inbk-2q24earningspresent

Financial Results Second Quarter 2024 Exhibit 99.2

Forward-Looking Statements & Non-GAAP Financial Measures This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, including statements with respect to the financial condition, results of operations, trends in lending policies and loan programs, plans and prospective business partnerships, objectives, future performance and business of the Company. Forward-looking statements are generally identifiable by the use of words such as “believe,” “continue,” “could,” “decline,” “estimate,” “expect,” “grow,” “growth,” “improve,” “increase,” “may,” “pending,” “plan,” “position,” “preliminary,” “remain,” “rising,” “should,” “slow,” “strategy,” “well-positioned,” or other similar expressions. Forward- looking statements are not a guarantee of future performance or results, are based on information available at the time the statements are made and involve known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the information in the forward-looking statements. Such statements are subject to certain risks and uncertainties including: our business and operations and the business and operations of our vendors and customers; general economic conditions, whether national or regional, and conditions in the lending markets in which we participate may have an adverse effect on the demand for our loans and other products; our credit quality and related levels of nonperforming assets and loan losses, and the value and salability of the real estate that is the collateral for our loans. Other factors that may cause such differences include: failures or breaches of or interruptions in the communications and information systems on which we rely to conduct our business; failure of our plans to grow our commercial and industrial, construction and SBA loan portfolios; competition with national, regional and community financial institutions; the loss of any key members of senior management; the impacts of inflation and rising interest rates on the general economy; risks relating to the regulation of financial institutions; and other factors identified in reports we file with the U.S. Securities and Exchange Commission. All statements in this presentation, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any statement in light of new information or future events. This presentation contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (“GAAP”). Non-GAAP financial measures, specifically tangible common equity, tangible assets, tangible book value per common share, tangible common equity to tangible assets, total interest income – FTE, net interest income – FTE, net interest margin – FTE, adjusted noninterest expense, adjusted noninterest expense to average assets, adjusted income before income taxes, adjusted income tax provision (benefit), adjusted net income, adjusted diluted earnings per share, adjusted return on average assets, adjusted return on average shareholders’ equity, adjusted return on average tangible common equity, adjusted tangible common equity, adjusted tangible assets and adjusted tangible common equity to adjusted tangible assets are used by the Company’s management to measure the strength of its capital and analyze profitability, including its ability to generate earnings on tangible capital invested by its shareholders. Although management believes these non-GAAP measures are useful to investors by providing a greater understanding of its business, they should not be considered a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the table at the end of this presentation under the caption “Reconciliation of Non-GAAP Financial Measures.” 2

Second Quarter 2024 Highlights  Net income of $5.8 million and diluted EPS of $0.67, up 11.5% and 13.6%, respectively, from 1Q24  Adjusted net income of $6.21,2 million, up 20.2% from 1Q24  Adjusted diluted EPS of $0.721,2, up 22.0% from 1Q24 3  Net interest margin of 1.67% and FTE NIM of 1.76%1; both improved by 1 bp from 1Q24  Yield on loan portfolio increased 10 bps from 1Q24 while deposit costs only increased 4 bps  Capital position remains solid  TCE / TA of 6.88%1; CET1 ratio of 9.47%  Record SBA GOS revenue of $8.3 million  NPAs to total assets of 0.24%  Office CRE less than 1% of total loans  Excluding AOCI and adjusting for normalized cash balances, adjusted TCE / TA was 7.59%1  Tangible book value per share increased 1.3% to $42.371 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 2 2Q24 noninterest expense includes $0.5 million of IT termination fees and $0.1 million of anniversary expenses; see Reconciliation of Non-GAAP Financial Measures in the Appendix  Total revenue of $32.4 million, up 11.3% from 1Q24; positive operating leverage  Total portfolio loan balances increased 1.3% from 1Q24  Weighted average yield on new loans funded in 2Q24 was 8.88%  Loans to deposits ratio of 92.7%  Continued favorable shifts in the composition of loans and deposits

