |                                                                  | 3,427    |   |                 | 2,850,084  |  |   | 302      |  |
| MW                                 | —             |               |                          | —  |                              |               | 208                 |  |                          | 208      |     |  | 436,047             |               |                                                                  | —  |   |                 | 436,255    |  |   | —  |  |
| Consumer                           | 74                  |               |                          | 43       |                              |               | 29                  |  |                          | 146      |     |  | 11,026              |               |                                                                  | 17       |   |                 | 11,189     |  |   | 29       |  |
| Total                              | $                        | 21,044   |                          |               | $                            | 18,823   |                          |  | $                        | 40,421   |     |  | $                        | 80,288   |                                                                  |               | $ | 9,588,631  |                 |  | $ | 37,220   |  |  | $ | 9,706,139  |  |  | $ | 528      |  |

|                                    |                          |              |                          |               |                              |             |                          |  |                          |               |     |  |                          |              |                                                                  |               |   |                 |                 |  |   |               |  |  |   |                 |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------|--------------------------|--------------|--------------------------|---------------|------------------------------|-------------|--------------------------|--|--------------------------|---------------|-----|--|--------------------------|--------------|------------------------------------------------------------------|---------------|---|-----------------|-----------------|--|---|---------------|--|--|---|-----------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                               | December 31, 2022        |
|                               | 30 to 59 Days  |              | 60 to 89 Days  |               | 90 Days or Greater |             | Total Past Due(1)   |  | Total Current            |               | PCD |  | Total Loans              |              | Total 90 Days Past Due and Still Accruing(2) |
| Real estate:                   |      |              |      |               |          |             |      |  |      |               |     |  |      |              |                                              |
| Construction and land              | $                        | 1,121   |                          |               | $                            | 2,111  |                          |  | $                        | —  |     |  | $                        | 3,232   |                                                                  |               | $ | 1,782,624  |                 |  | $ | 1,544    |  |  | $ | 1,787,400  |  |  | $ | —  |  |
| Farmland                           | —             |              |                          | —  |                              |             | —             |  |                          | —  |     |  | 43,500              |              |                                                                  | —  |   |                 | 43,500     |  |   | —  |  |
| 1 - 4 family residential | 4,319               |              |                          | 129      |                              |             | 499                 |  |                          | 4,947    |     |  | 888,329             |              |                                                                  | 1,180    |   |                 | 894,456    |  |   | 123      |  |
| Multi-family residential           | 1,000               |              |                          | —  |                              |             | —             |  |                          | 1,000    |     |  | 321,679             |              |                                                                  | —  |   |                 | 322,679    |  |   | —  |  |
| OOCRE                              | 3,342               |              |                          | 1,186    |                              |             | 1,193               |  |                          | 5,721    |     |  | 690,291             |              |                                                                  | 19,817   |   |                 | 715,829    |  |   | —  |  |
| NOOCRE                             | 5,156               |              |                          | —  |                              |             | 20,896              |  |                          | 26,052   |     |  | 2,302,579           |              |                                                                  | 12,748   |   |                 | 2,341,379  |  |   | —  |  |
| Commercial                         | 3,088               |              |                          | 2,188    |                              |             | 1,675               |  |                          | 6,951    |     |  | 2,931,696           |              |                                                                  | 3,701    |   |                 | 2,942,348  |  |   | —  |  |
| MW                                 | —             |              |                          | —  |                              |             | —             |  |                          | —  |     |  | 446,227             |              |                                                                  | —  |   |                 | 446,227    |  |   | —  |  |
| Consumer                           | 352                 |              |                          | —  |                              |             | 45                  |  |                          | 397      |     |  | 7,386               |              |                                                                  | 23       |   |                 | 7,806      |  |   | 2        |  |
| Total                              | $                        | 18,378  |                          |               | $                            | 5,614  |                          |  | $                        | 24,308   |     |  | $                        | 48,300  |                                                                  |               | $ | 9,414,311  |                 |  | $ | 39,013   |  |  | $ | 9,501,624  |  |  | $ | 125      |  |

----

|                                                                        |  |                         |              |                 |  |                  |   |  |                                                                                     |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------------|--|-------------------------|--------------|-----------------|--|------------------|---|--|-------------------------------------------------------------------------------------|--|--|--|--|--|--|--|--|--|--|--|
| Loan Modifications Made to Borrowers Experiencing Financial Difficulty |
|                                                                        |  |                         |              |                 |  |                  |
|                                                                        |  | Interest Rate Reduction |              |                 |
|                                                                   |  | Amortized Cost Basis    |              | % of Loan Class |  | Financial Impact |
| 1-4 Family Residential Rentals1                                        |  | $                       | 41,497  |                 |  | 4.5         | % |  | Reduced weighted-average contractual interest rate from floating 7.5% to fixed 6.0% |

|            |  |                      |             |                 |               |                  |   |                                                   |                                                   |  |  |  |  |  |  |  |  |  |  |  |
|------------|--|----------------------|-------------|-----------------|---------------|------------------|---|---------------------------------------------------|---------------------------------------------------|--|--|--|--|--|--|--|--|--|--|--|
|            |  | Term Extension       |             |                 |
|            |  | Amortized Cost Basis |             | % of Loan Class |               | Financial Impact |
| NOOCRE     |  | $                    | 8,887  |                 |               | 0.4         | % |                                                   | Principal and interest deferred over three months |
| Commercial |  | 873             |             |                 | —  | %                |   | Principal and interest deferred over three months |
|            |  | $                    | 9,760  |                 |               |                  |   |                                                   |

|                                |  |             |              |                     |               |                     |               |                   |  |   |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------|--|-------------|--------------|---------------------|---------------|---------------------|---------------|-------------------|--|---|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|
| Payment Status                 |
|                           |  | Current     |              | 30-59 Days Past Due |               | 60-89 Days Past Due |               | 90+ Days Past Due |
| 1-4 Family Residential Rentals |  | $           | 41,497  |                     |               | $                   | —  |                   |  | $ | —  |  |  | $ | —  |  |
| NOOCRE                         |  | 8,887  |              |                     | —  |                     |               | —      |  |   | —  |  |
| Commercial                     |  | 873    |              |                     | —  |                     |               | —      |  |   | —  |  |
| Total                          |  | $           | 51,257  |                     |               | $                   | —  |                   |  | $ | —  |  |  | $ | —  |  |

----

|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |               |               |  |   |               |  |  |              |               |  |  |   |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------|--|------------------------------------------------------|---------------|------|---------------|------|---------------|---------------|--|------|---------------|-------|--|--------------------------------------|---------------|-----------------------------------|---------------|-------|---------------|---------------|--|---|---------------|--|--|--------------|---------------|--|--|---|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                     |  | Term Loans Amortized Cost Basis by Origination Year1 |               |      |               |      |               |               |
|                                     |  | 2023                                                 |               | 2022 |               | 2021 |               | 2020          |  | 2019 |               | Prior |  | Revolving Loans Amortized Cost Basis |               | Revolving Loans Converted to Term |               | Total |
| As of June 30, 2023                      |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Construction and land:               |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Pass                                     |  | $                                                    | 28,704   |      |               | $    | 605,749  |               |  | $    | 600,551  |       |  | $                                    | 153,453  |                                   |               | $     | 3,671    |               |  | $ | 14,393   |  |  | $            | 184,343  |  |  | $ | 502      |  |  | $ | 1,591,366  |  |
| Special mention                          |  | —                                         |               |      | 2,377    |      |               | 3,795    |  |      | 3,065    |       |  | 25,766                          |               |                                   | —  |       |               | —  |  |   | —  |  |  | 35,003  |               |
| Substandard                              |  | —                                         |               |      | —  |      |               | 7,809    |  |      | 25,522   |       |  | —                         |               |                                   | —  |       |               | —  |  |   | —  |  |  | 33,331  |               |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Total construction and land              |  | $                                                    | 28,704   |      |               | $    | 608,126  |               |  | $    | 612,155  |       |  | $                                    | 182,040  |                                   |               | $     | 29,437   |               |  | $ | 14,393   |  |  | $            | 184,343  |  |  | $ | 502      |  |  | $ | 1,659,700  |  |
| Construction and land gross charge-offs  |  | $                                                    | —  |      |               | $    | —  |               |  | $    | —  |       |  | $                                    | —  |                                   |               | $     | —  |               |  | $ | —  |  |  | $            | —  |  |  | $ | —  |  |  | $ | —    |  |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Farmland:                            |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Pass                                     |  | $                                                    | 2,035    |      |               | $    | 2,487    |               |  | $    | 22,399   |       |  | $                                    | 18,265   |                                   |               | $     | 18       |               |  | $ | 5,009    |  |  | $            | 1,450    |  |  | $ | —  |  |  | $ | 51,663     |  |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Total farmland                           |  | $                                                    | 2,035    |      |               | $    | 2,487    |               |  | $    | 22,399   |       |  | $                                    | 18,265   |                                   |               | $     | 18       |               |  | $ | 5,009    |  |  | $            | 1,450    |  |  | $ | —  |  |  | $ | 51,663     |  |
| Farmland gross charge-offs               |  | $                                                    | —  |      |               | $    | —  |               |  | $    | —  |       |  | $                                    | —  |                                   |               | $     | —  |               |  | $ | —  |  |  | $            | —  |  |  | $ | —  |  |  | $ | —    |  |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| 1 - 4 family residential:            |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |
| Pass                                     |  | $                                                    | 29,388   |      |               | $    | 145,300  |               |  | $    | 200,696  |       |  | $                                    | 84,769   |                                   |               | $     | 39,868   |               |  | $ | 284,326  |  |  | $            | 129,061  |  |  | $ | 5,360    |  |  | $ | 918,768    |  |
| Special mention                          |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |               |                                   | 264      |       |               | —  |  |   | —  |  |  | 264     |               |
| Substandard                              |  | —                                         |               |      | 145      |      |               | 725      |  |      | —  |       |  | 129                             |               |                                   | 1,780    |       |               | 532      |  |   | —  |  |  | 3,311   |               |
| PCD                                      |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |               |                                   | 1,099    |       |               | —  |  |   | —  |  |  | 1,099   |               |
| Total 1 - 4 family residential           |  | $                                                    | 29,388   |      |               | $    | 145,445  |               |  | $    | 201,421  |       |  | $                                    | 84,769   |                                   |               | $     | 39,997   |               |  | $ | 287,469  |  |  | $            | 129,593  |  |  | $ | 5,360    |  |  | $ | 923,442    |  |
| 1-4 family residential gross charge-offs |  | $                                                    | —  |      |               | $    | —  |               |  | $    | —  |       |  | $                                    | —  |                                   |               | $     | —  |               |  | $ | —  |  |  | $            | —  |  |  | $ | —  |  |  | $ | —    |  |
|                                          |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |               |                                   |               |       |

----

|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |               |               |  |   |               |  |  |               |                 |  |  |   |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------|--|---------------|---------------|--|---------------|---|---------------|---------------|--|---|---------------|--|--|---------------|---------------|--|---------------|---|---------------|---------------|--|---|---------------|--|--|---------------|-----------------|--|--|---|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
| Multi-family residential:              |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Pass                                       |  | $             | 5,160    |  |               | $ | 77,025   |               |  | $ | 208,657  |  |  | $             | 196,218  |  |               | $ | 8,223    |               |  | $ | 19,953   |  |  | $             | 48,358     |  |  | $ | 26       |  |  | $ | 563,620    |  |
| Special mention                            |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 26,916   |   |               | —  |  |   | —  |  |  | 26,916   |                 |
| Substandard                                |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | 1,937    |               |  | —  |   |               | —  |  |   | —  |  |  | 1,937    |                 |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Total multi-family residential             |  | $             | 5,160    |  |               | $ | 77,025   |               |  | $ | 208,657  |  |  | $             | 196,218  |  |               | $ | 10,160   |               |  | $ | 46,869   |  |  | $             | 48,358     |  |  | $ | 26       |  |  | $ | 592,473    |  |
| Multi-family residential gross charge-offs |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | —    |  |  | $ | —  |  |  | $ | —    |  |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| OOCRE:                                 |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Pass                                       |  | $             | 20,974   |  |               | $ | 154,657  |               |  | $ | 103,045  |  |  | $             | 94,722   |  |               | $ | 42,152   |               |  | $ | 185,144  |  |  | $             | 3,388      |  |  | $ | 12,665   |  |  | $ | 616,747    |  |
| Special mention                            |  | —  |               |  | 9,378    |   |               | 1,028    |  |   | 717      |  |  | 1,921    |               |  | 185      |   |               | —  |  |   | 2,730    |  |  | 15,959   |                 |
| Substandard                                |  | —  |               |  | —  |   |               | 273      |  |   | 1,366    |  |  | —  |               |  | 18,674   |   |               | —  |  |   | 33       |  |  | 20,346   |                 |
| PCD                                        |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 18,550   |   |               | —  |  |   | —  |  |  | 18,550   |                 |
| Total OOCRE                                |  | $             | 20,974   |  |               | $ | 164,035  |               |  | $ | 104,346  |  |  | $             | 96,805   |  |               | $ | 44,073   |               |  | $ | 222,553  |  |  | $             | 3,388      |  |  | $ | 15,428   |  |  | $ | 671,602    |  |
| OOCRE gross charge-offs                    |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | 5        |  |               | $ | 5        |               |  | $ | 106      |  |  | $             | —    |  |  | $ | —  |  |  | $ | 116        |  |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| NOOCRE:                                |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Pass                                       |  | $             | 47,715   |  |               | $ | 732,050  |               |  | $ | 540,159  |  |  | $             | 259,281  |  |               | $ | 155,272  |               |  | $ | 449,700  |  |  | $             | 34,323     |  |  | $ | 12,736   |  |  | $ | 2,231,236  |  |
| Special mention                            |  | —  |               |  | 3,731    |   |               | 39,981   |  |   | 25,209   |  |  | 41,337   |               |  | 54,229   |   |               | —  |  |   | —  |  |  | 164,487  |                 |
| Substandard                                |  | —  |               |  | —  |   |               | 2,764    |  |   | —  |  |  | 1,265    |               |  | 88,168   |   |               | —  |  |   | 7,684    |  |  | 99,881   |                 |
| PCD                                        |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 14,127   |   |               | —  |  |   | —  |  |  | 14,127   |                 |
| Total NOOCRE                               |  | $             | 47,715   |  |               | $ | 735,781  |               |  | $ | 582,904  |  |  | $             | 284,490  |  |               | $ | 197,874  |               |  | $ | 606,224  |  |  | $             | 34,323     |  |  | $ | 20,420   |  |  | $ | 2,509,731  |  |
| NOOCRE gross charge-offs                   |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | —  |  |               | $ | —  |               |  | $ | 8,215    |  |  | $             | —    |  |  | $ | —  |  |  | $ | 8,215      |  |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Commercial:                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Pass                                       |  | $             | 126,009  |  |               | $ | 365,055  |               |  | $ | 117,959  |  |  | $             | 60,365   |  |               | $ | 50,341   |               |  | $ | 59,030   |  |  | $             | 1,961,574  |  |  | $ | 5,505    |  |  | $ | 2,745,838  |  |
| Special mention                            |  | —  |               |  | 14,612   |   |               | 533      |  |   | 1,704    |  |  | 1,292    |               |  | 1,244    |   |               | 24,525   |  |   | —  |  |  | 43,910   |                 |
| Substandard                                |  | —  |               |  | 18,065   |   |               | 19       |  |   | 5,402    |  |  | 2,534    |               |  | 10,968   |   |               | 16,575   |  |   | 3,346    |  |  | 56,909   |                 |
| PCD                                        |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 3,427    |   |               | —  |  |   | —  |  |  | 3,427    |                 |
| Total commercial                           |  | $             | 126,009  |  |               | $ | 397,732  |               |  | $ | 118,511  |  |  | $             | 67,471   |  |               | $ | 54,167   |               |  | $ | 74,669   |  |  | $             | 2,002,674  |  |  | $ | 8,851    |  |  | $ | 2,850,084  |  |
| Commercial gross charge-offs               |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | 48       |  |               | $ | 479      |               |  | $ | 4,064    |  |  | $             | —    |  |  | $ | —  |  |  | $ | 4,591      |  |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| MW:                                    |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Pass                                       |  | $             | 3,927    |  |               | $ | 61,548   |               |  | $ | 182      |  |  | $             | 205      |  |               | $ | 665      |               |  | $ | 170      |  |  | $             | 369,350    |  |  | $ | —  |  |  | $ | 436,047    |  |
| Special mention                            |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 208      |   |               | —  |  |   | —  |  |  | 208      |                 |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Total MW                                   |  | $             | 3,927    |  |               | $ | 61,548   |               |  | $ | 182      |  |  | $             | 205      |  |               | $ | 665      |               |  | $ | 378      |  |  | $             | 369,350    |  |  | $ | —  |  |  | $ | 436,255    |  |
| Mortgage warehouse gross charge-offs       |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | —    |  |  | $ | —  |  |  | $ | —    |  |
|                                            |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Consumer:                              |  |               |               |  |               |   |               |               |  |   |               |  |  |               |               |  |               |   |
| Pass                                       |  | $             | 4,818    |  |               | $ | 1,304    |               |  | $ | 372      |  |  | $             | 726      |  |               | $ | 138      |               |  | $ | 1,916    |  |  | $             | 1,704      |  |  | $ | —  |  |  | $ | 10,978     |  |
| Special mention                            |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 53       |   |               | —  |  |   | —  |  |  | 53       |                 |
| Substandard                                |  | —  |               |  | 29       |   |               | —  |  |   | —  |  |  | 14       |               |  | 98       |   |               | —  |  |   | —  |  |  | 141      |                 |
| PCD                                        |  | —  |               |  | —  |   |               | —  |  |   | —  |  |  | —  |               |  | 17       |   |               | —  |  |   | —  |  |  | 17       |                 |
| Total consumer                             |  | $             | 4,818    |  |               | $ | 1,333    |               |  | $ | 372      |  |  | $             | 726      |  |               | $ | 152      |               |  | $ | 2,084    |  |  | $             | 1,704      |  |  | $ | —  |  |  | $ | 11,189     |  |
| Consumer gross charge-offs                 |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | —  |  |               | $ | —  |               |  | $ | 154      |  |  | $             | —    |  |  | $ | —  |  |  | $ | 154        |  |

