BankUnited, Inc. Q4 2020 – Supplemental Information January 21, 2021 Exhibit 99.2

Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the current views of BankUnited, Inc. (“BankUnited,” “BKU” or the “Company”) with respect to, among other things, future events and financial performance. The Company generally identifies forward-looking statements by terminology such as “outlook,” “believes,” “expects,” “potential,” “continues,” “may,” “will,” “could,” “should,” “seeks,” “approximately,” “predicts,” “intends,” “plans,” “estimates,” “anticipates,” "forecasts" or the negative version of those words or other comparable words. Any forward-looking statements contained in this presentation are based on the historical performance of the Company and its subsidiaries or on the Company’s current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representation by the Company that the future plans, estimates or expectations contemplated by the Company will be achieved. Such forward-looking statements are subject to various risks and uncertainties and assumptions, including (without limitations) those relating to the Company’s operations, financial results, financial condition, business prospects, growth strategy and liquidity, including as impacted by the COVID-19 pandemic. If one or more of these or other risks or uncertainties materialize, or if the Company’s underlying assumptions prove to be incorrect, the Company’s actual results may vary materially from those indicated in these statements. These factors should not be construed as exhaustive. The Company does not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. A number of important factors could cause actual results to differ materially from those indicated by the forward- looking statements. Information on these factors can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 and any subsequent Quarterly Report on Form 10-Q or Current Report on Form 8-K, which are available at the SEC’s website (www.sec.gov). 2

Financial Highlights

Strong Quarterly Results in a Challenging Environment Robust capital levels Loan deferrals and modifications Operating results Continued improvement in deposit mix 4 • CET1 ratios of 12.6% at the holding company and 13.9% at the bank at December 31, 2020 • Book value per share grew to $32.05 and tangible book value grew to $31.22 at December 31, 2020 • Reinstated our share repurchase program with authorization to repurchase approximately $44.9 million in shares of common stock • EPS for the quarter of $0.89 • Annualized ROE for the quarter of 11.6% and ROA of 0.96% • Net interest income grew by $6 million linked quarter and $8 million compared to Q4 2019 • NIM of 2.33% compared to 2.32% linked quarter • Lower provision for credit losses reflecting an improving economic forecast • Average non-interest DDA up $966 million linked quarter and $2.9 billion compared to Q4 2019 • Non-interest DDA grew by $219 million for the quarter to 25% of total deposits from 18% a year ago • Average total cost of deposits continued to decline, to 0.43% for the quarter, lowest in the Company’s history • “Spot” APY on total deposits was 0.36% at December 31, 2020 • Loans on deferral totaled $207 million or less than 1% of total loans at December 31, 2020 • Commercial: $63 million or less than 1% of commercial loans • Residential: $144 million or 2% of residential loans • CARES Act modifications totaled $587 at December 31, 2020 • Commercial: $575 million or 3% of commercial loans • Residential: $12 million or less than 1% of residential loans