Loan Portfolio Overview  Total portfolio loan balances increased 1.3% from 1Q24  Commercial loan balances increased $46.9 million, or 1.5%, from 1Q24  Consumer loan balances increased $7.0 million, or 0.9%, from 1Q24  2Q24 funded portfolio loan origination yields were 8.88%, up 4 bps from 1Q24 and up 46 bps from 2Q23  Office exposure continues to be less than 1% of total loan balances and is limited to suburban and medical 4 Loan Portfolio Mix1 1 Percentages may not add up to 100% due to rounding 2 Includes commercial and industrial and owner-occupied commercial real estate balances Dollars in millions 2 11% 10% 10% 9% 9% 9% 10% 10% 16% 16% 10% 7% 7% 12% 11% 10%3% 9% 14% 14% 1% 2% 4% 4% 4% 6% 7% 2% 4% 10% 18% 14% 8% 6% 5% 21% 26% 24% 21% 21% 18% 14% 12% 39% 34% 35% 32% 31% 27% 25% 24% 3% 2% 3% 4% 6% 8% 10% 13% 10% 7% 6% 6% 6% 5% 5% 5% $2,091 $2,716 $2,964 $3,059 $2,888 $3,499 $3,840 $3,961 2017 2018 2019 2020 2021 2022 2023 2Q24 Commercial and Industrial Construction and Investor CRE Single Tenant Lease Financing Public Finance Healthcare Finance Small Business Lending Franchise Finance Residential Mortgage/HE/HELOCs Consumer

$1,927.1 45% $948.2 22% 367.7 9% $261.4 6% $375.0 9% $394.5 9% Consumer Small Business Commercial Fintech Public Funds Brokered2 $106.0 2% $265.8 6% $22.6 1% $456.7 10% $765.5 18% $375.0 9% $1,829.6 43% $452.7 11% Noninterest-bearing deposits Interest-bearing demand deposits Savings accounts Money market - Consumer Money market - SMB/Commercial Fintech deposits Certificates of deposits Brokered deposits Deposit Composition 5  Total deposits remained stable with 1Q24 and are up 10.9% from 2Q23  Diversified deposit base comprised of a combination of consumer, small business, commercial and public funds  Deposit base is further diversified by product type among checking, money market/savings and CDs  Favorable deposit composition shift in 2Q24; used liquidity from new CD and fintech production to pay down higher cost brokered deposits 1 Money market – SMB/Commercial includes small business, commercial, CRE and public funds 2 Public funds includes $58.1 million of deposits that are classified as brokered for regulatory purposes 1 Deposits by Customer Type – 6/30/24 Dollars in millions Total Deposits – $4.3B as of 6/30/24 Dollars in millions Average Balance (Dollars in thousands) $47.0 $86.2 $224.1 $44.4 $728.3

Liquidity and 2Q24 Deposit Update 6  Cash and unused borrowing capacity totaled $1.7 billion at June 30, 2024 – Currently represents 150% of total uninsured deposits and 197% of adjusted uninsured deposits  CD production supplemented by growth in fintech deposits drove shift in deposit mix  Liquidity deployed to pay down higher-cost brokered deposits as well as fund loan growth and securities purchases  Loan to deposits ratio remains favorable at 92.7% 1 Money market – SMB/Commercial includes small business, commercial, CRE and public funds Cost of Funds by Deposit TypeTotal Deposits by Quarter Dollars in millions 3% 3% 3% 3% 2%10% 9% 6% 6% 6%1% 1% 1% 1% 1% 11% 10% 11% 10% 11% 21% 20% 20% 19% 18% 1% 1% 5% 6% 9% 53% 56% 54% 55% 53% 2Q23 3Q23 4Q23 1Q24 2Q24 Noninterest-bearing deposits Interest-bearing demand deposits Savings accounts Money market - Consumer Money market - SMB/Commercial Fintech deposits Certificates and brokered deposits 1 $3,854.3 $4,083.5 $4,273.9 2Q23 3Q23 4Q23 1Q24 2Q24 Interest-bearing demand deposits 1.68% 2.18% 1.71% 2.03% 2.18% Savings accounts 0.86% 0.85% 0.85% 0.86% 0.84% Money market accounts 3.88% 4.04% 4.12% 4.18% 4.23% BaaS – brokered deposits 4.03% 4.33% 4.38% 4.39% 4.37% Certificates of deposits 3.84% 4.37% 4.55% 4.70% 4.78% Brokered deposits 4.47% 4.74% 4.70% 4.79% 4.78% Total interest-bearing deposits 3.75% 4.09% 4.14% 4.25% 4.29% $4,273.8$4,067.0