----

|                         |  |               |               |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |               |               |  |   |                 |  |  |               |                 |  |  |   |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-------------------------|--|---------------|---------------|--|---------------|---|-----------------|---------------|--|---|-----------------|--|--|---------------|---------------|--|---------------|---|---------------|---------------|--|---|-----------------|--|--|---------------|-----------------|--|--|---|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                         |  |               |               |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Total Pass              |  | $             | 268,730  |  |               | $ | 2,145,175  |               |  | $ | 1,794,020  |  |  | $             | 868,004  |  |               | $ | 300,348  |               |  | $ | 1,019,641  |  |  | $             | 2,733,551  |  |  | $ | 36,794   |  |  | $ | 9,166,263  |  |
| Total Special Mention   |  | —  |               |  | 30,098   |   |                 | 45,337   |  |   | 30,695     |  |  | 70,316   |               |  | 83,099   |   |               | 24,525   |  |   | 2,730      |  |  | 286,800  |                 |
| Total Substandard       |  | —  |               |  | 18,239   |   |                 | 11,590   |  |   | 32,290     |  |  | 5,879    |               |  | 119,688  |   |               | 17,107   |  |   | 11,063     |  |  | 215,856  |                 |
| Total PCD               |  | —  |               |  | —  |   |                 | —  |  |   | —    |  |  | —  |               |  | 37,220   |   |               | —  |  |   | —    |  |  | 37,220   |                 |
| Total                   |  | $             | 268,730  |  |               | $ | 2,193,512  |               |  | $ | 1,850,947  |  |  | $             | 930,989  |  |               | $ | 376,543  |               |  | $ | 1,259,648  |  |  | $             | 2,775,183  |  |  | $ | 50,587   |  |  | $ | 9,706,139  |  |
| Total gross charge-offs |  | $             | —  |  |               | $ | —    |               |  | $ | —    |  |  | $             | 53       |  |               | $ | 484      |               |  | $ | 12,539     |  |  | $             | —    |  |  | $ | —  |  |  | $ | 13,076     |  |

|                                |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |               |               |  |               |               |  |              |               |               |  |  |   |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------|--|------------------------------------------------------|---------------|------|---------------|------|---------------|---------------|--|------|---------------|-------|--|--------------------------------------|--------------|-----------------------------------|---------------|-------|---------------|---------------|--|---------------|---------------|--|--------------|---------------|---------------|--|--|---|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                           |  | Term Loans Amortized Cost Basis by Origination Year1 |               |      |               |      |               |               |
|                           |  | 2022                                                 |               | 2021 |               | 2020 |               | 2019          |  | 2018 |               | Prior |  | Revolving Loans Amortized Cost Basis |              | Revolving Loans Converted to Term |               | Total |
| As of December 31,             |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Construction and land:     |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Pass                           |  | $                                                    | 347,855  |      |               | $    | 709,208  |               |  | $    | 378,229  |       |  | $                                    | 69,241  |                                   |               | $     | 30,673   |               |  | $             | 14,025   |  |              | $             | 215,263  |  |  | $ | 140      |  |  | $ | 1,764,634  |  |
| Special mention                |  | —                                         |               |      | 18,662   |      |               | 2,560    |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | 21,222   |               |
| Substandard                    |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | —  |               |
| PCD                            |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | 1,544    |       |               | —  |  |               | —  |  |              | 1,544    |               |
| Total construction and land    |  | $                                                    | 347,855  |      |               | $    | 727,870  |               |  | $    | 380,789  |       |  | $                                    | 69,241  |                                   |               | $     | 30,673   |               |  | $             | 15,569   |  |              | $             | 215,263  |  |  | $ | 140      |  |  | $ | 1,787,400  |  |
|                                |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Farmland:                  |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Pass                           |  | $                                                    | 2,546    |      |               | $    | 16,242   |               |  | $    | 18,530   |       |  | $                                    | 21      |                                   |               | $     | —  |               |  | $             | 5,069    |  |              | $             | 1,092    |  |  | $ | —  |  |  | $ | 43,500     |  |
| Special mention                |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | —  |               |
| Substandard                    |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | —  |               |
| PCD                            |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | —  |               |
| Total farmland                 |  | $                                                    | 2,546    |      |               | $    | 16,242   |               |  | $    | 18,530   |       |  | $                                    | 21      |                                   |               | $     | —  |               |  | $             | 5,069    |  |              | $             | 1,092    |  |  | $ | —  |  |  | $ | 43,500     |  |
|                                |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| 1 - 4 family residential:  |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Pass                           |  | $                                                    | 135,006  |      |               | $    | 188,635  |               |  | $    | 87,861   |       |  | $                                    | 43,293  |                                   |               | $     | 41,960   |               |  | $             | 257,768  |  |              | $             | 86,900   |  |  | $ | 726      |  |  | $ | 842,149    |  |
| Special mention                |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | 278      |       |               | 26,068   |  |               | —  |  |              | 26,346   |               |
| Substandard                    |  | —                                         |               |      | 184      |      |               | —  |  |      | —  |       |  |                                      |              | 1,028                        |               |       | 23,569   |               |  | —  |               |  | 24,781  |               |
| PCD                            |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | 1,180    |       |               | —  |  |               | —  |  |              | 1,180    |               |
| Total 1 - 4 family residential |  | $                                                    | 135,006  |      |               | $    | 188,819  |               |  | $    | 87,861   |       |  | $                                    | 43,293  |                                   |               | $     | 41,960   |               |  | $             | 260,254  |  |              | $             | 136,537  |  |  | $ | 726      |  |  | $ | 894,456    |  |
|                                |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Multi-family residential:  |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Pass                           |  | $                                                    | 72,044   |      |               | $    | 80,793   |               |  | $    | 110,426  |       |  | $                                    | 8,402   |                                   |               | $     | 32,822   |               |  | $             | 2,494    |  |              | $             | —  |  |  | $ | —  |  |  | $ | 306,981    |  |
| Special mention                |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | —  |               |
| Substandard                    |  | —                                         |               |      | —  |      |               | —  |  |      | 1,954    |       |  | 13,744                          |              |                                   | —  |       |               | —  |  |               | —  |  |              | 15,698   |               |
| PCD                            |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | —  |       |               | —  |  |               | —  |  |              | —  |               |
| Total multi-family residential |  | $                                                    | 72,044   |      |               | $    | 80,793   |               |  | $    | 110,426  |       |  | $                                    | 10,356  |                                   |               | $     | 46,566   |               |  | $             | 2,494    |  |              | $             | —  |  |  | $ | —  |  |  | $ | 322,679    |  |
|                                |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| OOCRE:                     |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| Pass                           |  | $                                                    | 191,044  |      |               | $    | 106,698  |               |  | $    | 84,230   |       |  | $                                    | 43,965  |                                   |               | $     | 49,461   |               |  | $             | 167,968  |  |              | $             | 5,225    |  |  | $ | —  |  |  | $ | 648,591    |  |
| Special mention                |  | —                                         |               |      | 2,321    |      |               | 1,409    |  |      | 1,964    |       |  | —                         |              |                                   | 3,447    |       |               | —  |  |               | 45       |  |              | 9,186    |               |
| Substandard                    |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | 23,231                          |              |                                   | 15,004   |       |               | —  |  |               | —  |  |              | 38,235   |               |
| PCD                            |  | —                                         |               |      | —  |      |               | —  |  |      | —  |       |  | —                         |              |                                   | 19,817   |       |               | —  |  |               | —  |  |              | 19,817   |               |
| Total OOCRE                    |  | $                                                    | 191,044  |      |               | $    | 109,019  |               |  | $    | 85,639   |       |  | $                                    | 45,929  |                                   |               | $     | 72,692   |               |  | $             | 206,236  |  |              | $             | 5,225    |  |  | $ | 45       |  |  | $ | 715,829    |  |
|                                |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |
| NOOCRE:                    |  |                                                      |               |      |               |      |               |               |  |      |               |       |  |                                      |              |                                   |               |       |

----

|                       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |               |               |  |   |               |  |  |               |                 |  |  |   |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------|--|---------------|-----------------|--|---------------|---|-----------------|---------------|--|---|-----------------|--|--|---------------|---------------|--|---------------|---|---------------|---------------|--|---|---------------|--|--|---------------|-----------------|--|--|---|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
| Pass                  |  | $             | 752,476    |  |               | $ | 531,735    |               |  | $ | 215,076    |  |  | $             | 149,246  |  |               | $ | 196,424  |               |  | $ | 305,434  |  |  | $             | 16,642     |  |  | $ | 465      |  |  | $ | 2,167,498  |  |
| Special mention       |  | —  |                 |  | —  |   |                 | 22,774   |  |   | 19,464     |  |  | 12,274   |               |  | 51,451   |   |               | —  |  |   | —  |  |  | 105,963  |                 |
| Substandard           |  | —  |                 |  | —  |   |                 | —  |  |   | 1,310      |  |  | 7,659    |               |  | 46,201   |   |               | —  |  |   | —  |  |  | 55,170   |                 |
| PCD                   |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | 12,697   |               |  | 51       |   |               | —  |  |   | —  |  |  | 12,748   |                 |
| Total NOOCRE          |  | $             | 752,476    |  |               | $ | 531,735    |               |  | $ | 237,850    |  |  | $             | 170,020  |  |               | $ | 229,054  |               |  | $ | 403,137  |  |  | $             | 16,642     |  |  | $ | 465      |  |  | $ | 2,341,379  |  |
|                       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Commercial:       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Pass                  |  | $             | 473,084    |  |               | $ | 132,396    |               |  | $ | 90,543     |  |  | $             | 83,996   |  |               | $ | 40,030   |               |  | $ | 31,269   |  |  | $             | 1,906,074  |  |  | $ | 553      |  |  | $ | 2,757,945  |  |
| Special mention       |  | —  |                 |  | 666      |   |                 | —  |  |   | 4,543      |  |  | 7,385    |               |  | 270      |   |               | 114,447  |  |   | —  |  |  | 127,311  |                 |
| Substandard           |  | 17,894   |                 |  | 4,058    |   |                 | 5,189    |  |   | 4,195      |  |  | 10,954   |               |  | 4,732    |   |               | 6,292    |  |   | 77       |  |  | 53,391   |                 |
| PCD                   |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | 273      |               |  | 3,428    |   |               | —  |  |   | —  |  |  | 3,701    |                 |
| Total commercial      |  | $             | 490,978    |  |               | $ | 137,120    |               |  | $ | 95,732     |  |  | $             | 92,734   |  |               | $ | 58,642   |               |  | $ | 39,699   |  |  | $             | 2,026,813  |  |  | $ | 630      |  |  | $ | 2,942,348  |  |
|                       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| MW:               |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Pass                  |  | $             | —    |  |               | $ | —    |               |  | $ | —    |  |  | $             | —  |  |               | $ | —  |               |  | $ | —  |  |  | $             | 444,393    |  |  | $ | —  |  |  | $ | 444,393    |  |
| Special mention       |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | —  |               |  | —  |   |               | 1,626    |  |   | —  |  |  | 1,626    |                 |
| Substandard           |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | 46       |               |  | 162      |   |               | —  |  |   | —  |  |  | 208      |                 |
|                       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Total MW              |  | $             | —    |  |               | $ | —    |               |  | $ | —    |  |  | $             | —  |  |               | $ | 46       |               |  | $ | 162      |  |  | $             | 446,019    |  |  | $ | —  |  |  | $ | 446,227    |  |
|                       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Consumer:         |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Pass                  |  | $             | 1,965      |  |               | $ | 452        |               |  | $ | 872        |  |  | $             | 216      |  |               | $ | 135      |               |  | $ | 2,298    |  |  | $             | 1,618      |  |  | $ | —  |  |  | $ | 7,556      |  |
| Special mention       |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | —  |               |  | 58       |   |               | —  |  |   | —  |  |  | 58       |                 |
| Substandard           |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | —  |               |  | 169      |   |               | —  |  |   | —  |  |  | 169      |                 |
| PCD                   |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | —  |               |  | 23       |   |               | —  |  |   | —  |  |  | 23       |                 |
| Total consumer        |  | $             | 1,965      |  |               | $ | 452        |               |  | $ | 872        |  |  | $             | 216      |  |               | $ | 135      |               |  | $ | 2,548    |  |  | $             | 1,618      |  |  | $ | —  |  |  | $ | 7,806      |  |
|                       |  |               |                 |  |               |   |                 |               |  |   |                 |  |  |               |               |  |               |   |
| Total Pass            |  | $             | 1,976,020  |  |               | $ | 1,766,159  |               |  | $ | 985,767    |  |  | $             | 398,380  |  |               | $ | 391,505  |               |  | $ | 786,325  |  |  | $             | 2,677,207  |  |  | $ | 1,884    |  |  | $ | 8,983,247  |  |
| Total Special Mention |  | —  |                 |  | 21,649   |   |                 | 26,743   |  |   | 25,971     |  |  | 19,659   |               |  | 55,504   |   |               | 142,141  |  |   | 45       |  |  | 291,712  |                 |
| Total Substandard     |  | 17,894   |                 |  | 4,242    |   |                 | 5,189    |  |   | 7,459      |  |  | 55,634   |               |  | 67,296   |   |               | 29,861   |  |   | 77       |  |  | 187,652  |                 |
| Total PCD             |  | —  |                 |  | —  |   |                 | —  |  |   | —    |  |  | 12,970   |               |  | 26,043   |   |               | —  |  |   | —  |  |  | 39,013   |                 |
| Total                 |  | $             | 1,993,914  |  |               | $ | 1,792,050  |               |  | $ | 1,017,699  |  |  | $             | 431,810  |  |               | $ | 479,768  |               |  | $ | 935,168  |  |  | $             | 2,849,209  |  |  | $ | 2,006    |  |  | $ | 9,501,624  |  |

|                                                  |  |                             |              |                           |           |      |              |             |  |   |              |  |  |   |              |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------------|--|-----------------------------|--------------|---------------------------|-----------|------|--------------|-------------|--|---|--------------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|
|                                             |  | Three Months Ended June 30, |              | Six Months Ended June 30, |
|                                             |  | 2023                        |              | 2022                      |           | 2023 |              | 2022        |
| Balance at beginning of period                   |  | $                           | 15,248  |                           |           | $    | 18,168  |             |  | $ | 14,880  |  |  | $ | 17,705  |  |
|                                                  |  |                             |              |                           |           |      |              |             |
| Increase from loan sales                         |  | 814                    |              |                           | 207  |      |              | 1,773  |  |   | 1,698   |  |
| Servicing asset net recoveries, (net impairment) |  | 438                    |              |                           | (1,603)   |      |              | 862    |  |   | (1,883)      |  |
| Amortization charged as a reduction to income    |  | (1,577)                     |              |                           | (1,092)   |      |              | (2,592)     |  |   | (1,840)      |  |
| Balance at end of period                         |  | $                           | 14,923  |                           |           | $    | 15,680  |             |  | $ | 14,923  |  |  | $ | 15,680  |  |