Highlights from Fourth Quarter Earnings 5 (1) PPNR is a non-GAAP financial measure. See section entitled “Non-GAAP Financial Measures” on page 32 (2) Includes guaranteed portion of non-accrual SBA loans. (3) YTD net charge-offs, annualized for Q3 20 Change From ($ in millions, except per share data) Q4 20 Q3 20 Q4 19 Q3 20 Q4 19 Key Highlights Net Interest Income $ 193 $ 187 $ 185 6 8 Provision for Credit Losses $ (2) $ 29 $ - (31) (2) Continuing stabilization of reserves as economic forecast improves. Total Non-interest Income $ 35 $ 36 $ 38 (1) (3) Total Non-interest Expense $ 123 $ 109 $ 119 14 4 Q4 20 impacted by variable compensation accrual adjustments. Net Income $ 86 $ 67 $ 89 19 (3) EPS $ 0.89 $ 0.70 $ 0.91 0.19 (0.02) Pre-Provision, Net Revenue (PPNR) (1) $ 105 $ 115 $ 104 (10) 1 Period-end Loans $ 23,866 $ 23,779 $ 23,155 87 711 3.0% YoY loan growth. Period-end Deposits $ 27,496 $ 26,597 $ 24,395 899 3,101 13.0% YoY deposit growth, primarily from non-interest bearing. CET1 12.6 % 12.2 % 12.3 % 0.4 % 0.3 % Total Capital 14.7 % 14.3 % 12.8 % 0.4 % 1.9 % Reflects $300 million in subordinated notes issued in Q2 20. Yield on Loans 3.55 % 3.61 % 4.27 % (0.06)% (0.72)% Turnover of portfolio at lower prevailing rates. Cost of Deposits 0.43 % 0.57 % 1.48 % (0.14)% (1.05)% Spot APY on total deposits declined to 0.36% at December 31, 2020. Net Interest Margin 2.33 % 2.32 % 2.41 % 0.01 % (0.08)% Non-performing Assets to Total Assets (2) 0.71 % 0.58 % 0.63 % 0.19 % 0.14 % Allowance for Credit Losses to Total Loans 1.08 % 1.15 % 0.47 % (0.07)% 0.61 % Decline from Q3 20 primarily due to charge-offs taken. Net Charge-offs to Average Loans (3) 0.26 % 0.25 % 0.05 % 0.01 % 0.21 %

6 Continuing to Transform our Deposit Mix ($ in millions) $7,081 $7,046 $7,347 $7,542 $6,731 $5,888 $4,807 $10,911 $10,936 $10,622 $10,324 $10,590 $11,003 $12,660 $1,831 $1,847 $2,131 $2,536 $2,866 $2,917 $3,020 $4,099 $4,127 $4,295 $4,599 $5,883 $6,789 $7,009 $23,922 $23,956 $24,395 $25,001 $26,070 $26,597 $27,496 Jun 19 Sep 19 Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Non-interest Demand Interest Demand Money Market / Savings Time Non-interest bearing demand deposits have grown at a compound annual growth rate of 39% since December 31, 2018 We have consistently priced down our deposit portfolio since the Fed began lowering interest rates in late 2019 Cost of Deposits 1.70% 1.67% 1.48% 1.36% 0.80% 0.57% 0.43% Non-interest bearing 17.1% 17.2% 17.6% 18.4% 22.6% 25.5% 25.5% Spot Average Annual Percentage Yield (“APY”) At December 31, 2019 At March 31, 2020 At June 30, 2020 At September 30, 2020 At December 31, 2020 Total non-maturity deposits 1.11% 0.83% 0.44% 0.37% 0.29% Total interest-bearing deposits 1.71% 1.35% 0.82% 0.65% 0.48% Total deposits 1.42% 1.12% 0.65% 0.49% 0.36%

7 Prudently Underwritten and Well-Diversified Loan Portfolio At December 31, 2020 ($ in millions) Loan Portfolio Over Time $21,416 $21,977 $23,155 $23,185 $23,835 $23,779 $23,866 $4,699 $4,949 $5,661 $5,635 $5,578 $5,941 $6,348 $8,005 $7,501 $7,493 $7,178 $7,081 $6,984 $6,896 $5,689 $6,478 $6,719 $7,035 $7,559 $7,308 $7,230 $459 $432 $768 $852 $1,161 $1,251 $1,259 $2,564 $2,617 $2,514 $2,485 $2,456 $2,295 $2,133 12/31/2017 12/31/2018 12/31/2019 3/31/2020 6/30/2020 9/30/2020 12/31/2020 Residential CRE C&I Mortgage Warehouse Lending Lending Subs CRE Non-Owner Occupied 72% Multi-family 24% Construction and Land 4% Residential Loan Product Type 30 Yr Fixed 17% 15 & 20 Year Fixed 9% 10/1 ARM 20% 5/1 & 7/1 ARM 30% Formerly Covered 2% Govt Insured 22% Owner Occupied 28% Commercial and Industrial 61% SBA PPP 11% C&I Lending Subs Pinnacle 52% Bridge - Franchise 26% Bridge - Equpment 22%