Net Interest Income and Net Interest Margin  Net interest income on a GAAP and FTE basis were up 2.9% and 2.6%, respectively, from 1Q24  Improved loan mix and higher earning asset yields were partially offset by slightly higher funding costs  Growth in net interest income and NIM impacted by loan payoffs and timing of new loan production  Pace of increase in deposit costs decelerated further from 1Q24 7 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix Yield on Loans and Cost of Interest-Bearing Deposits Net Interest Margin – GAAP and FTE1 5.15% 5.24% 5.50% 5.73% 5.83% 3.75% 4.09% 4.14% 4.25% 4.29% 2Q23 3Q23 4Q23 1Q24 2Q24 Yield on loans Cost of interest-bearing deposits $18.1 $17.4 $19.8 $20.7 $21.3 $19.5 $18.6 $21.0 $21.9 $22.5 2Q23 3Q23 4Q23 1Q24 2Q24 GAAP FTE 1.53% 1.39% 1.58% 1.66% 1.67% 1.64% 1.49% 1.68% 1.75% 1.76% 2Q23 3Q23 4Q23 1Q24 2Q24 GAAP FTE Net Interest Income – GAAP and FTE1 Dollars in millions

Net Interest Margin Drivers 8 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix Net Interest Margin – FTE1 Linked-Quarter Change Monthly Rate Paid on Int. Bearing Deposits vs. Fed Funds  Linked-quarter FTE NIM1 increased 1 bp due to higher earning asset yields, offset by slightly higher deposit costs – Weighted average yield of 8.88% on funded portfolio originations during 2Q24 – Securities yields increased 21 bps from 1Q24 while other earning asset yields decreased 11 bps  Deposit costs increased 4 bps from 1Q24 to 4.29% for 2Q24 – Deposit costs impacted by higher average balances of CDs and growth in fintech partner deposits – Weighted average cost of new CDs in 2Q24 was 4.97% vs cost of maturing CDs of 4.88% – Cost of maturing CDs in 3Q24 is 5.05% and in 4Q24 is 5.03% +3 bps -11 bps +4 bps 1.75% 1.76% +5 bps 3.98% 4.13% 4.16% 4.17% 4.09% 4.17% 4.22% 4.24% 4.29% 4.28% 4.31% 4.28% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% 5.33% Jul-23 Aug-23 Sep-23 Oct-23 Nov-23 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Int. Bearing Deposits Fed Funds Effective

Noninterest Income 9 Dollars in millions Noninterest Income by Type Dollars in millions Noninterest Income by Quarter  Noninterest income of $11.0 million, up 32.2%, from $8.3 million in 1Q24  Gain on sale of loans of $8.3 million, up 26.9%, from $6.5 million in 1Q24 – SBA loan sale volume up 18.9% from 1Q24 – Net gain on sale premiums increased 6 bps from 1Q24  Increase of $1.2 million in other income driven by distributions from fund investments $0.2 $0.6 $8.3 $1.9 Service charges and fees Net loan servicing revenue Gain on sale of loans Other $5.9 $7.4 $7.4 $8.3 $11.0 2Q23 3Q23 4Q23 1Q24 2Q24

Noninterest Expense 10 1 2Q24 noninterest expense includes $0.5 million of IT termination fees and $0.1 million of anniversary expenses; see Reconciliation of Non-GAAP Financial Measures in the Appendix Dollars in millions Noninterest Expense by Quarter Noninterest Expense to Average Assets 1.73%1.71% 1.55% 1.52% 1.53% 1.54% 1.62% 1.68% 2Q23 3Q23 4Q23 1Q24 2Q24 Core Non-core items 1 1.64% $18.7 $19.8 $20.1 $21.0 $22.3 2Q23 3Q23 4Q23 1Q24 2Q24 Core Non-core items 1  Noninterest expense of $22.3 million, up 6.2%, from $21.0 million in 1Q24  Excluding almost $0.6 million of non-recurring items1, noninterest expense totaled $21.8 million, up 3.5% from 1Q24  Excluding the nonrecurring items, the increase was driven by higher salaries and employee benefits, consulting and professionals fees and loan expenses $21.8