----

|                          |                             |           |                           |             |      |              |              |  |   |              |  |  |   |              |  |  |  |  |  |  |  |  |  |
|--------------------------|-----------------------------|-----------|---------------------------|-------------|------|--------------|--------------|--|---|--------------|--|--|---|--------------|--|--|--|--|--|--|--|--|--|
|                          | Three Months Ended June 30, |           | Six Months Ended June 30, |
|                          | 2023                        |           | 2022                      |             | 2023 |              | 2022         |
| SBA LHI principal sold   | $                           | 590  |                           |             | $    | 11,511  |              |  | $ | 6,930   |  |  | $ | 15,886  |  |
| Gain on sale of SBA LHI  | 431                    |           |                           | 1,186  |      |              | 579     |  |   | 1,719   |  |
| USDA LHI principal sold  | 18,638                 |           |                           | 500    |      |              | 62,640  |  |   | 20,500  |  |
| Gain on sale of USDA LHI | 2,679                  |           |                           | 80     |      |              | 9,663   |  |   | 3,708   |  |

|                                                                                    |  |                    |               |                    |               |                    |               |                      |  |   |               |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------------------------|--|--------------------|---------------|--------------------|---------------|--------------------|---------------|----------------------|--|---|---------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                                                    |  | June 30, 2023      |
|                                                                               |  | Level 1Inputs |               | Level 2Inputs |               | Level 3Inputs |               | TotalFair Value |
| Financial Assets:                                                              |  |                    |               |                    |               |                    |               |                      |
| AFS debt securities                                                                |  | $                  | —  |                    |               | $                  | 961,045  |                      |  | $ | —  |  |  | $ | 961,045  |  |
| Equity securities with a readily determinable fair value                           |  | 9,761         |               |                    | —  |                    |               | —         |  |   | 9,761    |  |
|                                                                                    |  |                    |               |                    |               |                    |               |                      |
| LHFS(1)                                                                            |  | —       |               |                    | 28,691   |                    |               | —         |  |   | 28,691   |  |
| Interest rate swap designated as hedging instruments                               |  | —       |               |                    | 25,041   |                    |               | —         |  |   | 25,041   |  |
| Correspondent interest rate swaps not designated as hedging instruments            |  | —       |               |                    | 41,369   |                    |               | —         |  |   | 41,369   |  |
| Customer interest rate swaps not designated as hedging instruments                 |  | —       |               |                    | 479      |                    |               | —         |  |   | 479      |  |
| Correspondent interest rate caps and collars not designated as hedging instruments |  | —       |               |                    | 2,152    |                    |               | —         |  |   | 2,152    |  |
|                                                                                    |  |                    |               |                    |               |                    |               |                      |
| Financial Liabilities:                                                         |  |                    |               |                    |               |                    |               |                      |
| Interest rate swap designated as hedging instruments                               |  | $                  | —  |                    |               | $                  | 55,057   |                      |  | $ | —  |  |  | $ | 55,057   |  |
| Correspondent interest rate swaps not designated as hedging instruments            |  | —       |               |                    | 581      |                    |               | —         |  |   | 581      |  |
| Customer interest rate swaps not designated as hedging instruments                 |  | —       |               |                    | 40,755   |                    |               | —         |  |   | 40,755   |  |
|                                                                                    |  |                    |               |                    |               |                    |               |                      |
| Customer interest rate caps and collars not designated as hedging instruments      |  | —       |               |                    | 2,152    |                    |               | —         |  |   | 2,152    |  |

----

|                                                                                    |  |                    |               |                    |               |                    |                 |                      |  |   |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------------------------|--|--------------------|---------------|--------------------|---------------|--------------------|-----------------|----------------------|--|---|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                                               |  | December 31, 2022  |
|                                                                               |  | Level 1Inputs |               | Level 2Inputs |               | Level 3Inputs |                 | TotalFair Value |
| Financial Assets:                                                              |  |                    |               |                    |               |                    |                 |                      |
|  AFS debt securities                                                          |  | $                  | —  |                    |               | $                  | 1,096,292  |                      |  | $ | —  |  |  | $ | 1,096,292  |  |
| Equity securities with a readily determinable fair value                           |  | 9,792         |               |                    | —  |                    |                 | —         |  |   | 9,792    |  |
| PPP loans                                                                          |  | —       |               |                    | —  |                    |                 | 1,995           |  |   | 1,995    |  |
| LHFS(1)                                                                            |  | —       |               |                    | 19,775   |                    |                 | —         |  |   | 19,775   |  |
| Interest rate swap designated as hedging instruments                               |  | —       |               |                    | 26,523   |                    |                 | —         |  |   | 26,523   |  |
| Correspondent interest rate swaps not designated as hedging instruments            |  | —       |               |                    | 38,839   |                    |                 | —         |  |   | 38,839   |  |
| Customer interest rate swaps not designated as hedging instruments                 |  | —       |               |                    | 1,004    |                    |                 | —         |  |   | 1,004    |  |
| Correspondent interest rate caps and collars not designated as hedging instruments |  | —       |               |                    | 1,494    |                    |                 | —         |  |   | 1,494    |  |
| Financial Liabilities:                                                         |  |                    |               |                    |               |                    |                 |                      |
| Interest rate swap designated as hedging instruments                               |  | $                  | —  |                    |               | $                  | 54,171     |                      |  | $ | —  |  |  | $ | 54,171     |  |
| Correspondent interest rate swaps not designated as hedging instruments            |  | —       |               |                    | 1,126    |                    |                 | —         |  |   | 1,126    |  |
| Customer interest rate swaps not designated as hedging instruments                 |  | —       |               |                    | 38,188   |                    |                 | —         |  |   | 38,188   |  |
| Customer interest rate caps and collars not designated as hedging instruments      |  | —       |               |                    | 1,494    |                    |                 | —         |  |   | 1,494    |  |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |
|                                                                                    |  |                    |               |                    |               |                    |                 |                      |

|                                             |  |                                        |               |                          |               |                          |               |                          |  |   |              |  |  |   |             |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------|--|----------------------------------------|---------------|--------------------------|---------------|--------------------------|---------------|--------------------------|--|---|--------------|--|--|---|-------------|--|--|--|--|--|--|--|--|--|--|--|
|                                        |  | Fair ValueMeasurements Using |               |                     |
|                                        |  | Level 1Inputs                     |               | Level 2Inputs       |               | Level 3Inputs       |               | TotalFair Value     |
| As of June 30, 2023                         |  |                    |               |      |               |      |               |      |
|   Assets:                     |  |                                   |               |                     |               |                     |               |                     |
| Collateral dependent loans with an ACL      |  | $                                      | —  |                          |               | $                        | —  |                          |  | $ | 7,674   |  |  | $ | 7,674  |  |
| Servicing assets with a valuation allowance |  | —                           |               |                          | —  |                          |               | 7,396               |  |   | 7,396   |  |
| As of December 31, 2022                     |  |                                        |               |                          |               |                          |               |                          |
|   Assets:                     |  |                                        |               |                          |               |                          |               |                          |
| Collateral dependent loans with an ACL      |  | $                                      | —  |                          |               | $                        | —  |                          |  | $ | 7,969   |  |  | $ | 7,969  |  |
| Servicing assets with a valuation allowance |  | —                           |               |                          | —  |                          |               | 10,984              |  |   | 10,984  |  |

----

|                                                             |  |                 |                 |            |               |         |               |                 |         |   |                 |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |
|-------------------------------------------------------------|--|-----------------|-----------------|------------|---------------|---------|---------------|-----------------|---------|---|-----------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                             |  |                 |                 | Fair Value |
|                                                             |  | CarryingAmount  |                 | Level 1    |               | Level 2 |               | Level 3         |
| June 30, 2023                                               |  |                 |                 |            |               |         |               |                 |
| Financial assets:                                       |  |                 |                 |            |               |         |               |                 |
| Cash and cash equivalents                                   |  | $               | 663,921    |            |               | $       | —  |                 |         | $ | 663,921    |  |  | $ | —  |  |
| HTM debt securities                                         |  | 182,975    |                 |            | —  |         |               | 158,767    |         |   | —    |  |
|                                                             |  |                 |                 |            |               |         |               |                 |
| LHFS(1)                                                     |  | 1,185      |                 |            | —  |         |               | —    |         |   | 1,185      |  |
|                                                             |  |                 |                 |            |               |         |               |                 |
|                                                             |  |                 |                 |            |               |         |               |                 |
| LHI(2)                                                      |  | 9,583,614  |                 |            | —  |         |               | —    |         |   | 9,386,165  |  |
| Accrued interest receivable                                 |  | 42,637     |                 |            | —  |         |               | 42,637     |         |   | —    |  |
| BOLI                                                        |  | 84,375     |                 |            | —  |         |               | 84,375     |         |   | —    |  |
| Servicing asset                                             |  | 7,527      |                 |            | —  |         |               | 7,527      |         |   | —    |  |
| Equity securities without a readily determinable fair value |  | 11,098     |                 |            | N/A       |         | N/A       |                 | N/A |
| FHLB and FRB stock                                          |  | 117,017    |                 |            | N/A       |         | N/A       |                 | N/A |
| Financial liabilities:                                  |  |                 |                 |            |               |         |               |                 |
| Deposits                                                    |  | $               | 9,233,909  |            |               | $       | —  |                 |         | $ | 8,414,776  |  |  | $ | —  |  |
| Advances from FHLB                                          |  | 1,325,000  |                 |            | —  |         |               | 1,324,267  |         |   | —    |  |
| Accrued interest payable                                    |  | 29,511     |                 |            | —  |         |               | 29,511     |         |   | —    |  |
| Subordinated debentures and subordinated notes              |  | 229,279    |                 |            | —  |         |               | 229,279    |         |   | —    |  |
|                                                             |  |                 |                 |            |               |         |               |                 |
|                                                             |  |                 |                 |            |               |         |               |                 |
| December 31, 2022                                           |  |                 |                 |            |               |         |               |                 |
| Financial assets:                                       |  |                 |                 |            |               |         |               |                 |
| Cash and cash equivalents                                   |  | $               | 436,077    |            |               | $       | —  |                 |         | $ | 436,077    |  |  | $ | —  |  |
| HTM debt securities                                         |  | 186,168    |                 |            | —  |         |               | 158,781    |         |   | —    |  |
| Securities purchased under agreements to resell             |  | —    |                 |            | —  |         |               | —    |         |   | —    |  |
| LHFS(1)                                                     |  | 866        |                 |            | —  |         |               | 866        |         |   | —    |  |
|                                                             |  |                 |                 |            |               |         |               |                 |
| LHI(2)                                                      |  | 9,399,614  |                 |            | —  |         |               | —    |         |   | 9,163,616  |  |
| Accrued interest receivable                                 |  | 44,035     |                 |            | —  |         |               | 44,035     |         |   | —    |  |
| BOLI                                                        |  | 84,496     |                 |            | —  |         |               | 84,496     |         |   | —    |  |
| Servicing asset                                             |  | 3,896      |                 |            | —  |         |               | 3,896      |         |   | —    |  |
| Equity securities without a readily determinable fair value |  | 10,072     |                 |            | N/A       |         | N/A       |                 | N/A |
| FHLB and FRB stock                                          |  | 101,568    |                 |            | N/A       |         | N/A       |                 | N/A |
| Financial liabilities:                                  |  |                 |                 |            |               |         |               |                 |
| Deposits                                                    |  | $               | 9,123,234  |            |               | $       | —  |                 |         | $ | 8,341,419  |  |  | $ | —  |  |
| Advances from FHLB                                          |  | 1,175,000  |                 |            | —  |         |               | 1,156,852  |         |   | —    |  |
| Accrued interest payable                                    |  | 8,795      |                 |            | —  |         |               | 8,795      |         |   | —    |  |
| Subordinated debentures and subordinated notes              |  | 228,775    |                 |            | —  |         |               | 228,775    |         |   | —    |  |
| Securities sold under agreement to repurchase               |  | —    |                 |            | —  |         |               | —    |         |   | —    |  |
|                                                             |  |                 |                 |            |               |         |               |                 |

----

|                                                                       |                |                 |                      |               |                      |              |                      |  |                  |               |                      |  |               |                 |  |               |   |              |  |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------------------------------------------|----------------|-----------------|----------------------|---------------|----------------------|--------------|----------------------|--|------------------|---------------|----------------------|--|---------------|-----------------|--|---------------|---|--------------|--|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                  | June 30, 2023  |                 | December 31, 2022    |
|                                                                       |                |                 | Estimated Fair Value |               |                      |              | Estimated Fair Value |
|                                                                  | NotionalAmount |                 | Asset Derivative     |               | Liability Derivative |              | NotionalAmount       |  | Asset Derivative |               | Liability Derivative |
| Derivatives designated as hedging instruments (cash flow hedges): |                |                 |                      |               |                      |              |                      |  |                  |               |                      |
| Interest rate swap on money market deposit account payments           | $              | 250,000    |                      |               | $                    | 18,627  |                      |  | $                | —  |                      |  | $             | 250,000    |  |               | $ | 21,234  |  |  | $ | —  |  |
| Interest rate swaps on customer loan interest payments                | 375,000   |                 |                      | —  |                      |              | 48,297          |  |                  | 375,000  |                      |  | —  |                 |  | 49,211   |   |
| Interest rate collars on customer loan interest payments              | 450,000   |                 |                      | 1,087    |                      |              | 6,760           |  |                  | 450,000  |                      |  | 3,267    |                 |  | 4,960    |   |
| Interest rate floor on customer loan interest payments                | 200,000   |                 |                      | 5,327    |                      |              | —         |  |                  | 100,000  |                      |  | 2,022    |                 |  | —  |   |
| Total derivatives designated as hedging instruments                   | $              | 1,275,000  |                      |               | $                    | 25,041  |                      |  | $                | 55,057   |                      |  | $             | 1,175,000  |  |               | $ | 26,523  |  |  | $ | 54,171   |  |
|                                                                       |                |                 |                      |               |                      |              |                      |  |                  |               |                      |
| Derivatives not designated as hedging instruments:                |           |                 |                 |               |                 |              |                 |  |             |               |                 |
| Financial institution counterparty:                               |           |                 |                 |               |                 |              |                 |  |             |               |                 |
| Interest rate swaps                                                   | $              | 874,222    |                      |               | $                    | 41,369  |                      |  | $                | 581      |                      |  | $             | 805,311    |  |               | $ | 38,839  |  |  | $ | 1,126    |  |
| Interest rate caps and corridors                                      | 111,270   |                 |                      | 2,152    |                      |              | —         |  |                  | 68,370   |                      |  | 1,494    |                 |  | —  |   |
| Commercial customer counterparty:                                 |                |                 |                      |               |                      |              |                      |  |                  |               |                      |
| Interest rate swaps                                                   | 874,222   |                 |                      | 479      |                      |              | 40,755          |  |                  | 805,311  |                      |  | 1,004    |                 |  | 38,188   |   |
| Interest rate caps and corridors                                      | 111,270   |                 |                      | —  |                      |              | 2,152           |  |                  | 68,370   |                      |  | —  |                 |  | 1,494    |   |
| Total derivatives not designated as hedging instruments               | $              | 1,970,984  |                      |               | $                    | 44,000  |                      |  | $                | 43,488   |                      |  | $             | 1,747,362  |  |               | $ | 41,337  |  |  | $ | 40,808   |  |
| Offsetting derivative assets/liabilities                          | —   |                 |                      | (33,158)      |                      |              | (33,158)             |  |                  | —  |                      |  | (30,982)      |                 |  | (30,982)      |   |
| Total derivatives                                                     | $              | 3,245,984  |                      |               | $                    | 35,883  |                      |  | $                | 65,387   |                      |  | $             | 2,922,362  |  |               | $ | 36,878  |  |  | $ | 63,997   |  |