Allowance for Credit Losses

9 CECL Methodology Underlying Principles Economic Forecast Key Variables • The ACL under CECL represents management’s best estimate at the balance sheet date of expected credit losses over the life of the loan portfolio. • Required to consider historical information, current conditions and a reasonable and supportable economic forecast. • For most portfolio segments, BankUnited uses econometric models to project PD, LGD and expected losses at the loan level and aggregates those expected losses by segment. • Qualitative adjustments may be applied to the quantitative results. • Accounting standard requires an estimate of expected prepayments which may significantly impact the lifetime loss estimate. • Our ACL estimate was informed by Moody’s economic scenarios published in December 2020. • Unemployment at 6.7% for Q1 2021, stable through end of 2021, declining to 5.4% by end of 2022. • Annualized growth in GDP 4% for Q1 2021, increasing to 4.1% by end of 2021 and 4.7% by end of 2022. • VIX trending down to stabilized levels through the forecast horizon. • S&P 500 stable near 3500, through the R&S period. • 2 year reasonable and supportable forecast period. • The models ingest numerous national, regional and MSA level economic variables and data points. Economic data and variables to which portfolio segments are most sensitive: • Commercial o Market volatility index o S&P 500 index o Unemployment rate o A variety of interest rates and spreads • CRE o Unemployment o CRE property forecast o 10-year treasury o Baa corporate yield o Real GDP growth • Residential o HPI o Unemployment rate o Real GDP growth o Freddie Mac 30-year rate

10 Drivers of Change in the ACL ($ in millions) ACL 9/30/20 ACL 12/31/20 Assumption Changes Portfolio Changes Change in Qualitative Overlay • New loans • Exits/runoff • Portfolio seasoning • Current market adjustment • Changes to forward path of economic forecast % of Total Loans 1.15% 1.08% Economic Forecast • Additional qualitative overlay for borrowers impacted by COVID- 19 Charge-Offs • $13.8 million related to loans sold during the quarter, or held for sale at quarter- end Net Portfolio Migration • Risk rating migration • Changes in specific reserves • Primarily updates to behavioral assumptions about residential loans with payment deferrals

11 (1) Non-performing loans and assets include the guaranteed portion of non-accrual SBA loans totaling $51.3 million, $43.6 million, and $45.7 million or 0.22%, 0.18%, and 0.20% of total loans and 0.15%, 0.12%, and 0.14% of total assets, at December 31, 2020, September 30, 2020, and December 31, 2019. (2) ACL to total loans, excluding government insured residential loans, PPP loans and MWL, which carry nominal or no reserves, was 1.26% at December 31, 2020. See section entitled “Non-GAAP Financial Measures” on page 33. ($ in millions) Allocation of the ACL Asset Quality Ratios December 31, 2019 September 30, 2020 December 31, 2020 Non-performing loans to total loans (1) 0.88% 0.84% 1.02% Non-performing assets to total assets 0.63% 0.58% 0.71% Allowance for credit losses to non-performing loans (1) 53.07% 136.86% 105.26% Net charge-offs to average loans 0.05% 0.26% Balance % of Loans Balance % of Loans Balance % of Loans Residential and other consumer 19.3$ 0.34% 16.0$ 0.27% 18.7$ 0.29% Commercial: Commercial real estate 16.7 0.22% 113.3 1.62% 104.6 1.52% Commercial and industrial 83.6 1.12% 114.4 1.34% 91.0 1.07% Pinnacle 0.4 0.03% 0.4 0.03% 0.3 0.03% Franchise finance 9.0 1.44% 24.4 4.03% 36.3 6.61% Equipment finance 7.0 1.02% 5.6 1.05% 6.4 1.34% Total commercial 116.7 0.67% 258.1 1.45% 238.6 1.36% Allowance for credit losses 136.0$ 0.59% 274.1$ 1.15% 257.3$ 1.08% (2) December 31, 2020January 1, 2020 September 30, 2020