Asset Quality  Allowance for credit losses to total loans of 1.10% in 2Q24, up 5 bps from 1Q24  Quarterly provision for credit losses was $4.0 million, compared to $2.4 million in 1Q24  Net charge-offs to average loans of 0.14%, compared to 0.05% in 1Q24  Nonperforming loans to total loans remained stable with 1Q24 at 0.33%  Delinquencies 30 days or more past due of 0.56%, compared to 0.53% in 1Q24 11 0.17% 0.16% 0.26% 0.33% 0.33% 2Q23 3Q23 4Q23 1Q24 2Q24 0.13% 0.12% 0.20% 0.25% 0.24% 2Q23 3Q23 4Q23 1Q24 2Q24 NPLs to Total Loans NPAs to Total Assets Net Charge-Offs to Avg. Loans 0.17% 0.16% 0.12% 0.05% 0.14% 2Q23 3Q23 4Q23 1Q24 2Q24

Capital  Tangible common equity to tangible assets increased 9 bps from 1Q24 to 6.88%1  Tangible book value per share of $42.371, up 1.3% from 1Q24  CET1 and TRBC ratios at both the Company and the Bank, adjusted for all unrealized securities losses, remain well above regulatory minimum requirements  Total after-tax unrealized securities losses represent 13.0% of tangible equity 12 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 2 Regulatory capital ratios are preliminary pending filing of the Company’s and Bank’s regulatory reports Company Bank Total shareholders' equity to assets 6.96% 8.45% Tangible common equity to tangible assets1 6.88% 8.37% Tier 1 leverage ratio 7.24% 8.77% Common equity tier 1 capital ratio 9.47% 11.47% Tier 1 capital ratio 9.47% 11.47% Total risk-based capital ratio 13.13% 12.58% $27.93 $30.82 $33.29 $38.51 $39.74 $41.43 $42.37 2018 2019 2020 2021 2022 2023 2Q24 Tangible Book Value Per Share1 Regulatory Capital Ratios – June 30, 20242

Small Business Lending  $270.1 million of retained balances as of June 30, 2024  Nationwide platform providing growth capital to entrepreneurs and small business owners  6th largest Small Business Administration 7(a) lender for the SBA’s year-to-date 2024 fiscal year 1313 Managed SBA 7(a) Loans Portfolio Mix by State Portfolio Mix by Major Industry 17% 12% 11% 11%8% 6% 35% TX FL MI CA IN IL Other 19% 18% 14%14% 9% 26% Services Retail Trade Construction Accommodation and Food Services Manufacturing Other

Construction and Investor Commercial Real Estate  $517.3 million of combined balances as of June 30, 2024  Average current loan balance of $8.2 million for investor CRE  Average commitment sizes for construction – Commercial construction/development: $25.1 million – Residential construction/development: $2.1 million 14 Portfolio by Loan Type Portfolio Mix by State Portfolio Mix by Major Industry  2Q24 unfunded commitment balances – Commercial construction/development: $490.4 million – Residential construction/development: $38.3 million  Minimal office exposure; 1.6% of combined balances consisting of suburban and medical office space 58%35% 7% Commercial Construction/ Development Investor Commercial Real Estate Residential Construction/ Development 44% 27% 18% 3% 2% 2% 2%1% 1% Multifamily/Mixed Use Industrial Warehouse Hospitality Residential Land Development Residential Construction Commercial Land Suburban & Medical Office Retail Other 62%14% 13% 5%3% 3% IN AZ CA FL KY Other

Franchise Finance  $551.1 million of balances as of June 30, 2024  Focused on providing growth financing to franchisees in a variety of industry segments  Strong historical credit performance to date  Average loan size of $832,000 15 Portfolio Mix by Borrower Use Portfolio Mix by State Portfolio Mix by Brand 131 22% 15% 15%13% 10% 5% 20% Limited-Service Restaurants Indoor Recreation Beauty Salons Snacks and Nonalcoholic Beverages Fitness and Recreational Sports Centers Other Personal Care Services Other 14% 12% 6% 5% 5% 4% 3% 51% TX CA FL PA MI GA NC Other 9% 8% 7% 6% 5% 4% 61% Urban Air Adventure Park Scooter's Coffee My Salon Suite Goldfish Swim School Restore Hyper Wellness Crumbl Cookies Other