----

|                                                                            |                                                                    |          |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                           |  |                                                                                              |           |   |             |                  |             |  |  |                  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|----------------------------------------------------------------------------|--------------------------------------------------------------------|----------|-----------------------------------------------------------------------------------|-------------|----------------------------------------------------------------------------------------------|-------------|--------------------------------------------------------------------|--|---------------------------------------------------------------------------|--|----------------------------------------------------------------------------------------------|-----------|---|-------------|------------------|-------------|--|--|------------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                       | For the Three Months EndedJune 30, 2023                            |          | For the Three Months EndedJune 30, 2022                                           |
|                                                                       | (Loss) gain recognized in other comprehensive income on derivative |          | Gain (loss) reclassified from accumulated other comprehensive income into  income |             | Location of (loss) gain reclassified from accumulated other comprehensive income into income |             | (Loss) gain recognized in other comprehensive income on derivative |  | Gain reclassified from accumulated other comprehensive income into income |  | Location of (loss) gain reclassified from accumulated other comprehensive income into income |
| Derivatives designated as hedging instruments (cash flow hedges):      |                                                                    |          |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                           |  |                                                                                              |
| Interest rate swap on borrowing advances                                   | $                                                                  | (1,094)  |                                                                                   |             | $                                                                                            | 1,094  |                                                                    |  | Interest Expense                                                          |  | $                                                                                            | (1,094)   |   |             | $                | 1,094  |  |  | Interest Expense |
| Interest rate swap on money market deposit account payments                | 1,370                                                         |          |                                                                                   | 2,866  |                                                                                              |             | Interest Expense                                                   |  | 2,323                                                                |  |                                                                                              | 229  |   |             | Interest Expense |
| Interest rate swaps, collars and floors on customer loan interest payments | (15,309)                                                           |          |                                                                                   | (4,706)     |                                                                                              |             | Interest Income                                                    |  | (12,801)                                                                  |  |                                                                                              | 499  |   |             | Interest Income  |
| Total                                                                      | $                                                                  | (15,033) |                                                                                   |             | $                                                                                            | (746)       |                                                                    |  |                                                                           |  | $                                                                                            | (11,572)  |   |             | $                | 1,822  |  |  |                  |
|                                                                            |                                                                    |          |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                           |  |                                                                                              |
|                                                                            |                                                                    |          |                                                                                   |             | Net gain recognized in other noninterest income                                              |             |                                                                    |  |                                                                           |  | Net gain  recognized in other noninterest income                                             |
| Derivatives not designated as hedging instruments:                     |                                                                    |          |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                           |  |                                                                                              |
| Interest rate swaps, caps and collars                                      |                                                                    |          |                                                                                   |             | $                                                                                            | 983    |                                                                    |  |                                                                           |  |                                                                                              |           | $ | 1,407  |                  |

----

|                                                                            |                                                                    |         |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                                  |  |                                                                                              |             |   |             |                  |             |  |  |                  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|----------------------------------------------------------------------------|--------------------------------------------------------------------|---------|-----------------------------------------------------------------------------------|-------------|----------------------------------------------------------------------------------------------|-------------|--------------------------------------------------------------------|--|----------------------------------------------------------------------------------|--|----------------------------------------------------------------------------------------------|-------------|---|-------------|------------------|-------------|--|--|------------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                                            | For the Six Months EndedJune 30, 2023                              |         | For the Six Months EndedJune 30, 2022                                             |
|                                                                            | (Loss) gain recognized in other comprehensive income on derivative |         | Gain (loss) reclassified from accumulated other comprehensive income into  income |             | Location of (loss) gain reclassified from accumulated other comprehensive income into income |             | Gain (loss) recognized in other comprehensive income on derivative |  | (Loss) gain reclassified from accumulated other comprehensive income into income |  | Location of (loss) gain reclassified from accumulated other comprehensive income into income |
| Derivatives designated as hedging instruments (cash flow hedges):      |                                                                    |         |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                                  |  |                                                                                              |
| Interest rate swap on borrowing advances                                   | $                                                                  | (2,176) |                                                                                   |             | $                                                                                            | 2,176  |                                                                    |  | Interest Expense                                                                 |  | $                                                                                            | (1,358)     |   |             | $                | 1,358  |  |  | Interest Expense |
| Interest rate swap on money market deposit account payments                | (2,607)                                                            |         |                                                                                   | 5,434  |                                                                                              |             | Interest Expense                                                   |  | 11,712                                                                      |  |                                                                                              | 58     |   |             | Interest Expense |
| Interest rate swaps, collars and floors on customer loan interest payments | (3,171)                                                            |         |                                                                                   | (8,513)     |                                                                                              |             | Interest Income                                                    |  | (35,307)                                                                         |  |                                                                                              | 1,577  |   |             | Interest Income  |
| Total                                                                      | $                                                                  | (7,954) |                                                                                   |             | $                                                                                            | (903)       |                                                                    |  |                                                                                  |  | $                                                                                            | (24,953)    |   |             | $                | 2,993  |  |  |                  |
|                                                                            |                                                                    |         |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                                  |  |                                                                                              |
|                                                                            |                                                                    |         |                                                                                   |             | Net gain recognized in other noninterest income                                              |             |                                                                    |  |                                                                                  |  | Net gain  recognized in other noninterest income                                             |
| Derivatives not designated as hedging instruments:                     |                                                                    |         |                                                                                   |             |                                                                                              |             |                                                                    |  |                                                                                  |  |                                                                                              |
| Interest rate swaps, caps and collars                                      |                                                                    |         |                                                                                   |             | $                                                                                            | 1,196  |                                                                    |  |                                                                                  |  |                                                                                              |             | $ | 2,126  |                  |

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
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|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

----

|                                                      |                   |               |            |  |               |  |                                                                                              |  |                         |  |   |              |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------|-------------------|---------------|------------|--|---------------|--|----------------------------------------------------------------------------------------------|--|-------------------------|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                 | June 30, 2023     |
|                                                 | Notional Amount   |               | Fixed Rate |  | Floating Rate |  | Maturity                                                                                     |  | Fair Value         |
| Non-hedging derivative instruments:              |              |               |       |  |          |  |                                                                                         |  |                    |
| Customer interest rate derivative:               |              |               |       |  |          |  |                                                                                         |  |                    |
| Interest rate swaps - receive fixed/pay floating | $                 | 874,222  |            |  | 2.41% - 7.37% |  | LIBOR 1 month + 3.0% - 5.0%SOFR CME 1 month + 0.0% -  3.8%SOFR-NYFD 30 day avg + 2.5% - 3.0% |  | Wtd. Avg.4.6 years |  | $ | (40,276)     |  |
| Interest rate caps and corridors                     | $                 | 111,270  |            |  | 3.50% - 5.90% |  | SOFR CME 1 month + 0.0%                                                                      |  | Wtd. Avg.1.3 years |  | $ | (2,152)      |  |
|                                                      |                   |               |            |  |               |  |                                                                                              |  |                         |
| Correspondent interest rate derivative:          |              |               |       |  |          |  |                                                                                         |  |                    |
| Interest rate swaps - pay fixed/receive floating | $                 | 874,222  |            |  | 2.41% - 7.37% |  | LIBOR 1 month + 3.0% - 5.0%SOFR CME 1 month + 0.0% - 3.8%SOFR-NYFD 30 day avg + 2.5% - 3.0%  |  | Wtd. Avg.4.6 years |  | $ | 40,788  |  |
| Interest rate caps and corridors                     | $                 | 111,270  |            |  | 3.50% - 5.90% |  | SOFR CME 1 month + 0.0%                                                                      |  | Wtd. Avg.1.3 years |  | $ | 2,152   |  |
|                                                      |                   |               |            |  |               |  |                                                                                              |  |                         |
|                                                      | December 31, 2022 |
|                                                      | Notional Amount   |               | Fixed Rate |  | Floating Rate |  | Maturity                                                                                     |  | Fair Value         |
| Non-hedging derivative instruments:              |                   |               |            |  |               |  |                                                                                              |  |                         |
| Customer interest rate derivative:               |                   |               |            |  |               |  |                                                                                              |  |                         |
| Interest rate swaps - receive fixed/pay floating | $                 | 805,311  |            |  | 2.41% - 8.47% |  | LIBOR 1 month + 2.8% - 5.0%SOFR CME 1 month + 0.0% - 3.8%SOFR-NYFD 30 day avg + 2.5% - 3.0%  |  | Wtd. Avg.5.1 years |  | $ | (37,183)     |  |
| Interest rate caps and corridors                     | $                 | 68,370   |            |  | 3.50%         |  | LIBOR 1 month + 0.0%                                                                         |  | Wtd. Avg.1.8 years |  | $ | (1,494)      |  |
|                                                      |                   |               |            |  |               |  |                                                                                              |  |                         |
| Correspondent interest rate derivative:          |                   |               |            |  |               |  |                                                                                              |  |                         |
| Interest rate swaps - pay fixed/receive floating | $                 | 805,311  |            |  | 2.41% - 8.47% |  | LIBOR 1 month + 2.8% - 5.0%SOFR CME 1 month + 0.0% - 3.8%SOFR-NYFD 30 day avg + 2.5% - 3.0%  |  | Wtd. Avg.5.1 years |  | $ | 37,713  |  |
| Interest rate caps and corridors                     | $                 | 68,370   |            |  | 3.50%         |  | LIBOR 1 month + 0.0%                                                                         |  | Wtd. Avg.1.8 years |  | $ | 1,494   |  |

----

|                                          |  |               |                 |              |                 |   |                 |  |  |  |  |  |  |  |
|------------------------------------------|--|---------------|-----------------|--------------|-----------------|---|-----------------|--|--|--|--|--|--|--|
|                                     |  | June 30,      |                 | December 31, |
|                                     |  | 2023          |                 | 2022         |
| Commitments to extend credit             |  | $             | 3,606,714  |              |                 | $ | 4,511,671  |  |
| MW commitments                           |  | 984,453  |                 |              | 1,088,558  |   |
| Standby and commercial letters of credit |  | 102,935  |                 |              | 98,179     |   |
| Total                                    |  | $             | 4,694,102  |              |                 | $ | 5,698,408  |  |

|                                                               |  |                             |              |                           |               |      |             |           |  |   |              |  |  |   |             |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------------------------------------------|--|-----------------------------|--------------|---------------------------|---------------|------|-------------|-----------|--|---|--------------|--|--|---|-------------|--|--|--|--|--|--|--|--|--|--|--|
|                                                          |  | Three Months Ended June 30, |              | Six Months Ended June 30, |
|                                                          |  | 2023                        |              | 2022                      |               | 2023 |             | 2022      |
| Beginning balance for ACL on unfunded commitments             |  | $                           | 11,583  |                           |               | $    | 9,759  |           |  | $ | 10,086  |  |  | $ | 9,266  |  |
| (Benefit) provision for credit losses on unfunded commitments |  | (1,129)                     |              |                           | —  |      |             | 368  |  |   | 493     |  |
| Ending balance of ACL on unfunded commitments                 |  | $                           | 10,454  |                           |               | $    | 9,759  |           |  | $ | 10,454  |  |  | $ | 9,759  |  |

----

|                                              |  |                                               |  |                       |             |                                |  |                           |               |  |   |           |               |  |  |  |  |  |  |  |  |  |  |  |  |  |
|----------------------------------------------|--|-----------------------------------------------|--|-----------------------|-------------|--------------------------------|--|---------------------------|---------------|--|---|-----------|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                              |  | 2010 Incentive Plan                           |
|                                         |  | Non-Performance Based Stock Options |
|                                         |  | SharesUnderlyingOptions                       |  | WeightedExercisePrice |             | WeightedAverageContractualTerm |  | Aggregate Intrinsic Value |
| Outstanding at January 1, 2022               |  | 1,000                                    |  |                       | $           | 10.43                     |  |                           |               |  |   |
|                                              |  |                                               |  |                       |             |                                |  |                           |
|                                              |  |                                               |  |                       |             |                                |  |                           |
|                                              |  |                                               |  |                       |             |                                |  |                           |
|                                              |  |                                               |  |                       |             |                                |  |                           |
| Outstanding and exercisable at June 30, 2022 |  | 1,000                                    |  |                       | $           | 10.43                     |  |                           | 1.07          |  |   |
|                                              |  |                                               |  |                       |             |                                |  |                           |
| Outstanding at January 1, 2023               |  | 1,000                                    |  |                       | $           | 10.43                     |  |                           | 1.07          |  | $ | 147  |               |
|                                              |  |                                               |  |                       |             |                                |  |                           |
|                                              |  |                                               |  |                       |             |                                |  |                           |
|                                              |  |                                               |  |                       |             |                                |  |                           |
| Exercised                                    |  | (1,000)                                       |  |                       | 10.43  |                                |  |                           |               |  |
| Outstanding and exercisable at June 30, 2023 |  | —                                  |  |                       | $           | —                   |  |                           | —  |  |   | $         | —  |  |
|                                              |  |                                               |  |                       |             |                                |  |                           |

|                                              |  |                                                |          |      |  |   |               |  |  |  |  |  |  |  |
|----------------------------------------------|--|------------------------------------------------|----------|------|--|---|---------------|--|--|--|--|--|--|--|
|                                              |  | Fair Value of Options Exercised as of June 30, |
|                                         |  | 2023                                           |          | 2022 |
| Nonperformance-based stock options exercised |  | $                                              | 16  |      |  | $ | —  |  |
|                                              |  |                                                |          |      |

----

|                           |  |                             |             |                           |           |      |             |           |  |   |             |  |  |   |             |  |  |  |  |  |  |  |  |  |  |  |
|---------------------------|--|-----------------------------|-------------|---------------------------|-----------|------|-------------|-----------|--|---|-------------|--|--|---|-------------|--|--|--|--|--|--|--|--|--|--|--|
|                           |  | Three Months Ended June 30, |             | Six Months Ended June 30, |
|                      |  | 2023                        |             | 2022                      |           | 2023 |             | 2022      |
| 2022 Equity Plan          |  | $                           | 2,680  |                           |           | $    | 2,444  |           |  | $ | 5,145  |  |  | $ | 5,348  |  |
| Veritex (Green) 2014 Plan |  | 487                    |             |                           | 200  |      |             | 909  |  |   | 614    |  |

|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------|--|-----------------------------------------------|--|-----------------------|-------------|--------------------------------|--|---------------------------|------------|--|---|----------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                 |  | 2022 Equity Plan                              |
|                                 |  | Non-performance Based Stock Options |
|                                 |  | SharesUnderlyingOptions                       |  | WeightedExercisePrice |             | WeightedAverageContractualTerm |  | Aggregate Intrinsic Value |            |  |   |          |  |  |  |  |
| Outstanding at January 1, 2022       |  | 710,043                                  |  |                       | $           | 24.38                     |  |                           |            |  |   |          |  |  |  |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
| Exercised                            |  | (38,128)                                      |  |                       | 23.34  |                                |  |                           |            |  |   |          |  |  |  |  |  |  |
| Outstanding at June 30, 2022         |  | 672,415                                  |  |                       | $           | 24.44                     |  |                           | 6.40       |  |   |          |  |  |  |  |  |  |  |
| Options exercisable at June 30, 2022 |  | 541,737                                  |  |                       | $           | 24.53                     |  |                           | 6.14       |  |   |          |  |  |  |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
| Outstanding at January 1, 2023       |  | 657,494                                  |  |                       | $           | 24.47                     |  |                           |            |  |   |          |  |  |  |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |
| Forfeited                            |  | (1,666)                                       |  |                       | 17.38  |                                |  |                           |            |  |   |          |  |  |  |  |  |  |
| Cancelled                            |  | (3,804)                                       |  |                       | 29.13  |                                |  |                           |            |  |   |          |  |  |  |  |  |  |
| Exercised                            |  | (17,285)                                      |  |                       | 18.29  |                                |  |                           |            |  |   |          |  |  |  |  |  |  |
| Outstanding at June 30, 2023         |  | 634,739                                  |  |                       | $           | 24.63                     |  |                           | 5.09 years |  | $ | 96  |  |  |  |  |  |  |  |  |  |
| Options exercisable at June 30, 2023 |  | 608,739                                  |  |                       | $           | 24.79                     |  |                           | 5.03 years |  | $ | 93  |  |  |  |  |  |  |  |  |  |
|                                      |  |                                               |  |                       |             |                                |  |                           |            |  |   |          |  |  |  |  |