Loan Portfolio and Credit

13 Loan Portfolio – Geographic Distribution At December 31, 2020 NY Tri-State Area 24% FL 38%Other 38% CA 31% NY 22%FL 11% Other 36% NY 36% FL 53% Other 11% Commercial (1) Residential CRE (1) Includes PPP, MWL, BFG and Pinnacle

14 ($ in millions) Loan Portfolio – Granular, Diversified Commercial & Industrial Portfolio At December 31, 2020 • Includes $2 billion of owner-occupied real estate • Some key observations: • Educational services – well established private colleges, universities and high schools • Transportation and warehousing – cruise lines, aviation authorities, logistics • Health care – larger physician practice management companies, HMO’s, mental health & substance abuse; no small practices • Arts and entertainment – stadiums, professional sports teams, gaming • Accommodation and food services – time share, direct food services businesses and concessionaires (1) Excludes PPP loans Industry Balance (1) Commitment % of Portfolio Finance and Insurance $1,054 $1,775 16.4% Educational Services 654 696 10.1% Wholesale Trade 652 1,022 10.1% Transportation and Warehousing 472 594 7.3% Health Care and Social Assistance 443 610 6.9% Manufacturing 343 460 5.3% Information 330 515 5.1% Real Estate and Rental and Leasing 309 497 4.8% Accommodation and Food Services 300 400 4.7% Retail Trade 298 416 4.6% Professional, Scientific, and Technical Services 273 361 4.2% Construction 252 431 3.9% Public Administration 238 254 3.7% Other Services (except Public Administration) 230 280 3.6% Administrative and Support and Waste Management 199 263 3.1% Arts, Entertainment, and Recreation 186 232 2.9% Utilities 174 228 2.7% Other 41 52 0.6% $6,448 $9,086 100.0%

15 • Commercial real estate loans are secured by income-producing, non-owner occupied properties, typically with well capitalized middle market sponsors • 74% of the CRE portfolio, 79% of the retail segment and 55% of the hotel segment have LTVs less than 65% • Construction and land loans, included in the table above by property type, represent only 1% of the total loan portfolio. • Average rent collections for the fourth quarter, based on a sample of borrowers: • Office – 90% NY, 97% FL • Multi-family – 90% NY, 96% FL • Retail – 94% NY, 98% FL • Hotel occupancy – averaging 46% in Florida, over 50% for December. • NY commercial Real Estate portfolio contains $264 million of mixed-used properties; $194 million included in the table above in multi-family, $51 million in retail and $19 million in office ($ in millions) Loan Portfolio – Commercial Real Estate by Property Type At December 31, 2020 Property Type Balance FL NY Other Wtd. Avg. DSCR Wtd. Avg. LTV Non- Performing Office 2,117$ 60% 24% 16% 2.24 58.7% 9$ Multifamily 1,800 31% 62% 7% 1.62 57.5% 24 Retail 1,369 52% 40% 8% 1.39 61.0% 17 Warehouse/Industrial 841 64% 19% 17% 2.34 56.4% - Hotel 622 74% 16% 10% 1.13 64.5% 35 Other 147 82% 11% 7% 1.79 54.1% 7 6,896$ 53% 36% 11% 1.81 59.0% 92$