Single Tenant Lease Financing  $927.5 million of balances as of June 30, 2024  Long-term financing of single tenant properties occupied by historically strong national and regional tenants  Weighted-average portfolio LTV of 46%  Average loan size of $1.3 million 16 Portfolio Mix by Major Vertical Portfolio Mix by Major Tenant Portfolio Mix by Geography  Strong historical credit performance  No delinquencies in this portfolio  Minimal office exposure; 1.3% of loan balances consisting of medical office space 26% 23% 17% 13% 6% 6% 4% 5% Quick Service Restaurants Auto Parts/ Repair/Car Wash Full Service Restaurants Convenience/Fuel Pharmacies Dollar Stores Specialty Retailer Other 6% 6% 5% 5% 4% 4% 3% 3% 3% 2% 59% Tidal Wave Burger King Wendy's Caliber Collision Dollar General Red Lobster ICWG Bob Evans Walgreens CVS Other 10% 24% 22% 39% 5%

5% 9% 12% 6% 18%9% 8% 2%1% 30% AAA/Aaa AA+/Aa1 AA/Aa2 AA-/Aa3 A+/A1 A/A2 A-/A3 BBB+/Baa1 BBB/Baa2 Non-Rated 33% 14% 14% 10% 6% 6% 5% 4% 3% 2% 3% General Obligation Essential use equipment loans Lease rental revenue Water & sewer revenue Private Higher Education Tax Incremental Financing (TIF) districts Short term cash flow financing (BAN) Public higher education facilities Sales tax, food and beverage tax, hotel tax Income tax supported loans Others 60% 6% 5% 4% 4% 4% 3% 2% 12% IN OK IA OH MO MI GA WA Other Public Finance  $486.2 million of balances as of June 30, 2024  Provides a range of credit solutions for government and not-for-profit entities  Borrowers’ needs include short-term financing, debt refinancing, infrastructure improvements, economic development and equipment financing 17  No delinquencies or losses since inception Portfolio Mix by Repayment Source Borrower Mix by Credit Rating Portfolio Mix by State

Healthcare Finance  $202.1 million of balances as of June 30, 2024  Average loan size of $430,000  Strong historical credit performance to date  No delinquencies in this portfolio 18 Portfolio Mix by Borrower Use Portfolio Mix by Borrower Portfolio Mix by State 18 87% 9% 4% Dentists Veterinarians Other 30% 12% 6% 4% 4% 4% 3% 37% CA TX FL NY AZ WA IL Other 76% 18% 5% 1% Practice Refi or Acquisition Owner Occupied CRE Project Equipment and Other

C&I and Owner-Occupied Commercial Real Estate  $173.7 million of combined balances as of June 30, 2024  Current C&I LOC utilization of 25%  Average loan sizes  C&I: $553,000  Owner-occupied CRE: $854,000 19 Portfolio by Loan Type Portfolio Mix by State Portfolio Mix by Major Industry 19 50% 34% 16% C&I - Term Loans Owner Occupied CRE C&I - Lines of Credit 37% 22% 9% 9% 5% 18% IN AZ CA IL FL Other 42% 18% 13% 12% 8% 7% Other Services Manufacturing Construction Real Estate and Rental and Leasing Health Care and Social Assistance  Minimal office exposure; 1.9% of combined loan balances consisting of suburban office space

Residential Mortgage  $404.0 million of balances as of June 30, 2024 (includes home equity balances)  Historically direct-to-consumer originations centrally located at corporate headquarters  Focused on high quality borrowers – Average loan size of $208,000 – Average credit score at origination of 742 – Average LTV at origination of 80%  Strong historical credit performance 20 Concentration by State Concentration by Loan TypeNational Portfolio with Midwest Concentration 15% 3% 73% 4% 5% 20 71% 12% 2% 2% 2% 11% Indiana California Florida New York Texas All other states 94% 4% 1% 1% Single Family Residential Home Equity – LOC SFR Construction to Permanent Home Equity – Closed End

24% 21% 17% 28% 10% Specialty Consumer  $396.5 million of balances as of June 30, 2024  Direct-to-consumer and nationwide dealer network originations  Focused on high quality borrowers – Average credit score at origination of 778 – Average loan size of $27,000  Strong historical credit performance Concentration by State Concentration by Loan TypeGeographically Diverse Portfolio 211 14% 10% 6% 4% 4% 62% Texas California Florida North Carolina Colorado All other states 51% 38% 11% Trailers Recreational Vehicles Other Consumer