----

|                                |  |                       |  |                                               |             |             |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------|--|-----------------------|--|-----------------------------------------------|-------------|-------------|--|--|--|--|--|--|--|--|--|--|--|--|
|                           |  | 2022 Equity Plan      |
|                                |  | Non-performance-Based |
|                           |  | RSUs                  |
|                           |  | Units                 |  | WeightedAverageGrant DateFair Value |             |             |  |  |
| Outstanding at January 1, 2022 |  | 598,051          |  |                                               | $           | 23.39  |  |  |  |  |  |
| Granted                        |  | 238,455          |  |                                               | 38.91  |             |  |  |  |  |
|                                |  |                       |  |                                               |             |             |  |  |
| Vested into shares             |  | (112,695)             |  |                                               | 25.76  |             |  |  |  |  |
| Forfeited                      |  | (6,142)               |  |                                               | 31.22  |             |  |  |  |  |
| Outstanding at June 30, 2022   |  | 717,669          |  |                                               | $           | 28.14  |  |  |  |  |  |
|                                |  |                       |  |                                               |             |             |  |  |
| Outstanding at January 1, 2023 |  | 955,104          |  |                                               | $           | 28.38  |  |  |  |  |  |
| Granted                        |  | 273,086          |  |                                               | 27.84  |             |  |  |  |  |
|                                |  |                       |  |                                               |             |             |  |  |
| Vested into shares             |  | (184,337)             |  |                                               | 29.87  |             |  |  |  |  |
| Forfeited                      |  | (22,887)              |  |                                               | 32.30  |             |  |  |  |  |
| Outstanding at June 30, 2023   |  | 1,020,966        |  |                                               | $           | 27.88  |  |  |  |  |  |

|                                                          |  |                   |  |                                               |               |             |  |  |  |  |  |  |  |  |  |  |  |  |
|----------------------------------------------------------|--|-------------------|--|-----------------------------------------------|---------------|-------------|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                     |  | 2022 Equity Plan  |
|                                                          |  | Performance-Based |
|                                                     |  | PSUs              |
|                                                     |  | Units             |  | WeightedAverageGrant DateFair Value |               |             |  |  |
| Outstanding at January 1, 2022                           |  | 156,471      |  |                                               | $             | 24.17  |  |  |  |  |  |
| Granted                                                  |  | 39,429       |  |                                               | 40.38    |             |  |  |  |  |
| Incremental PSUs granted upon performance conditions met |  | 31,655       |  |                                               | —  |             |  |  |  |  |
| Vested into shares                                       |  | (94,991)          |  |                                               | 21.49    |             |  |  |  |  |
| Forfeited                                                |  | —      |  |                                               | —  |             |  |  |  |  |
| Outstanding at June 30, 2022                             |  | 132,564      |  |                                               | $             | 30.15  |  |  |  |  |  |
|                                                          |  |                   |  |                                               |               |             |  |  |
| Outstanding at January 1, 2023                           |  | 126,707      |  |                                               | $             | 31.19  |  |  |  |  |  |
| Granted                                                  |  | 53,310       |  |                                               | 27.55    |             |  |  |  |  |
|                                                          |  |                   |  |                                               |               |             |  |  |
| Vested into shares                                       |  | (41,781)          |  |                                               | 26.42    |             |  |  |  |  |
| Forfeited                                                |  | (8,468)           |  |                                               | 30.90    |             |  |  |  |  |
| Outstanding at June 30, 2023                             |  | 129,768      |  |                                               | $             | 30.28  |  |  |  |  |  |

----

|                                               |  |                                                                                 |  |      |             |  |  |  |  |  |  |  |  |  |
|-----------------------------------------------|--|---------------------------------------------------------------------------------|--|------|-------------|--|--|--|--|--|--|--|--|--|
|                                               |  | Fair Value of Options Exercised or RSUs Vested in the Six Months Ended June 30, |
|                                          |  | 2023                                                                            |  | 2022 |
| Non-performance-based stock options exercised |  | 66                                                                         |  |      | 1,562  |  |
| RSUs vested                                   |  | 3,125                                                                      |  |      | 3,325  |  |
| PSUs vested                                   |  | 1,070                                                                      |  |      | 2,270  |  |

|                                                                  |  |                                               |  |                       |               |                                |  |                           |            |  |   |           |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------------------------------------|--|-----------------------------------------------|--|-----------------------|---------------|--------------------------------|--|---------------------------|------------|--|---|-----------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                             |  | Veritex (Green) 2014 Plan                     |
|                                                             |  | Non-performance Based Stock Options |
|                                                             |  | SharesUnderlyingOptions                       |  | WeightedExercisePrice |               | WeightedAverageContractualTerm |  | Aggregate Intrinsic Value |
| Outstanding at January 1, 2022                                   |  | 217,804                                  |  |                       | $             | 19.62                     |  |                           |            |  |   |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
| Exercised                                                        |  | (58,642)                                      |  |                       | 19.21    |                                |  |                           |            |  |
| Outstanding at June 30, 2022                                     |  | 158,372                                  |  |                       | $             | 19.76                     |  |                           | 5.65       |  |   |
| Options exercisable at June 30, 2022                             |  | 149,646                                  |  |                       | $             | 19.11                     |  |                           | 5.52       |  |   |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
| Outstanding at January 1, 2023                                   |  | 155,212                                  |  |                       | $             | 19.83                     |  |                           |            |  |   |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
|                                                                  |  |                                               |  |                       |               |                                |  |                           |
| Cancelled                                                        |  | (505)                                         |  |                       | 21.38    |                                |  |                           |            |  |
| Exercised                                                        |  | (13,266)                                      |  |                       | 22.74    |                                |  |                           |            |  |
| Outstanding at June 30, 2023                                     |  | 141,441                                  |  |                       | $             | 21.86                     |  |                           | 4.28 years |  | $ | 266  |  |
| Options exercisable at June 30, 2023                             |  | 141,441                                  |  |                       | $             | 21.86                     |  |                           | 4.28 years |  | $ | 266  |  |
| Weighted average fair value of options granted during the period |  |                                               |  | $                     | —  |                                |  |                           |            |  |

----

|                                |  |                           |  |                                               |             |             |  |  |  |  |  |  |  |  |
|--------------------------------|--|---------------------------|--|-----------------------------------------------|-------------|-------------|--|--|--|--|--|--|--|--|
|                                |  | Veritex (Green) 2014 Plan |
|                                |  | Non-performance-Based     |
|                                |  | RSUs                      |
|                                |  | Units                     |  | WeightedAverageGrant DateFair Value |
| Outstanding at January 1, 2022 |  | 122,784              |  |                                               | $           | 21.13  |  |
| Granted                        |  | 4,231                |  |                                               | 40.38  |             |
| Vested into shares             |  | (32,931)                  |  |                                               | 21.80  |             |
| Forfeited                      |  | (4,922)                   |  |                                               | 29.13  |             |
| Outstanding at June 30, 2022   |  | 89,162               |  |                                               | $           | 21.55  |  |
|                                |  |                           |  |                                               |
| Outstanding at January 1, 2023 |  | 86,233               |  |                                               | $           | 21.09  |  |
|                                |  |                           |  |                                               |
| Vested into shares             |  | (19,282)                  |  |                                               | 29.66  |             |
| Forfeited                      |  | (2,232)                   |  |                                               | 29.13  |             |
| Outstanding at June 30, 2023   |  | 64,719               |  |                                               | $           | 18.26  |  |
|                                |  |                           |  |                                               |

|                                                         |  |                           |  |                                               |               |             |  |  |  |  |  |  |  |  |
|---------------------------------------------------------|--|---------------------------|--|-----------------------------------------------|---------------|-------------|--|--|--|--|--|--|--|--|
|                                                    |  | Veritex (Green) 2014 Plan |
|                                                         |  | Performance-Based         |
|                                                    |  | PSUs                      |
|                                                    |  | Units                     |  | WeightedAverageGrant DateFair Value |
| Outstanding at January 1, 2022                          |  | 35,899               |  |                                               | $             | 22.26  |  |
| Granted                                                 |  | 4,411                |  |                                               | 40.38    |             |
| Incremental PSUs granted upon performance condition met |  | 10,566               |  |                                               | —  |             |
| Vested into shares                                      |  | (31,703)                  |  |                                               | 19.69    |             |
|                                                         |  |                           |  |                                               |
| Outstanding at June 30, 2022                            |  | 19,173               |  |                                               | $             | 29.26  |  |
|                                                         |  |                           |  |                                               |
| Outstanding at January 1, 2023                          |  | 19,173               |  |                                               | $             | 30.74  |  |
|                                                         |  |                           |  |                                               |
|                                                         |  |                           |  |                                               |
| Vested into shares                                      |  | (8,531)                   |  |                                               | 25.94    |             |
|                                                         |  |                           |  |                                               |
| Outstanding at June 30, 2023                            |  | 10,642               |  |                                               | $             | 31.93  |  |

----

|                                               |  |                                                                                 |          |      |           |   |             |  |  |  |  |  |  |  |  |
|-----------------------------------------------|--|---------------------------------------------------------------------------------|----------|------|-----------|---|-------------|--|--|--|--|--|--|--|--|
|                                               |  | Fair Value of Options Exercised or RSUs Vested in the Six Months Ended June 30, |          |
|                                          |  | 2023                                                                            |          | 2022 |           |
| Non-performance-based stock options exercised |  | $                                                                               | 18  |      |           | $ | 2,229  |  |  |
| RSUs vested                                   |  | 2,091                                                                      |          |      | 718  |   |             |
| PSU vested                                    |  | 227                                                                        |          |      | 624  |   |             |

|                                |  |                                               |  |                       |             |                                |  |                           |            |  |   |               |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------|--|-----------------------------------------------|--|-----------------------|-------------|--------------------------------|--|---------------------------|------------|--|---|---------------|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                           |  | Green 2010 Plan                               |
|                           |  | Non-performance Based Stock Options |
|                           |  | SharesUnderlyingOptions                       |  | WeightedExercisePrice |             | WeightedAverageContractualTerm |  | Aggregate Intrinsic Value |
| Outstanding at January 1, 2022 |  | 66,143                                   |  |                       | $           | 12.56                     |  |                           |            |  |   |
|                                |  |                                               |  |                       |             |                                |  |                           |
|                                |  |                                               |  |                       |             |                                |  |                           |
|                                |  |                                               |  |                       |             |                                |  |                           |
|                                |  |                                               |  |                       |             |                                |  |                           |
| Exercised                      |  | (1,746)                                       |  |                       | 13.20  |                                |  |                           |            |  |
| Outstanding at June 30, 2022   |  | 64,397                                   |  |                       | $           | 12.55                     |  |                           | 1.70 years |  |   |
|                                |  |                                               |  |                       |             |                                |  |                           |
| Outstanding at January 1, 2023 |  | 43,162                                   |  |                       | $           | 13.11                     |  |                           |            |  |   |
|                                |  |                                               |  |                       |             |                                |  |                           |
|                                |  |                                               |  |                       |             |                                |  |                           |
|                                |  |                                               |  |                       |             |                                |  |                           |
|                                |  |                                               |  |                       |             |                                |  |                           |
| Exercised                      |  | (29,630)                                      |  |                       | 13.22  |                                |  |                           |            |  |
| Outstanding at June 30, 2023   |  | 13,532                                   |  |                       | $           | 12.86                     |  |                           | 3.69 years |  | $ | 678,601  |  |

|                                              |  |                                                |  |      |               |  |  |  |  |  |  |  |  |  |
|----------------------------------------------|--|------------------------------------------------|--|------|---------------|--|--|--|--|--|--|--|--|--|
|                                              |  | Fair Value of Options Exercised as of June 30, |
|                                         |  | 2023                                           |  | 2022 |
| Nonperformance-based stock options exercised |  | 365                                       |  |      | —  |  |
|                                              |  |                                                |  |      |

|                                   |                             |             |                           |            |      |             |            |   |   |              |   |  |   |              |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------|-----------------------------|-------------|---------------------------|------------|------|-------------|------------|---|---|--------------|---|--|---|--------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                   | Three Months Ended June 30, |             | Six Months Ended June 30, |            |      |
|                              | 2023                        |             | 2022                      |            | 2023 |             | 2022       |   |   |              |   |
| Income tax expense for the period | $                           | 9,725  |                           |            | $    | 8,079  |            |   | $ | 20,737  |   |  | $ | 16,181  |  |  |  |  |  |
| Effective tax rate                | 22.4                   | %           |                           | 21.4  | %    |             | 22.3  | % |   | 20.4    | % |  |   |              |  |

----

----

|                                         |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |                 |         |                 |         |            |            |   |            |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------------|--|-----------------|-----------------|--------|-------------|-----------------------------------------|---|--------|--|-----------------------------------------------------|---|---------------|--|--------|-----------|--------|-----------|--------|--|-----------------|-----------------|---------|-----------------|---------|------------|------------|---|------------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                    |  | Actual          |                 |   |             | For Capital Adequacy Purposes |   |   |  | To Be WellCapitalized UnderPCA Provisions |
|                                    |  | Amount          |                 | Ratio  |             |                                    |   | Amount |  |                                                |   | Ratio         |  |   |           | Amount |           |   |  | Ratio           |
| As of June 30, 2023                     |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Total capital (to RWA)                  |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | $               | 1,468,808  |        |             | 12.51                              | % |        |  |                                                     | $ | 939,286  |  |        |           |        | 8.0  | %      |  |                 |                 | $       | 1,174,107  |         |            |            |   | 10.0  | % |
| Bank                                    |  | 1,448,929  |                 |        | 12.35  |                                         |   |        |  | 938,577                                        |   |               |  |        | 8.0  |        |           |        |  | 1,173,222  |                 |         |                 |         | 10.0  |            |
| Tier 1 capital (to RWA)            |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | 1,175,474  |                 |        | 10.01  |                                         |   |        |  | 704,580                                        |   |               |  |        | 6.0  |        |           |        |  | 704,580    |                 |         |                 |         | 6.0   |            |
| Bank                                    |  | 1,354,077  |                 |        | 11.54  |                                         |   |        |  | 704,026                                        |   |               |  |        | 6.0  |        |           |        |  | 938,702    |                 |         |                 |         | 8.0   |            |
| Common equity tier 1 (to RWA)           |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | 1,145,695  |                 |        | 9.76   |                                         |   |        |  | 528,241                                        |   |               |  |        | 4.5  |        |           |        |  | n/a         |                 |         |                 | n/a |
| Bank                                    |  | 1,354,077  |                 |        | 11.54  |                                         |   |        |  | 528,020                                        |   |               |  |        | 4.5  |        |           |        |  | 762,695    |                 |         |                 |         | 6.5   |            |
| Tier 1 capital (to average assets) |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | 1,175,474  |                 |        | 9.80   |                                         |   |        |  | 479,785                                        |   |               |  |        | 4.0  |        |           |        |  | n/a         |                 |         |                 | n/a |
| Bank                                    |  | 1,354,077  |                 |        | 11.30  |                                         |   |        |  | 479,319                                        |   |               |  |        | 4.0  |        |           |        |  | 599,149    |                 |         |                 |         | 5.0   |            |
| As of December 31, 2022                 |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Total capital (to RWA)                  |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | $               | 1,395,904  |        |             | 11.63                              | % |        |  |                                                     | $ | 960,209  |  |        |           |        | 8.0  | %      |  |                 |                 | n/a |                 |         |            | n/a    |
| Bank                                    |  | 1,368,082  |                 |        | 11.41  |                                         |   |        |  | 959,216                                        |   |               |  |        | 8.0  |        |           |        |  | $               | 1,199,020  |         |                 |         |            | 10.0  | % |
| Tier 1 capital (to RWA)            |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | 1,121,021  |                 |        | 9.34   |                                         |   |        |  | 720,142                                        |   |               |  |        | 6.0  |        |           |        |  | n/a         |                 |         |                 | n/a |
| Bank                                    |  | 1,291,288  |                 |        | 10.77  |                                         |   |        |  | 719,381                                        |   |               |  |        | 6.0  |        |           |        |  | 959,174    |                 |         |                 |         | 8.0   |            |
| Common equity tier 1 (to RWA)           |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | 1,091,353  |                 |        | 9.09   |                                         |   |        |  | 540,274                                        |   |               |  |        | 4.5  |        |           |        |  | n/a         |                 |         |                 | n/a |
| Bank                                    |  | 1,291,288  |                 |        | 10.77  |                                         |   |        |  | 539,535                                        |   |               |  |        | 4.5  |        |           |        |  | 779,329    |                 |         |                 |         | 6.5   |            |
| Tier 1 capital (to average assets) |  |                 |                 |        |             |                                         |   |        |  |                                                     |   |               |  |        |           |        |           |        |  |                 |
| Company                                 |  | 1,121,021  |                 |        | 9.82   |                                         |   |        |  | 456,628                                        |   |               |  |        | 4.0  |        |           |        |  | n/a         |                 |         |                 | n/a |
| Bank                                    |  | 1,291,288  |                 |        | 11.32  |                                         |   |        |  | 456,286                                        |   |               |  |        | 4.0  |        |           |        |  | 570,357    |                 |         |                 |         | 5.0   |            |