16 • Loans subject to COVID related deferral or modification under the CARES Act totaled $794 million or 3% of the total loan portfolio at December 31, 2020. By comparison, at the end of Q2, we reported that we had granted 90-day payment deferrals on $3.6 billion of loans or 15% of the total loan portfolio. • Commercial CARES Act modifications are most often 9 to 12-month interest only periods. • Commercial deferrals remained consistent quarter over quarter at 4% of the commercial portfolio • Residential deferrals and modifications declined to 2% of the residential portfolio at December 31, 2020 from 8% at September 30 ($ in millions) Loan Portfolio – Deferrals and Modifications At December 31, 2020 Residential – Excluding Government Insured (1) Includes $23 million of loans continuing to make payments. Through December 31, 2020, a total of $525 million of residential loans, excluding government insured loans, had been granted an initial short-term payment deferral. The status of those loans at December 31, 2020 is presented in the table below: Loans Still Under Short-Term Deferral Loans That Have Rolled Off of Short-Term Deferral Paying as Agreed Not Resumed Regular Payments Balance % of Loans Initially Granted Short-Term Deferral (1) Balance % of Loans Rolled Off Short-Term Deferral Balance % of Loans Rolled Off Short-Term Deferral $144 27% $362 95% $19 5% Currently Under Short-Term Deferral CARES Act Modifications Total % of Portfolio Residential - excluding government insured $ 144 $ 12 $ 156 2% CRE - Property Type: Retail $ 29 $ 19 $ 48 4% Hotel 1 343 344 55% Office - 48 48 2% Multifamily - 16 16 1% Other 2 - 2 1% Total CRE $ 32 $ 426 $ 458 7% C&I - Industry: Accomm. and Food Services $ - $ 15 $ 15 5% Retail Trade 1 17 18 6% Manufacturing 2 11 13 4% Transportation and Warehousing (cruise lines) - 48 48 10% Finance and Insurance - 18 18 2% Other 7 15 22 1% Total C&I $ 10 $ 124 $ 134 2% BFG - Franchise $ 21 $ 25 $ 46 8% Total Commercial $ 63 $ 575 $ 638 4% Total Loans $ 207 $ 587 $ 794 3% % of Total Loans <1% 2% 3%

17 Loan Portfolio – Segments Identified for Heightened Monitoring At December 31, 2020 Moderate exposure to sectors most impacted by the pandemic ($ in millions) • 79% of commercial loans deferred or modified and 55% of criticized and classified assets are in these sub- segments Portfolio Balance % of Total Loans Short-Term Deferral or CARES Modification % of Portfolio Segment Non-Performing Loans Special Mention Classified Retail - CRE 1,369$ 6% 48$ 4% 17$ 87$ 301$ Retail - C&I 298 1% 18 6% 8 12 50 BFG - franchise finance 550 2% 46 8% 45 72 287 Hotel 622 3% 344 55% 35 69 440 Airlines and aviation authorities 120 1% - - - 35 43 Cruise line 71 - 48 67% - - 71 Total 3,030$ 13% 504$ 17% 105$ 275$ 1,192$

18 Loan Portfolio – Retail At December 31, 2020 ($ in millions) • No significant mall or “big box” exposure • $46 million and $19 million of Retail-Unanchored and Retail- Anchored, respectively, are mixed-used properties Retail - Commercial Real Estate Retail – Commercial & Industrial Property Type Balance Currently Under Short- Term Deferral CARES Act Modification Retail - Anchored 699$ -$ 6$ Retail - Unanchored 615 24 13 Construction to Perm 24 - - Gas station 24 - - Restaurant 7 5 - 1,369$ 29$ 19$ Industry Not Secured by Real Estate Owner Occupied Real Estate Total Balance Currently Under Short- Term Deferral CARES Act Modification Gasoline Stations 1$ 86$ 87$ -$ -$ Health and Personal Care Stores 18 6 24 - 17 Furniture Stores 17 6 23 - - Vending Machine Operators 20 1 21 - - Specialty Food Stores 1 18 19 - - Grocery Stores 1 17 18 - - Automobile Dealers 7 7 14 - - Clothing Stores 1 11 12 - - Office Supplies, Stationery, and Gift Stores 11 1 12 - - Other 19 49 68 1 - 96$ 202$ 298$ 1$ 17$

19 Loan Portfolio – BFG Franchise Finance At December 31, 2020 ($ in millions) Portfolio Breakdown by Concept CA 19% FL 8% TX 7% UT 6% Other 60% Portfolio Breakdown by Geography Restaurant Concepts Balance % of BFG Franchise Currently Under Short- Term Deferral CARES Act Modifications Burger King 63$ 11% -$ -$ Dunkin Donuts 28 5% - - Popeyes 28 5% - - Jimmy John's 20 4% - - Domino's 18 3% - - Other 170 32% - - 327$ 60% -$ -$ Non-Restaurant Concept Balance % of BFG Franchise Currently Under Short- Term Deferral CARES Act Modifications Planet Fitness 98$ 18% -$ 25$ Orange Theory Fitness 85 15% 19 - Other 40 7% 2 - 223$ 40% 21$ 25$