22 Appendix

Loan Portfolio Composition 23 1 Includes carrying value adjustments of $25.6 million, $26.9 million, $27.8 million, $32.5 million and $37.5 million associated with public finance loans as of June 30, 2024, March 31, 2024, December 31, 2023, December 31, 2022 and December 31, 2021, respectively. Dollars in thousands 2021 2022 2023 1Q24 2Q24 Commercial loans Commercial and industrial 96,008$ 126,108$ 129,349$ 133,897$ 115,585$ Owner-occupied commercial real estate 66,732 61,836 57,286 57,787 58,089 Investor commercial real estate 28,019 93,121 132,077 128,276 188,409 Construction 136,619 181,966 261,750 325,597 328,922 Single tenant lease financing 865,854 939,240 936,616 941,597 927,462 Public finance 592,665 621,032 521,764 498,262 486,200 Healthcare finance 387,852 272,461 222,793 213,332 202,079 Small business lending 108,666 123,750 218,506 239,263 270,129 Franchise finance 81,448 299,835 525,783 543,122 551,133 Total commercial loans 2,363,863 2,719,349 3,005,924 3,081,133 3,128,008 Consumer loans Residential mortgage 186,770 383,948 395,648 390,009 382,549 Home equity 17,665 24,712 23,669 22,753 21,405 Trailers 146,267 167,326 188,763 191,353 197,738 Recreational vehicles 90,654 121,808 145,558 145,475 150,151 Other consumer loans 28,557 35,464 43,293 43,847 48,638 Total consumer loans 469,913 733,258 796,931 793,437 800,481 Net def. loan fees, prem., disc. and other 1 53,886 46,794 37,365 35,234 32,657 Total loans 2,887,662$ 3,499,401$ 3,840,220$ 3,909,804$ 3,961,146$

Reconciliation of Non-GAAP Financial Measures 24 Dollars in thousands, except for per share data 2018 2019 2020 2021 2022 2023 2Q24 Total equity - GAAP $288,735 $304,913 $330,944 $380,338 $364,974 $362,795 $371,953 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) (4,687) (4,687) Tangible common equity $284,048 $300,226 $326,257 $375,651 $360,287 $358,108 $367,266 Common shares outstanding 10,170,778 9,741,800 9,800,569 9,754,455 9,065,883 8,644,451 8,667,894 Book value per common share $28.39 $31.30 $33.77 $38.99 $40.26 $41.97 $42.91 Effect of goodwill (0.46) (0.48) (0.48) (0.48) (0.52) (0.54) (0.54) Tangible book value per common share $27.93 $30.82 $33.29 $38.51 $39.74 $41.43 $42.37

Reconciliation of Non-GAAP Financial Measures 25 1 Assuming a 21% tax rate Dollars in thousands, except for per share data 2Q23 3Q23 4Q23 1Q24 2Q24 Total equity - GAAP $354,332 $347,744 $362,795 $366,739 $371,953 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Tangible common equity $349,645 $343,057 $358,108 $362,052 $367,266 Total assets - GAAP $4,947,049 $5,169,023 $5,167,572 $5,340,667 $5,343,302 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Tangible assets $4,942,362 $5,164,336 $5,162,885 $5,335,980 $5,338,615 Common shares outstanding 8,774,507 8,669,673 8,644,451 8,655,854 8,667,894 Book value per common share $40.38 $40.11 $41.97 $42.37 $42.91 Effect of goodwill (0.53) (0.54) (0.54) (0.54) (0.54) Tangible book value per common share $39.85 $39.57 $41.43 $41.83 $42.37 Total shareholders' equity to assets 7.16% 6.73% 7.02% 6.87% 6.96% Effect of goodwill (0.09%) (0.09%) (0.08%) (0.08%) (0.08%) Tangible common equity to tangible assets 7.07% 6.64% 6.94% 6.79% 6.88% Total interest income $58,122 $63,015 $66,272 $68,165 $70,961 Adjustments: Fully-taxable equivalent adjustments 1 1,347 1,265 1,238 1,190 1,175 Total interest income - FTE $59,469 $64,280 $67,510 $69,355 $72,136 Net interest income $18,145 $17,378 $19,807 $20,734 $21,327 Adjustments: Fully-taxable equivalent adjustments 1 1,347 1,265 1,238 1,190 1,175 Net interest income - FTE $19,492 $18,643 $21,045 $21,924 $22,502 Net interest margin 1.53% 1.39% 1.58% 1.66% 1.67% Adjustments: Effect of fully-taxable equivalent adjustments 1 0.11% 0.10% 0.10% 0.09% 0.09% Net interest margin - FTE 1.64% 1.49% 1.68% 1.75% 1.76%