----

----

----

----

|                                                  |                                |                                     |                                |                                      |                                |                                |               |                                |                                |                                |                                |                                |               |                 |  |  |            |               |  |  |            |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------------|--------------------------------|-------------------------------------|--------------------------------|--------------------------------------|--------------------------------|--------------------------------|---------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|---------------|-----------------|--|--|------------|---------------|--|--|------------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                  |                                | For the Three Months Ended June 30, |                                | For the Three Months Ended March 31, |
|                                                  |                                | 2023                                |                                | 2023                                 |
|                                                  |                                |                                     |                                | Interest                             |                                |                                |               |                                |                                | Interest                       |                                |                                |
|                                                  |                                | Average                             |                                | Earned/                          |                                | Average                        |               | Average                        |                                | Earned/                    |                                | Average                        |
|                                                  |                                | Outstanding                         |                                | Interest                             |                                | Yield/                     |               | Outstanding                    |                                | Interest                       |                                | Yield/                     |
|                                                  |                                | Balance                             |                                | Paid                                 |                                | Rate                           |               | Balance                        |                                | Paid                           |                                | Rate                           |
|                                                  |                                | (Dollars in thousands)              |
| Assets                                           |       |            |       |             |       |       |               |       |       |       |       |       |
| Interest-earning assets:                     |                                |                                     |                                |                                      |                                |                                |               |                                |                                |                                |                                |                                |
| Loans(1)                                         |                                | $                                   | 9,285,550                 |                                      |                                | $                              | 158,685  |                                |                                | 6.85                      | %                              |                                | $             | 9,141,137  |  |  | $          | 146,801  |  |  | 6.51  | % |
| LHI, MW                                          |                                | 371,763                        |                                |                                      | 5,042                     |                                |               | 5.44                      |                                |                                | 360,172                   |                                |               | 4,906      |  |  | 5.52  |               |
|                                                  |                                |                                     |                                |                                      |                                |                                |               |                                |                                |                                |                                |                                |
| Debt Securities                                  |                                | 1,133,845                      |                                |                                      | 10,166                    |                                |               | 3.60                      |                                |                           | 1,252,457                 |                                |               | 10,988     |  |  | 3.56  |               |
| Interest-earning deposits in other banks         |                                | 583,818                        |                                |                                      | 7,507                     |                                |               | 5.16                      |                                |                           | 478,345                   |                                |               | 5,534      |  |  | 4.69  |               |
| Equity securities and other investments          |                                | 137,868                        |                                |                                      | 1,118                     |                                |               | 3.25                      |                                |                           | 124,985                   |                                |               | 1,408      |  |  | 4.57  |               |
| Total interest-earning assets                    |                                | 11,512,844                     |                                |                                      | 182,518                   |                                |               | 6.36                      |                                |                           | 11,357,096                |                                |               | 169,637    |  |  | 6.06  |               |
| ACL                                              |                                | (102,559)                           |                                |                                      |                           |                                |          |                           | (92,664)                       |                                |                                |                                |               |                 |
| Noninterest-earning assets                       |                                | 939,938                             |                                |                                 |                                |                           |          | 949,881                        |                                |                                |                                |                                |
| Total assets                                     |                                | $                                   | 12,350,223                |                                      |                                |                           |               |                           |                                | $                              | 12,214,313                |                                |               |                 |  |  |
|                                                  |                                |                                     |                                |                                      |                                |                                |               |                                |                                |                                |                                |                                |
| Liabilities and Stockholders’ Equity       |                                |                                |                                |                                 |                                |                           |               |                           |                                |                           |                                |                           |
| Interest-bearing liabilities:                |                                |                                |                                |                                 |                                |                           |               |                           |                                |                           |                                |                           |
| Interest-bearing demand and savings deposits     |                                | $                                   | 3,919,745                 |                                      |                                | $                              | 32,957   |                                |                                | 3.37                      | %                              |                                | $             | 4,150,995  |  |  | $          | 29,857   |  |  | 2.92  | % |
| Certificates and other time deposits             |                                | 2,873,548                      |                                |                                      | 28,100                    |                                |               | 3.92                      |                                |                                | 2,588,728                 |                                |               | 20,967     |  |  | 3.28  |               |
| Advances from FHLB                               |                                | 1,472,912                      |                                |                                      | 17,562                    |                                |               | 4.78                      |                                |                                | 1,122,683                 |                                |               | 12,358     |  |  | 4.46  |               |
| Subordinated debentures and subordinated debt    |                                | 229,151                        |                                |                                      | 3,068                     |                                |               | 5.37                      |                                |                                | 231,251                   |                                |               | 3,066      |  |  | 5.38  |               |
| Total interest-bearing liabilities               |                                | 8,495,356                      |                                |                                      | 81,687                    |                                |               | 3.86                      |                                |                                | 8,093,657                 |                                |               | 66,248     |  |  | 3.32  |               |
|                                                  |                                |                                     |                                |                                      |                                |                                |               |                                |                                |                                |                                |                                |
| Noninterest-bearing liabilities:             |                                |                                |                                |                                 |                                |                           |               |                           |                                |                           |                                |                           |
| Noninterest-bearing deposits                     |                                | 2,175,002                      |                                |                                      |                                |                                |               |                                | 2,470,700                 |                                |                                |                                |               |                 |
| Other liabilities                                |                                | 169,240                        |                                |                                      |                                |                                |               |                                | 173,380                   |                                |                                |                                |               |                 |
| Total liabilities                                |                                | 10,839,598                     |                                |                                      |                                |                                |               |                                | 10,737,737                |                                |                                |                                |               |                 |
| Stockholders’ equity                       |                                | 1,510,625                      |                                |                                      |                                |                                |               |                                | 1,476,576                 |                                |                                |                                |               |                 |
| Total liabilities and stockholders’ equity |                                | 12,350,223                     |                                |                                      |                                |                                |               |                                | 12,214,313                |                                |                                |                                |               |                 |
| Net interest rate spread(2)                      |                                |                                     |                                |                                      |                                | 2.50                      | %             |                                |                                |                                |                                |                                | 2.74     | %               |
| Net interest income                              |                                |                                     |                                | $                                    | 100,831                   |                                |               |                                |                                |                                |                                | $                              | 103,389  |                 |  |  |
| Net interest margin(3)                           |                                |                                     |                                |                                      |                                | 3.51                      | %             |                                |                                |                                |                                |                                | 3.69     | %               |

----

|                                                |  |                                  |             |        |              |       |             |              |  |   |              |  |  |  |  |  |  |  |  |  |
|------------------------------------------------|--|----------------------------------|-------------|--------|--------------|-------|-------------|--------------|--|---|--------------|--|--|--|--|--|--|--|--|--|
|                                           |  | For the Three Months Ended       |
|                                           |  | June 30, 2023 vs. March 31, 2023 |
|                                           |  | Increase (Decrease)              |             |   |
|                                           |  | Due to Change in  |             |   |
|                                           |  | Volume                           |             | Rate   |              | Total |
|                                           |  | (In thousands)              |
| Interest-earning assets:                   |  |                                  |             |        |              |       |
| Loans                                          |  | $                                | 2,319  |        |              | $     | 9,565  |              |  | $ | 11,884  |  |
| LHI, MW                                        |  | 158                         |             |        | (22)         |       |             | 136     |  |
|                                                |  |                                  |             |        |              |       |
| Debt Securities                                |  | (1,041)                          |             |        | 219     |       |             | (822)        |  |
| Equity securities and other investments        |  | 1,220                       |             |        | 753     |       |             | 1,973   |  |
| Interest-bearing deposits in other banks       |  | 145                         |             |        | (435)        |       |             | (290)        |  |
| Total increase in interest income              |  | 2,801                       |             |        | 10,080  |       |             | 12,881  |  |
| Interest-bearing liabilities:              |  |                                  |             |        |              |       |
| Interest-bearing demand and savings deposits   |  | (1,663)                          |             |        | 4,763   |       |             | 3,100   |  |
| Certificates and other time deposits           |  | 2,307                       |             |        | 4,826   |       |             | 7,133   |  |
| Advances from FHLB                             |  | 3,855                       |             |        | 1,349   |       |             | 5,204   |  |
| Subordinated debentures and subordinated notes |  | (28)                             |             |        | 30      |       |             | 2       |  |
| Total increase in interest expense             |  | 4,471                       |             |        | 10,968  |       |             | 15,439  |  |
| Increase in net interest income                |  | $                                | (1,670)     |        |              | $     | (888)       |              |  | $ | (2,558)      |  |

----

|                                              |  |                     |              |           |             |   |              |  |            |  |             |  |   |           |  |  |  |  |  |  |  |  |  |
|----------------------------------------------|--|---------------------|--------------|-----------|-------------|---|--------------|--|------------|--|-------------|--|---|-----------|--|--|--|--|--|--|--|--|--|
|                                         |  | For the             |              |           |             |   |              |
|                                              |  | Three Months Ended  |              |           |             |   |              |
|                                              |  | June 30,            |              | March 31, |             |   |              |  | Increase   |
|                                         |  | 2023                |              | 2023      |             |   |              |  | (Decrease) |
|                                         |  | (In thousands) |
| Noninterest income:                      |  |                     |              |           |             |   |              |  |            |
| Service charges and fees on deposit accounts |  | $                   | 5,272   |           |             | $ | 5,017   |  |            |  |             |  | $ | 255  |  |
| Loan fees                                    |  | 1,520          |              |           | 2,064  |   |              |  |            |  | (544)       |  |
| Loss on sales of debt securities             |  | —        |              |           | (5,321)     |   |              |  |            |  | 5,321  |  |
| Gain on sales of mortgage LHFS               |  | 40             |              |           | 6      |   |              |  |            |  | 34     |  |
| Government guaranteed loan income, net       |  | 4,144          |              |           | 9,688  |   |              |  |            |  | (5,544)     |  |
| Equity method investment income (loss)       |  | 485            |              |           | (1,521)     |   |              |  |            |  | 2,006  |  |
| Customer swap income                         |  | 961            |              |           | 217    |   |              |  |            |  | 744    |  |
| Other                                        |  | 1,270          |              |           | 3,381  |   |              |  |            |  | (2,111)     |  |
| Total noninterest income                     |  | $                   | 13,692  |           |             | $ | 13,531  |  |            |  |             |  | $ | 161  |  |

----

|                                      |  |                     |              |                     |             |   |              |             |  |   |           |  |  |  |  |  |  |  |  |  |
|--------------------------------------|--|---------------------|--------------|---------------------|-------------|---|--------------|-------------|--|---|-----------|--|--|--|--|--|--|--|--|--|
|                                 |  | For the For the     |              | Increase (Decrease) |
|                                      |  | Three Months Ended  |              |
|                                      |  | June 30,            |              | March 31,           |             |
|                                 |  | 2023                |              | 2023                |             |
|                                 |  | (In thousands) |
| Salaries and employee benefits       |  | $                   | 28,650  |                     |             | $ | 31,865  |             |  | $ | (3,215)   |  |
| Occupancy and equipment              |  | 4,827          |              |                     | 4,973  |   |              | (146)       |  |
| Professional and regulatory fees     |  | 6,868          |              |                     | 4,389  |   |              | 2,479  |  |
| Data processing and software expense |  | 4,709          |              |                     | 4,720  |   |              | (11)        |  |
| Marketing                            |  | 2,627          |              |                     | 1,779  |   |              | 848    |  |
| Amortization of intangibles          |  | 2,468          |              |                     | 2,495  |   |              | (27)        |  |
| Telephone and communications         |  | 355            |              |                     | 478    |   |              | (123)       |  |
|                                      |  |                     |              |                     |             |   |
| Other                                |  | 6,693          |              |                     | 5,916  |   |              | 777    |  |
| Total noninterest expense            |  | $                   | 57,197  |                     |             | $ | 56,615  |             |  | $ | 582  |  |

----

----

----

|                                                  |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |                 |  |        |            |               |  |  |            |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------------|--------------------------------|-----------------------------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|---------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|---------------|-----------------|--|--------|------------|---------------|--|--|------------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                                  |                                | For the Six Months Ended June 30, |                                |
|                                                  |                                | 2023                              |                                | 2022                           |                                |
|                                                  |                                |                                   |                                | Interest                       |                                |                                |               |                                |                                | Interest                       |                                |                                |               |
|                                                  |                                | Average                           |                                | Earned/                    |                                | Average                        |               | Average                        |                                | Earned/                    |                                | Average                        |               |
|                                                  |                                | Outstanding                       |                                | Interest                       |                                | Yield/                     |               | Outstanding                    |                                | Interest                       |                                | Yield/                     |               |
|                                                  |                                | Balance                           |                                | Paid                           |                                | Rate                           |               | Balance                        |                                | Paid                           |                                | Rate                           |               |
|                                                  |                                | (Dollars in thousands)            |                                |
| Assets                                           |       |          |       |       |       |       |               |       |       |       |       |       |               |
| Interest-earning assets:                     |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Loans(1)                                         |                                | $                                 | 9,213,742                 |                                |                                | $                              | 305,486  |                                |                                | 6.69                      | %                              |                                | $             | 7,233,431  |  |        | $          | 146,636  |  |  | 4.09  | % |  |
| LHI, MW                                          |                                | 366,000                      |                                |                                | 9,948                     |                                |               | 5.48                      |                                |                                | 450,592                   |                                |               | 6,998      |  |        | 3.13  |               |  |
|                                                  |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Debt securities                                  |                                | 1,192,823                    |                                |                                | 21,154                    |                                |               | 3.58                      |                                |                                | 1,230,159                 |                                |               | 17,394     |  |        | 2.85  |               |  |
| Interest-bearing deposits in other banks         |                                | 531,373                      |                                |                                | 13,041                    |                                |               | 4.95                      |                                |                                | 461,844                   |                                |               | 976        |  |        | 0.43  |               |  |
| Equity securities and other investments          |                                | 131,462                      |                                |                                | 2,526                     |                                |               | 3.87                      |                                |                                | 178,602                   |                                |               | 1,967      |  |        | 2.22  |               |  |
| Total interest-earning assets                    |                                | 11,435,400                   |                                |                                | 352,155                   |                                |               | 6.21                      |                                |                                | 9,554,628                 |                                |               | 173,971    |  |        | 3.67  |               |  |
| ACL                                              |                                | (97,639)                          |                                |                                |                           |                                |          |                                | (76,046)                       |                                |                                |                           |               |            |  |
| Noninterest-earning assets                       |                                | 944,883                      |                                |                                |                           |                                |          |                                | 878,679                   |                                |                                |                           |               |            |  |
| Total assets                                     |                                | $                                 | 12,282,644                |                                |                                |                           |               |                           |                                | $                              | 10,357,261                |                                |               |            |  |   |            |
|                                                  |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Liabilities and Stockholders’ Equity       |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Interest-bearing liabilities:                |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Interest-bearing demand and savings deposits     |                                | $                                 | 4,046,716                 |                                |                                | $                              | 62,814   |                                |                                | 3.13                      | %                              |                                | $             | 3,621,697  |  |        | $          | 5,845    |  |  | 0.33  | % |  |
| Certificates and other time deposits             |                                | 2,731,925                    |                                |                                | 49,067                    |                                |               | 3.62                      |                                |                                | 1,480,654                 |                                |               | 2,845      |  |        | 0.39  |               |  |
| Advances from FHLB                               |                                | 1,284,953                    |                                |                                | 29,920                    |                                |               | 4.70                      |                                |                                | 803,295                   |                                |               | 2,381      |  |        | 0.60  |               |  |
| Subordinated debentures and subordinated notes   |                                | 230,195                      |                                |                                | 6,134                     |                                |               | 5.37                      |                                |                                | 231,959                   |                                |               | 5,380      |  |        | 4.68  |               |  |
| Total interest-bearing liabilities               |                                | 8,293,789                    |                                |                                | 147,935                   |                                |               | 3.60                      |                                |                                | 6,137,605                 |                                |               | 16,451     |  |        | 0.54  |               |  |
|                                                  |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Noninterest-bearing liabilities:             |                                |                              |                                |                           |                                |                           |               |                           |                                |                           |                                |                           |               |
| Noninterest-bearing deposits                     |                                | 2,310,049                    |                                |                                |                           |                                |          |                                | 2,731,869                 |                                |                                |                           |               |            |  |
| Other liabilities                                |                                | 185,111                      |                                |                                |                           |                                |          |                                | 85,126                    |                                |                                |                           |               |            |  |
| Total liabilities                                |                                | 10,788,949                   |                                |                                |                           |                                |          |                                | 8,954,600                 |                                |                                |                           |               |            |  |
| Stockholders’ equity                       |                                | 1,493,695                    |                                |                                |                           |                                |          |                                | 1,402,661                 |                                |                                |                           |               |            |  |
| Total liabilities and stockholders’ equity |                                | $                                 | 12,282,644                |                                |                                |                           |               |                           |                                | $                              | 10,357,261                |                                |               |            |  |   |            |
|                                                  |                                |                                   |                                |                                |                                |                                |               |                                |                                |                                |                                |                                |               |
| Net interest rate spread(2)                      |                                |                              |                                |                                |                                | 2.61                      | %             |                                |                           |                                |                                |                                | 3.13     | %               |  |
| Net interest income                              |                                |                              |                                | $                              | 204,220                   |                                |               |                                |                                |                           |                                | $                              | 157,520  |                 |  |        |            |
| Net interest margin(3)                           |                                |                              |                                |                                |                                | 3.60                      | %             |                                |                           |                                |                                |                                | 3.32     | %               |  |

