myfw-20240418xex992

First Quarter 2024 Conference Call

Safe Harbor 2 Statements in this presentation regarding our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business and markets are “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. Forward- looking statements often include words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “position,” “outlook,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “opportunity,” “could,” or “may.” The forward-looking statements in this presentation are based on current information and on assumptions that we make about future events and circumstances that are subject to a number of risks and uncertainties that are often difficult to predict and beyond our control. As a result of those risks and uncertainties, our actual financial results in the future could differ, possibly materially, from those expressed in or implied by the forward-looking statements contained in this presentation and could cause us to make changes to our future plans. Those risks and uncertainties include, without limitation, the lack of soundness of other financial institutions or financial market utilities may adversely affect the Company; the Company’s ability to engage in routine funding and other transactions could be adversely affected by the actions and commercial soundness of other financial institutions; financial institutions are interrelated because of trading, clearing, counterparty or other relationships; defaults by, or even rumors or questions about, one or more financial institutions or financial market utilities, or the financial services industry generally, may lead to market-wide liquidity problems and losses of client, creditor and counterparty confidence and could lead to losses or defaults by other financial institutions, or the Company; integration risks and projected cost savings in connection with acquisitions; the risk of geographic concentration in Colorado, Arizona, Wyoming, California, and Montana; the risk of changes in the economy affecting real estate values and liquidity; the risk in our ability to continue to originate residential real estate loans and sell such loans; risks specific to commercial loans and borrowers; the risk of claims and litigation pertaining to our fiduciary responsibilities; the risk of competition for investment managers and professionals; the risk of fluctuation in the value of our investment securities; the risk of changes in interest rates; and the risk of the adequacy of our allowance for credit losses and the risk in our ability to maintain a strong core deposit base or other low-cost funding sources. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in our Annual Report on Form 10-K filed with the U.S. Securities and Exchange Commission (“SEC”) on March 15, 2024 (“Form 10-K”), and other documents we file with the SEC from time to time. We urge readers of this presentation to review the “Risk Factors” section our Form 10-K and any updates to those risk factors set forth in our subsequent Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and our other filings with the SEC. Also, our actual financial results in the future may differ from those currently expected due to additional risks and uncertainties of which we are not currently aware or which we do not currently view as, but in the future may become, material to our business or operating results. Due to these and other possible uncertainties and risks, readers are cautioned not to place undue reliance on the forward-looking statements contained in this presentation, which speak only as of today’s date, or to make predictions based solely on historical financial performance. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law.

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 5 Loan Portfolio • Total loans held for investment decreased $55.9 million from prior quarter • Decrease due to limited new production that was more than offset by payoffs and a lower level of draws on existing credit lines than previous quarters • New loan production of $31 million, with focus primarily on non-CRE lending to clients that also bring deposits to the bank • Average rate on new loan production of 6.95% negatively impacted by a large cash secured origination 1Q 2023 4Q 2023 1Q 2024 Cash, Securities and Other $ 157,308 $ 140,053 $ 151,178 Consumer and Other 22,183 27,446 18,556 Construction and Development 283,999 347,515 333,284 1-4 Family Residential 889,782 925,984 910,129 Non-Owner Occupied CRE 536,679 546,966 562,862 Owner Occupied CRE 223,449 197,205 194,338 Commercial and Industrial 340,632 336,842 297,573 Total $ 2,454,032 $ 2,522,011 $ 2,467,920 Loans accounted for at fair value(2) 21,052 14,129 12,276 Total Loans HFI $ 2,475,084 $ 2,536,140 $ 2,480,196 Loans held-for-sale (HFS) 9,873 7,254 10,470 Total Loans $ 2,484,957 $ 2,543,394 $ 2,490,666 (1) Represents unpaid principal balance. Excludes deferred (fees) costs, and amortized premium/ (unaccreted discount). (2) Excludes fair value adjustments on loans accounted for under the fair value option. ($ in thousands, as of quarter end) Loan Portfolio Composition(1) Loan Portfolio Details Loan Production & Loan Payoffs Total Loans(1) $2,487 $2,487 2,515 2,546 2,510 $2,543 $2,491 1Q23 2Q23 3Q23 4Q23 1Q24 4Q23 1Q24 $— $400 $800 $1,200 $1,600 $2,000 $2,400 $2,800 $3,200 Average Period End