Reconciliation of Non-GAAP Financial Measures 26 Dollars in thousands, except for per share data 2Q23 3Q23 4Q23 1Q24 2Q24 Noninterest expense $18,670 $19,756 $20,056 $21,023 $22,336 Adjustments: IT termination fees - - - - (452) Anniversary expenses - - - - (120) Adjusted noninterest expense $18,670 $19,756 $20,056 $21,023 $21,764 Noninterest expense to average assets 1.52% 1.53% 1.54% 1.62% 1.68% Effect of IT termination fees 0.00% 0.00% 0.00% 0.00% (0.03%) Effect of anniversary expenses 0.00% 0.00% 0.00% 0.00% (0.01%) Adjusted noninterest expense to average assets 1.52% 1.53% 1.54% 1.62% 1.64% Income before income taxes - GAAP 3,648$ 3,083$ 3,558$ 5,610$ 5,993$ Adjustments: IT termination fees - - - - 452 Anniversary expenses - - - - 120 Adjusted income before income taxes $3,648 $3,083 $3,558 $5,610 $6,565 Income tax provision (benefit) - GAAP (234)$ (326)$ (585)$ 429$ 218$ Adjustments:1 IT termination fees - - - - 95 Anniversary expenses - - - - 25 Adjusted income tax provision (benefit) (234)$ (326)$ (585)$ 429$ 338$ 1 Assuming a 21% tax rate

Reconciliation of Non-GAAP Financial Measures 27 1 Assuming a 21% tax rate Dollars in thousands, except for per share data 2Q23 3Q23 4Q23 1Q24 2Q24 Net income - GAAP 3,882$ 3,409$ 4,143$ 5,181$ 5,775$ Adjustments: IT termination fees - - - - 357 Anniversary expenses - - - - 95 Adjusted net income $3,882 $3,409 $4,143 $5,181 $6,227 Diluted average common shares outstanding 8,908,180 8,767,217 8,720,078 8,750,297 8,656,215 Diluted earnings per share - GAAP 0.44$ 0.39$ 0.48$ 0.59$ 0.67$ Adjustments: Effect of IT termination fees - - - - 0.04 Effect of anniversary expenses - - - - 0.01 Adjusted diluted earnings per share $0.44 $0.39 $0.48 $0.59 $0.72 Return on average assets 0.32% 0.26% 0.32% 0.40% 0.44% Effect of IT termination fees 0.00% 0.00% 0.00% 0.00% 0.03% Effect of anniversary expenses 0.00% 0.00% 0.00% 0.00% 0.01% Adjusted return on average assets 0.32% 0.26% 0.32% 0.40% 0.48% Return on average shareholders' equity 4.35% 3.79% 4.66% 5.64% 6.28% Effect of IT termination fees 0.00% 0.00% 0.00% 0.00% 0.39% Effect of anniversary expenses 0.00% 0.00% 0.00% 0.00% 0.10% Adjusted return on average shareholders' equity 4.35% 3.79% 4.66% 5.64% 6.77% Return on average tangible common equity 4.40% 3.84% 4.72% 5.71% 6.36% Effect of IT termination fees 0.00% 0.00% 0.00% 0.00% 0.39% Effect of anniversary expenses 0.00% 0.00% 0.00% 0.00% 0.10% Adjusted return on average tangible common equity 4.40% 3.84% 4.72% 5.71% 6.85%

Reconciliation of Non-GAAP Financial Measures 28 Dollars in thousands 2Q24 Tangible common equity $367,266 Adjustments: Accumulated other comprehensive loss 30,587 Adjusted tangible common equity $397,853 Tangible assets $5,338,615 Adjustments: Cash in excess of $300 million (96,786) Adjusted tangible assets $5,241,829 Adjusted tangible common equity $397,853 Adjusted tangible assets $5,241,829 Adjusted tangible common equity to adjusted tangible assets 7.59%