----

|                                                |  |                                 |              |        |               |       |               |               |  |   |               |  |  |  |  |  |  |  |  |  |
|------------------------------------------------|--|---------------------------------|--------------|--------|---------------|-------|---------------|---------------|--|---|---------------|--|--|--|--|--|--|--|--|--|
|                                           |  | For the Six Months Ended        |
|                                                |  | June 30, 2023 vs June 30, 2022  |
|                                           |  | Increase (Decrease)             |              |   |
|                                                |  |                                 |              |        |
|                                           |  | Due to Change in |              |   |
|                                           |  | Volume                          |              | Rate   |               | Total |
|                                           |  | (In thousands)             |
| Interest-earning assets:                   |  |                                 |              |        |               |       |
| Loans                                          |  | $                               | 40,145  |        |               | $     | 118,705  |               |  | $ | 158,850  |  |
| LHI, MW                                        |  | (1,313)                         |              |        | 4,263    |       |               | 2,950    |  |
|                                                |  |                                 |              |        |               |       |
| Debt securities                                |  | (528)                           |              |        | 4,288    |       |               | 3,760    |  |
| Interest-bearing deposits in other banks       |  | 148                        |              |        | 11,917   |       |               | 12,065   |  |
| Equity securities and other investments        |  | (519)                           |              |        | 1,078    |       |               | 559      |  |
| Total increase in interest income              |  | 37,933                     |              |        | 140,251  |       |               | 178,184  |  |
| Interest-bearing liabilities:              |  |                                 |              |        |               |       |
| Interest-bearing demand and savings deposits   |  | 686                        |              |        | 56,283   |       |               | 56,969   |  |
| Certificates and other time deposits           |  | 2,404                      |              |        | 43,818   |       |               | 46,222   |  |
| Advances from FHLB                             |  | 1,428                      |              |        | 26,111   |       |               | 27,539   |  |
| Subordinated debentures and subordinated notes |  | (41)                            |              |        | 795      |       |               | 754      |  |
| Total increase in interest expense             |  | 4,477                      |              |        | 127,007  |       |               | 131,484  |  |
| Increase in net interest income                |  | $                               | 33,456  |        |               | $     | 13,244   |               |  | $ | 46,700   |  |

----

|                                              |  |                     |              |          |               |   |              |  |            |  |             |  |   |             |  |  |  |  |  |  |  |  |  |
|----------------------------------------------|--|---------------------|--------------|----------|---------------|---|--------------|--|------------|--|-------------|--|---|-------------|--|--|--|--|--|--|--|--|--|
|                                         |  | For the   |              |          |               |   |         |
|                                         |  | Six Months Ended    |              |          |               |   |         |
|                                         |  | June 30,            |              | June 30, |               |   |              |  | Increase   |
|                                         |  | 2023                |              | 2022     |               |   |              |  | (Decrease) |
|                                         |  | (In thousands) |
| Noninterest income:                      |  |                     |              |          |               |   |              |  |            |
| Service charges and fees on deposit accounts |  | $                   | 10,289  |          |               | $ | 9,749   |  |            |  |             |  | $ | 540    |  |
| Loan fees                                    |  | 3,584          |              |          | 5,179    |   |              |  |            |  | (1,595)     |  |
| Loss on sales of debt securities             |  | (5,321)             |              |          | —  |   |              |  |            |  | (5,321)     |  |
| Gain on sales of mortgage loans              |  | 46             |              |          | 530      |   |              |  |            |  | (484)       |  |
| Government guaranteed loan income, net       |  | 13,832         |              |          | 5,680    |   |              |  |            |  | 8,152  |  |
| Equity method investment (loss) income       |  | (1,036)             |              |          | 1,333    |   |              |  |            |  | (2,369)     |  |
| Customer swap income                         |  | 1,178          |              |          | 2,267    |   |              |  |            |  | (1,089)     |  |
| Other                                        |  | 4,651          |              |          | 737      |   |              |  |            |  | 3,914  |  |
| Total noninterest income                     |  | $                   | 27,223  |          |               | $ | 25,475  |  |            |  |             |  | $ | 1,748  |  |

----

|                                      |  |                     |               |          |             |            |              |             |  |   |              |  |  |  |  |  |  |  |  |  |
|--------------------------------------|--|---------------------|---------------|----------|-------------|------------|--------------|-------------|--|---|--------------|--|--|--|--|--|--|--|--|--|
|                                      |  | For the        |               |          |
|                                 |  | Six Months Ended    |               |          |
|                                 |  | June 30,            |               | June 30, |             | Increase   |
|                                 |  | 2023                |               | 2022     |             | (Decrease) |
|                                 |  | (In thousands) |
| Noninterest expense                  |  |                     |               |          |             |            |
| Salaries and employee benefits       |  | $                   | 60,515   |          |             | $          | 54,437  |             |  | $ | 6,078   |  |
| Occupancy and equipment              |  | 9,800          |               |          | 9,013  |            |              | 787    |  |
| Professional and regulatory fees     |  | 11,257         |               |          | 6,023  |            |              | 5,234  |  |
| Data processing and software expense |  | 9,429          |               |          | 6,307  |            |              | 3,122  |  |
| Marketing                            |  | 4,406          |               |          | 3,493  |            |              | 913    |  |
| Amortization of intangibles          |  | 4,963          |               |          | 4,990  |            |              | (27)        |  |
| Telephone and communications         |  | 833            |               |          | 737    |            |              | 96     |  |
| M&A expense                      |  | —        |               |          | 995    |            |              | (995)       |  |
| Other                                |  | 12,609         |               |          | 8,730  |            |              | 3,879  |  |
| Total noninterest expense            |  | $                   | 113,812  |          |             | $          | 94,725  |             |  | $ | 19,087  |  |

----

----

|                                               |  |                        |                 |                    |            |                     |   |                 |              |                 |            |                               |             |               |  |   |               |   |  |           |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------------------|--|------------------------|-----------------|--------------------|------------|---------------------|---|-----------------|--------------|-----------------|------------|-------------------------------|-------------|---------------|--|---|---------------|---|--|-----------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                                          |  | As of June 30,         |                 | As of December 31, |            |                     |   |                 |
|                                          |  | 2023                   |                 | 2022               |            | Increase (Decrease) |
|                                          |  | Amount                 |                 | % of Total         |            | Amount              |   | % of Total      |              | Amount          |            | % Change Quarter over Quarter |
|                                          |  | (Dollars in thousands) |                 |                    |            |                     |
| Commercial                                    |  | $                      | 2,850,084  |                    |            | 29.4           | % |                 | $            | 2,942,348  |            |                               | 31.0   | %             |  | $ | (92,264)      |   |  | (3.1)     | % |
| MW                                            |  | 436,255           |                 |                    | 4.5   |                     |   | 446,227    |              |                 | 4.7   |                               |             | (9,972)       |  |   | (2.2)         | % |
| Real estate:                              |  |                        |                 |               |            |                     |   |            |              |                 |            |                               |
| Owner Occupied CRE (“OOCRE”)      |  | 671,602           |                 |                    | 6.9   |                     |   | 715,829    |              |                 | 7.5   |                               |             | (44,227)      |  |   | (6.2)         | % |
| Non-owner Occupied CRE (“NOOCRE”) |  | 2,509,731         |                 |                    | 25.9  |                     |   | 2,341,379  |              |                 | 24.6  |                               |             | 168,352  |  |   | 7.2      | % |
| Construction and land                         |  | 1,659,700         |                 |                    | 17.1  |                     |   | 1,787,400  |              |                 | 18.8  |                               |             | (127,700)     |  |   | (7.1)         | % |
| Farmland                                      |  | 51,663            |                 |                    | 0.5   |                     |   | 43,500     |              |                 | 0.5   |                               |             | 8,163    |  |   | 18.8     | % |
| 1-4 family residential                        |  | 923,442           |                 |                    | 9.5   |                     |   | 894,456    |              |                 | 9.4   |                               |             | 28,986   |  |   | 3.2      | % |
| Multifamily                                   |  | 592,473           |                 |                    | 6.1   |                     |   | 322,679    |              |                 | 3.4   |                               |             | 269,794  |  |   | 83.6     | % |
| Consumer                                      |  | 11,189            |                 |                    | 0.1   |                     |   | 7,806      |              |                 | 0.1   |                               |             | 3,383    |  |   | 43.3     | % |
| Total LHI, carried at amortized cost(1)       |  | $                      | 9,706,139  |                    |            | 100.0          | % |                 | $            | 9,501,624  |            |                               | 100.0  | %             |  | $ | 204,515  |   |  | 2.2  | % |
|                                               |  |                        |                 |                    |            |                     |   |                 |              |                 |            |                               |
| Total LHFS                                    |  | $                      | 29,876     |                    |            |                     |   | $               | 20,641  |                 |            |                               |             |               |  |   |

----

|                                                                                  |  |                        |              |                    |               |   |              |  |  |  |  |  |  |  |
|----------------------------------------------------------------------------------|--|------------------------|--------------|--------------------|---------------|---|--------------|--|--|--|--|--|--|--|
|                                                                             |  | As of June 30,         |              | As of December 31, |
|                                                                             |  | 2023                   |              | 2022               |
|                                                                                  |  | (Dollars in thousands) |
| Nonperforming loans(1)                                                           |  |                        |              |                    |
|     1-4 family residential                                   |  | $                      | 1,231   |                    |               | $ | 862     |  |
|     Mortgage warehouse                                       |  | 208               |              |                    | —  |   |
| OOCRE                                                                            |  | 10,287            |              |                    | 9,737    |   |
| NOOCRE                                                                           |  | 32,981            |              |                    | 21,377   |   |
|                                                                                  |  |                        |              |                    |
|                                                                                  |  |                        |              |                    |
|     Commercial                                               |  | 23,007            |              |                    | 11,397   |   |
|                                                                                  |  |                        |              |                    |
|     Consumer                                                 |  | 62                |              |                    | 169      |   |
| Accruing loans 90 or more days past due                                          |  | 528               |              |                    | 125      |   |
|         Total nonperforming loans        |  | 68,304            |              |                    | 43,667   |   |
| OREO                                                                             |  | —           |              |                    | —  |   |
|          Total nonperforming assets |  | $                      | 68,304  |                    |               | $ | 43,667  |  |
|                                                                                  |  |                        |              |                    |
| Nonperforming assets to total assets                                             |  | 0.55              | %            |                    | 0.36     | % |
| Nonperforming loans to total loans                                               |  | 0.71              | %            |                    | 0.48     | % |

----

|                          |  |                        |                 |                |               |             |               |               |  |     |               |       |               |  |  |                 |               |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------|--|------------------------|-----------------|----------------|---------------|-------------|---------------|---------------|--|-----|---------------|-------|---------------|--|--|-----------------|---------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                     |  | June 30, 2023          |
|                     |  | Pass                   |                 | SpecialMention |               | Substandard |               |               |  | PCD |               | Total |
|                          |  | (Dollars in thousands) |
| Real estate:         |  |                        |                 |                |               |             |               |               |  |     |               |       |
| Construction and land    |  | $                      | 1,591,366  |                |               | $           | 35,003   |               |  | $   | 33,331   |       |               |  |  | $               | —  |  |  | $ | 1,659,700  |  |
| Farmland                 |  | 51,663            |                 |                | —  |             |               | —  |  |     |               |       | —  |  |  | 51,663     |               |
| 1 - 4 family residential |  | 918,768           |                 |                | 264      |             |               | 3,311    |  |     |               |       | 1,099    |  |  | 923,442    |               |
| Multi-family residential |  | 563,620           |                 |                | 26,916   |             |               | 1,937    |  |     |               |       | —  |  |  | 592,473    |               |
| OOCRE                    |  | 616,747           |                 |                | 15,959   |             |               | 20,346   |  |     |               |       | 18,550   |  |  | 671,602    |               |
| NOOCRE                   |  | 2,231,236         |                 |                | 164,487  |             |               | 99,881   |  |     |               |       | 14,127   |  |  | 2,509,731  |               |
| Commercial               |  | 2,745,838         |                 |                | 43,910   |             |               | 56,909   |  |     |               |       | 3,427    |  |  | 2,850,084  |               |
| MW                       |  | 436,047           |                 |                | 208      |             |               | —  |  |     |               |       | —  |  |  | 436,255    |               |
| Consumer                 |  | 10,978            |                 |                | 53       |             |               | 141      |  |     |               |       | 17       |  |  | 11,189     |               |
| Total                    |  | $                      | 9,166,263  |                |               | $           | 286,800  |               |  | $   | 215,856  |       |               |  |  | $               | 37,220   |  |  | $ | 9,706,139  |  |

|                          |  |                        |                 |                |               |             |               |               |  |     |               |       |               |  |  |                 |              |  |  |   |                 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------|--|------------------------|-----------------|----------------|---------------|-------------|---------------|---------------|--|-----|---------------|-------|---------------|--|--|-----------------|--------------|--|--|---|-----------------|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                     |  | December 31, 2022      |
|                     |  | Pass                   |                 | SpecialMention |               | Substandard |               |               |  | PCD |               | Total |
|                          |  | (Dollars in thousands) |
| Real estate:         |  |                        |                 |                |               |             |               |               |  |     |               |       |
| Construction and land    |  | $                      | 1,764,634  |                |               | $           | 21,222   |               |  | $   | —  |       |               |  |  | $               | 1,544   |  |  | $ | 1,787,400  |  |
| Farmland                 |  | 43,500            |                 |                | —  |             |               | —  |  |     |               |       | —  |  |  | 43,500     |              |
| 1 - 4 family residential |  | 842,149           |                 |                | 26,346   |             |               | 24,781   |  |     |               |       | 1,180    |  |  | 894,456    |              |
| Multi-family residential |  | 306,981           |                 |                | —  |             |               | 15,698   |  |     |               |       | —  |  |  | 322,679    |              |
| OOCRE                    |  | 648,591           |                 |                | 9,186    |             |               | 38,235   |  |     |               |       | 19,817   |  |  | 715,829    |              |
| NOOCRE                   |  | 2,167,498         |                 |                | 105,963  |             |               | 55,170   |  |     |               |       | 12,748   |  |  | 2,341,379  |              |
| Commercial               |  | 2,757,945         |                 |                | 127,311  |             |               | 53,391   |  |     |               |       | 3,701    |  |  | 2,942,348  |              |
| MW                       |  | 444,393           |                 |                | 1,626    |             |               | 208      |  |     |               |       | —  |  |  | 446,227    |              |
| Consumer                 |  | 7,556             |                 |                | 58       |             |               | 169      |  |     |               |       | 23       |  |  | 7,806      |              |
| Total                    |  | $                      | 8,983,247  |                |               | $           | 291,712  |               |  | $   | 187,652  |       |               |  |  | $               | 39,013  |  |  | $ | 9,501,624  |  |

----

|                                    |                     |               |                |  |                   |            |                     |   |              |   |              |  |                     |            |  |            |              |  |   |              |  |            |  |  |            |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------|---------------------|---------------|----------------|--|-------------------|------------|---------------------|---|--------------|---|--------------|--|---------------------|------------|--|------------|--------------|--|---|--------------|--|------------|--|--|------------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                               | June 30, 2023       |               | March 31, 2023 |  | December 31, 2022 |            |                     |   |              |   |              |
|                               | Allocated Allowance |               |                |  | ACL to Loans      |            | Allocated Allowance |   |              |   | ACL to Loans |  | Allocated Allowance |            |  |            | ACL to Loans |  |   |              |  |            |  |
|                               |                     |               |                |  |                   |            |                     |   |              |   |              |  |                     |            |  |            |              |  |   |              |  |            |  |
| Construction and land              | $                   | 18,145   |                |  |                   |            | 1.09           | % |              | $ | 17,314  |  |                     |            |  | 0.95  | %            |  | $ | 13,120  |  |            |  |  | 0.73  | % |  |  |  |  |  |  |
| Farmland                           | 170            |               |                |  |                   | 0.33  |                     |   | 168     |   |              |  |                     | 0.33  |  |            | 127     |  |   |              |  | 0.29  |  |  |            |   |  |  |  |
| 1 - 4 family residential | 9,209          |               |                |  |                   | 1.00  |                     |   | 9,541   |   |              |  |                     | 1.06  |  |            | 9,533   |  |   |              |  | 1.07  |  |  |            |   |  |  |  |
| Multi-family residential           | 4,707          |               |                |  |                   | 0.79  |                     |   | 3,484   |   |              |  |                     | 0.81  |  |            | 2,607   |  |   |              |  | 0.81  |  |  |            |   |  |  |  |
| OOCRE                              | 7,519          |               |                |  |                   | 1.12  |                     |   | 8,813   |   |              |  |                     | 1.40  |  |            | 8,707   |  |   |              |  | 1.22  |  |  |            |   |  |  |  |
| NOOCRE                             | 27,875         |               |                |  |                   | 1.11  |                     |   | 26,238  |   |              |  |                     | 1.05  |  |            | 26,704  |  |   |              |  | 1.14  |  |  |            |   |  |  |  |
| Commercial                         | 34,197         |               |                |  |                   | 1.20  |                     |   | 32,717  |   |              |  |                     | 1.13  |  |            | 30,142  |  |   |              |  | 1.03  |  |  |            |   |  |  |  |
| Consumer                           | 328            |               |                |  |                   | 2.93  |                     |   | 419     |   |              |  |                     | 5.04  |  |            | 112     |  |   |              |  | 1.43  |  |  |            |   |  |  |  |
| Total                              | $                   | 102,150  |                |  |                   |            | 1.05           | % |              | $ | 98,694  |  |                     |            |  | 1.07  | %            |  | $ | 91,052  |  |            |  |  | 1.01  | % |  |  |  |  |  |  |