Appendix 14

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 16 Non-GAAP Reconciliation Consolidated Tangible Common Book Value Per Share As of, (Dollars in thousands) Dec. 31, 2018 Dec. 31, 2019 Dec. 31, 2020 Dec. 31, 2021 Dec. 31, 2022 Dec. 31, 2023 Mar. 31, 2024 Total shareholders' equity $116,875 $127,678 $154,962 $219,041 $240,864 $242,738 $245,528 Less: Goodwill and other intangibles, net 25,213 19,714 24,258 31,902 32,104 31,854 31,797 Intangibles held for sale(1) - 3,553 - - - - - Tangible common equity 91,662 104,411 $130,704 187,139 208,760 210,884 213,731 Common shares outstanding, end of period 7,968,420 7,940,168 7,951,773 9,419,271 9,495,440 9,581,183 9,621,309 Tangible common book value per share $11.50 $13.15 $16.44 $19.87 $21.99 $22.01 $22.21 Net income available to common shareholders $2,515 Return on tangible common equity (annualized) 4.71% (1) Represents the intangible portion of assets held for sale Consolidated Efficiency Ratio For the Three Months Ended, (Dollars in thousands) March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 Non-interest expense $20,528 $18,519 $18,314 $18,276 $16,696 Less: amortization 64 62 62 62 57 Adjusted non-interest expense $20,464 $18,457 $18,252 $18,214 $19,639 Net interest income $19,573 $18,435 $16,766 $16,331 $16,070 Non-interest income 5,806 3,962 6,099 6,081 7,277 Less: unrealized gains/(losses) recognized on equity securities 10 (11) (19) (2) (6) Less: impairment of contingent consideration assets - (1,249) - - - Less: net gain/(loss) on loans accounted for under the fair value option (543) (1,124) (252) (91) (302) Less: net gain on equity interests - - - - - Less: net (loss)/gain on loans held for sale at fair value (178) - - - 117 Adjusted non-interest income 6,517 6,346 6,370 6,174 7,468 Total income $26,090 $24,781 $23,136 $22,505 $23,538 Efficiency ratio 78.44% 74.48% 78.89% 80.93% 83.44%

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 17 Non-GAAP Reconciliation Wealth Management Gross Revenue For the Three Months Ended, (Dollars in thousands) March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 Total income before non-interest expense $24,543 $19,529 $21,647 $13,362 $21,890 Less: unrealized gains/(losses) recognized on equity securities 10 (11) (19) (2) (6) Less: impairment of contingent consideration assets - (1,249) - - - Less: net gain/(loss) on loans accounted for under the fair value option (543) (1,124) (252) (91) (302) Less: net gain on equity interests - - - - - Less: net (loss)/gain on loans held for sale at fair value (178) - - - 117 Plus: (release) provision for credit loss (310) 1,843 329 $8,493 72 Gross revenue $24,944 $23,756 $22,247 $21,948 $22,153 Mortgage Gross Revenue For the Three Months Ended, (Dollars in thousands) March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 Total income before non-interest expense $1,146 $1,025 $889 $557 $1,385 Plus: provision for credit loss - - - - - Gross revenue $1,146 $1,025 $889 $557 $1,385 Consolidated Gross Revenue For the Three Months Ended, (Dollars in thousands) March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 Total income before non-interest expense $25,689 $20,554 $22,536 $13,919 $23,275 Less: unrealized gains/(losses) recognized on equity securities 10 (11) (19) (2) (6) Less: impairment of contingent consideration assets - (1,249) - - - Less: net gain/(loss) on loans accounted for under the fair value option (543) (1,124) (252) (91) (302) Less: net gain on equity interests - - - - - Less: net (loss)/gain on loans held for sale at fair value (178) - - - 117 Plus: (release) provision for credit loss (310) 1,843 329 8,493 72 Gross revenue $26,090 $24,781 $23,136 $22,505 $23,538 Gross Revenue excluding net gain on mortgage loans (Dollars in thousands) March 31, 2023 December 31, 2023 March 31, 2024 Gross revenue $26,090 $22,505 $23,538 Less: net gain on mortgage loans 1,019 379 1,264 Gross revenue excluding net gain on mortgage loans $25,071 $22,126 $22,274