----

|                                    |                              |               |               |                 |                                                         |                 |               |  |               |   |  |  |  |  |  |  |  |  |  |  |  |  |  |
|------------------------------------|------------------------------|---------------|---------------|-----------------|---------------------------------------------------------|-----------------|---------------|--|---------------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|
| (Dollars in thousands)             | Net (Charge-offs) Recoveries |               | Average Loans |                 | Annualized Net (Charge-off) Recoveries to Average Loans |                 |               |  |               |   |  |
| Six Months Ended June 30, 2023     |                              |               |               |                 |                                                         |                 |               |  |               |   |  |
| Construction and land              | $                            | —  |               |                 | $                                                       | 1,888,850  |               |  | —  | % |  |  |  |  |  |  |
| Farmland                           | —                 |               |               | 49,354     |                                                         |                 | —  |  |               |   |  |  |  |  |
| 1 - 4 family residential | 2                       |               |               | 892,026    |                                                         |                 | —  |  |               |   |  |  |  |  |
| Multi-family residential           | —                 |               |               | 457,113    |                                                         |                 | —  |  |               |   |  |  |  |  |
| OOCRE                              | (116)                        |               |               | 684,394    |                                                         |                 | (0.07)        |  |               |   |  |  |  |  |
| NOOCRE                             | (8,065)                      |               |               | 2,371,929  |                                                         |                 | (1.36)        |  |               |   |  |  |  |  |
| Commercial                         | (4,121)                      |               |               | 2,861,925  |                                                         |                 | (0.58)        |  |               |   |  |  |  |  |
| MW                                 | —                 |               |               | 366,000    |                                                         |                 | —  |  |               |   |  |  |  |  |
| Consumer                           | (102)                        |               |               | 8,151      |                                                         |                 | (5.02)        |  |               |   |  |  |  |  |
| Total                              | $                            | (12,402)      |               |                 | $                                                       | 9,579,742  |               |  | (0.52)        | % |  |  |  |  |  |  |
|                                    |                              |               |               |                 |                                                         |                 |               |  |               |   |  |
| Six Months Ended June 30, 2022     |                              |               |               |                 |                                                         |                 |               |  |               |   |  |
| Construction and land              | $                            | —  |               |                 | $                                                       | 1,297,634  |               |  | —  | % |  |  |  |  |  |  |
| Farmland                           | —                 |               |               | 51,032     |                                                         |                 | —  |  |               |   |  |  |  |  |
| 1 - 4 family residential | 3                       |               |               | 610,223    |                                                         |                 | —  |  |               |   |  |  |  |  |
| Multi-family residential           | —                 |               |               | 276,794    |                                                         |                 | —  |  |               |   |  |  |  |  |
| OOCRE                              | (1,340)                      |               |               | 708,717    |                                                         |                 | (0.76)        |  |               |   |  |  |  |  |
| NOOCRE                             | (60)                         |               |               | 2,104,941  |                                                         |                 | (0.01)        |  |               |   |  |  |  |  |
| Commercial                         | (3,106)                      |               |               | 2,175,058  |                                                         |                 | (0.57)        |  |               |   |  |  |  |  |
| MW                                 | —                 |               |               | 450,592    |                                                         |                 | —  |  |               |   |  |  |  |  |
| Consumer                           | (1,175)                      |               |               | 9,465      |                                                         |                 | (49.79)       |  |               |   |  |  |  |  |
| Total                              | $                            | (5,678)       |               |                 | $                                                       | 7,684,456  |               |  | (0.30)        | % |  |  |  |  |  |  |

----

----

|                                      |                 |                 |            |            |                            |   |                 |   |                 |  |  |  |  |  |  |  |  |
|--------------------------------------|-----------------|-----------------|------------|------------|----------------------------|---|-----------------|---|-----------------|--|--|--|--|--|--|--|--|
|                                      |
|                                      | June 30, 2023   |
|                                      | Ending Balance  |                 | % of Total |            | AverageOutstanding Balance |
| Noninterest-bearing                  | $               | 2,234,109  |            |            | 24.2                  | % |                 | $ | 2,175,002  |  |
| Interest-bearing transaction         | 676,653    |                 |            | 7.3   | %                          |   | 780,712    |   |
| Money market                         | 2,816,769  |                 |            | 30.5  | %                          |   | 2,635,556  |   |
| Savings                              | 96,831     |                 |            | 1.0   | %                          |   | 101,258    |   |
| Certificates and other time deposits | 2,928,949  |                 |            | 31.8  | %                          |   | 2,873,548  |   |
| Correspondent money market accounts  | 480,598    |                 |            | 5.2   | %                          |   | 402,219    |   |
| Total deposits                       | $               | 9,233,909  |            |            | 100                   | % |                 | $ | 8,968,295  |  |

|                                      |                   |                 |            |            |                            |   |                 |   |                 |  |  |  |  |  |  |  |  |
|--------------------------------------|-------------------|-----------------|------------|------------|----------------------------|---|-----------------|---|-----------------|--|--|--|--|--|--|--|--|
|                                      |
|                                      | December 31, 2022 |
|                                      | Ending Balance    |                 | % of Total |            | AverageOutstanding Balance |
| Noninterest-bearing                  | $                 | 2,640,617  |            |            | 28.9                  | % |                 | $ | 2,737,468  |  |
| Interest-bearing transaction         | 622,814      |                 |            | 6.8   | %                          |   | 594,461    |   |
| Money market                         | 2,773,623    |                 |            | 30.4  | %                          |   | 2,715,476  |   |
| Savings                              | 118,293      |                 |            | 1.3   | %                          |   | 126,269    |   |
| Certificates and other time deposits | 2,086,642    |                 |            | 22.9  | %                          |   | 1,785,152  |   |
| Correspondent money market accounts  | 881,245      |                 |            | 9.7   | %                          |   | 885,730    |   |
| Total deposits                       | $                 | 9,123,234  |            |            | 100                   | % |                 | $ | 8,844,556  |  |

----

|                                                  |  |                        |             |      |      |       |  |  |  |  |  |  |  |  |  |  |
|--------------------------------------------------|--|------------------------|-------------|------|------|-------|--|--|--|--|--|--|--|--|--|--|
|                                                  |  | June 30, 2023          |
|                                                  |  | Balance                |             | Rate |      |       |
|                                                  |  | (Dollars in thousands) |
| Junior subordinated debentures                   |  |                        |             |      |      |       |
| Parkway National Capital Trust I                 |  | $                      | 3,093  |      |      | 7.40% |  |  |
| SovDallas Capital Trust I                        |  | 8,609             |             |      | 9.18 |       |  |
| Patriot Bancshares Capital Trust I               |  | 5,155             |             |      | 7.11 |       |  |
| Patriot Bancshares Capital Trust II              |  | 17,011            |             |      | 7.35 |       |  |
| Subordinated notes                               |  |                        |             |      |      |       |
| 4.75% Fixed-to-Floating Rate Subordinated Notes  |  | 75,000            |             |      | 4.75 |       |  |
| 4.125% Fixed-to-Floating Rate Subordinated Notes |  | 125,000           |             |      | 4.13 |       |  |
|                                                  |  |                        |             |      |      |       |

----

|                                                          |  |                  |   |                   |             |   |  |  |  |  |  |  |  |  |
|----------------------------------------------------------|--|------------------|---|-------------------|-------------|---|--|--|--|--|--|--|--|--|
|                                                     |  | For the          |   | For the           |
|                                                     |  | Six Months Ended |   | Year Ended        |
|                                                     |  | June 30, 2023    |   | December 31, 2022 |
| Sources of Funds:                                    |  |                  |   |                   |
| Deposits:                                            |  |                  |   |                   |
| Noninterest-bearing                                      |  | 18.8        | % |                   | 25.3   | % |
| Interest-bearing                                         |  | 32.9        |   |                   | 35.8   |   |
| Certificates and other time deposits                     |  | 22.2        |   |                   | 14.6   |   |
| Advances from FHLB                                       |  | 10.5        |   |                   | 8.1    |   |
| Other borrowings                                         |  | 1.9         |   |                   | 2.1    |   |
| Other liabilities                                        |  | 1.5         |   |                   | 1.1    |   |
| Stockholders’ equity                               |  | 12.2        |   |                   | 13.0   |   |
| Total                                                    |  | 100.0       | % |                   | 100.0  | % |
| Uses of Funds:                                       |  |                  |   |                   |
| Loans                                                    |  | 77.2        | % |                   | 74.9   | % |
| Debt Securities                                          |  | 9.7         |   |                   | 11.6   |   |
| Interest-bearing deposits in other banks                 |  | 4.3         |   |                   | 1.5    |   |
| Other noninterest-earning assets                         |  | 8.8         |   |                   | 12.0   |   |
| Total                                                    |  | 100.0       | % |                   | 100.0  | % |
| Average noninterest-bearing deposits to average deposits |  | 25.4        | % |                   | 33.4   | % |
|                                                          |  |                  |   |                   |
| Average loans to average deposits                        |  | 101.4       | % |                   | 94.6   | % |

----

|                                           |  |                  |               |               |                 |   |              |  |  |  |  |  |  |  |
|-------------------------------------------|--|------------------|---------------|---------------|-----------------|---|--------------|--|--|--|--|--|--|--|
|                                      |  | For the          |
|                                      |  | Six Months Ended |
|                                      |  | June 30, 2023    |               | June 30, 2022 |
|                                           |  | (In thousands)   |
| Net cash provided by operating activities |  | $                | 98,317   |               |                 | $ | 99,241  |  |
| Net cash used in investing activities     |  | (108,270)        |               |               | (1,573,493)     |   |
| Net cash provided by financing activities |  | 237,797     |               |               | 1,505,184  |   |
| Net change in cash and cash equivalents   |  | $                | 227,844  |               |                 | $ | 30,932  |  |

----

|                                         |  |                                  |                 |                    |             |             |   |                 |   |                 |             |  |             |   |  |  |  |  |  |  |  |  |  |  |  |  |
|-----------------------------------------|--|----------------------------------|-----------------|--------------------|-------------|-------------|---|-----------------|---|-----------------|-------------|--|-------------|---|--|--|--|--|--|--|--|--|--|--|--|--|
|                                    |  | As of June 30,                   |                 | As of December 31, |
|                                    |  | 2023                             |                 | 2022               |
|                                    |  | Amount                           |                 | Ratio              |             | Amount      |   | Ratio           |
|                                    |  | (Dollars in thousands) |
| Veritex Holdings, Inc.                  |  |                                  |                 |                    |             |             |   |                 |
| Total capital (to RWA)                  |  | $                                | 1,468,808  |                    |             | 12.51  | % |                 | $ | 1,395,904  |             |  | 11.63  | % |
| Tier 1 capital (to RWA)            |  | 1,175,474                   |                 |                    | 10.01  |             |   | 1,121,021  |   |                 | 9.34   |  |
| Common equity tier 1 (to RWA)           |  | 1,145,695                   |                 |                    | 9.76   |             |   | 1,091,353  |   |                 | 9.09   |  |
| Tier 1 capital (to average assets) |  | 1,175,474                   |                 |                    | 9.80   |             |   | 1,121,021  |   |                 | 9.82   |  |
| Veritex Community Bank                  |  |                                  |                 |                    |             |             |   |                 |
| Total capital (to RWA)                  |  | $                                | 1,448,929  |                    |             | 12.35  | % |                 | $ | 1,368,082  |             |  | 11.41  | % |
| Tier 1 capital (to RWA)            |  | 1,354,077                   |                 |                    | 11.54  |             |   | 1,291,288  |   |                 | 10.77  |  |
| Common equity tier 1 (to RWA)           |  | 1,354,077                   |                 |                    | 11.54  |             |   | 1,291,288  |   |                 | 10.77  |  |
| Tier 1 capital (to average assets) |  | 1,354,077                   |                 |                    | 11.30  |             |   | 1,291,288  |   |                 | 11.32  |  |

----

----

----

|                                |  |                           |   |                         |               |                           |  |                         |   |  |               |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|--------------------------------|--|---------------------------|---|-------------------------|---------------|---------------------------|--|-------------------------|---|--|---------------|---|--|--|--|--|--|--|--|--|--|--|--|--|--|--|
|                           |  | As of June 30, 2023       |   | As of December 31, 2022 |
|                           |  | Percent Change       |   | Percent Change     |               | Percent Change       |  | Percent Change     |
| Change in Interest   |  | in Net Interest |   | in Fair Value |               | in Net Interest |  | in Fair Value |
| Rates (Basis Points) |  | Income                    |   | of Equity          |               | Income                    |  | of Equity          |
| + 300                          |  | 10.52                | % |                         | 1.85     | %                         |  | 13.00              | % |  | 4.65     | % |
| + 200                          |  | 7.13                 | % |                         | 1.45     | %                         |  | 8.88               | % |  | 3.36     | % |
| + 100                          |  | 3.61                 | % |                         | 0.84     | %                         |  | 4.46               | % |  | 1.77     | % |
| Base                           |  | —              | % |                         | —  | %                         |  | —            | % |  | —  | % |
| −100                     |  | (3.63)                    | % |                         | (1.29)        | %                         |  | (4.72)                  | % |  | (2.55)        | % |

----

----

----

|               |                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |  |  |  |  |  |  |
|---------------|--------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--|--|--|--|--|--|
| ExhibitNumber |      | Description of Exhibit                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| 2.3           |                          | Agreement and Plan of Reorganization dated July 23, 2018, by and among Veritex Holdings, Inc., MustMS, Inc. and Green Bancorp, Inc. (incorporated by reference to Exhibit 2.1 to the Company’s Current Report on Form 8-K filed July 24, 2018).                                                                                                                                                                                                                                                                                           |
| 3.2           |                     | Third Amended and Restated Bylaws of Veritex Holdings, Inc. (incorporated by reference to Exhibit 3.2 to the Company’s Quarterly Report on Form 10-Q filed July 25, 2017).                                                                                                                                                                                                                                                                                                                                                                |
|               |                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|               |                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|               |                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|               |                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| 31.1*         |                     | Certification of Principal Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| 31.2*         |                     | Certification of Principal Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| 32.1**        |                     | Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| 32.2**        |                     | Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| 101*          |                     | The following materials from Veritex Holdings, Inc.’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2023, formatted in Inline XBRL (Inline eXtensible Business Reporting Language): (i) Cover Page, (ii) Consolidated Balance Sheets, (iii) Consolidated Statements of Income, (iv) Consolidated Statements of Comprehensive Income, (v) Consolidated Statements of Changes in Stockholders’ Equity, (vi) Consolidated Statements of Cash Flows, and (vii) Notes to Consolidated Financial Statements. |
| 104           |                          | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)                                                                                                                                                                                                                                                                                                                                                                                                                                                        |

----

|                          |        |                                              |  |  |  |  |  |  |
|--------------------------|--------|----------------------------------------------|--|--|--|--|--|--|
|                     |   |                                         |
|                     |   | VERITEX HOLDINGS, INC.                       |
|                     |   | (Registrant)                                 |
|                     |   |                                         |
|                     |   |                                         |
|                     |   |                                         |
|                     |   |                                         |
|                     |   |                                         |
| Date: August 8, 2023 |   | /s/ C. Malcolm Holland, III          |
|                     |   | C. Malcolm Holland, III                      |
|                     |   | Chairman and Chief Executive Officer         |
|                     |   | (Principal Executive Officer)                |
|                     |   |                                         |
|                     |   |                                         |
|                     |   |                                         |
|                     |   |                                         |
| Date: August 8, 2023 |   | /s/ Terry S. Earley                  |
|                     |   | Terry S. Earley                              |
|                     |   | Chief Financial Officer                      |
|                     |   | (Principal Financial and Accounting Officer) |
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