20 Loan Portfolio – Hotel At December 31, 2020 ($ in millions) • 74% of our exposure is in Florida, followed by 16% in New York • Includes $61.8 million in SBA loans • All hotel properties in Florida and two of three properties in New York are now open Exposure by Flag Marriott $171 28% Independent $162 26% Hilton $86 14% IHG $59 9% Sheraton $39 6% Other $105 17% Total Portfolio: $622mm

High quality residential portfolio consists of primarily prime jumbo mortgages with de-minimis charge-offs since inception as well as fully government insured assets 21(1) Excludes government insured residential loans. FICOs are refreshed routinely. LTVs are typically based on valuation at origination. Credit Quality – Residential At December 31, 2020 Breakdown by LTV(1) More than 80% 3% 71% - 80% 41% 61% - 70% 24% 60% or less 32% <720 or NA 11% 720-759 19% >759 70% FICO Distribution(1) Breakdown by Vintage(1) 2020 23% 2019 13% 2018 8%2017 12% 2016 15% Prior 29%

22 Asset Quality Metrics 0.59% 0.88% 0.85% 0.86% 0.84% 1.02% 0.51% 0.68% 0.64% 0.67% 0.66% 0.80% 0.00% 0.25% 0.50% 0.75% 1.00% 1.25% Dec 18 Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Incl. guaranteed portion of non-accrual SBA loans Excl. guaranteed portion of non-accrual SBA loans Non-performing Loans to Total Loans Non-performing Assets to Total Assets Net Charge-offs to Average Loans(1) 0.43% 0.63% 0.61% 0.60% 0.58% 0.71% 0.37% 0.49% 0.46% 0.47% 0.46% 0.56% 0.00% 0.25% 0.50% 0.75% 1.00% Dec 18 Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Incl. guaranteed portion of non-accrual SBA loans Excl. guaranteed portion of non-accrual SBA loans 0.28% 0.05% 0.13% 0.20% 0.25% 0.26% 0.00% 0.20% 0.40% 0.60% Dec 18 Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 (1) YTD net charge-offs, annualized at September 30, 2020, June 30, 2020 and March 31, 2020.

23 Non-Performing Loans by Portfolio Segment ($ in thousands) (1) Includes the guaranteed portion of non-accrual SBA loans totaling $51.3 million, $43.6 million, $45.7 million, $49.1 million, $45.7 million and $17.8 at December 31, 2020, September 30, 2020, June 30, 2020, March 31, 2020, December 31, 2019 and December 31, 2018, respectively. $7,254 $18,894 $16,956 $13,183 $12,120 $28,828 $11,928 $17,997 $11,202 $21,748 $30,941 $36,557 $25,560 $6,138 $6,011 $6,011 $24,090 $28,309 $65,296 $51,130 $65,588 $65,248 $42,824 $17,424 $20,939 $11,561 $1,148 $5,308 $13,631 $37,635 $32,857 $32,762 $45,028 $34,108 $61,892 $63,726 $63,713 $59,233 $67,126 $129,891 $204,787 $198,221 $204,248 $200,304 $244,453 12/31/2018 12/31/2019 3/31/2020 6/30/2020 9/30/2020 12/31/2020 Residential CRE Multifamily C&I Equipment Franchise SBA(1)

24 (1) Substandard non-accruing and doubtful includes $11.7 million of loans rated doubtful at December 31, 2020. (2) Substandard non-accruing and doubtful includes $0.2 million of loans rated doubtful at December 31, 2020. (3) Includes the guaranteed portion of non-accrual SBA loans totaling $51.3 million, $43.6 million, $45.7 million, $49.1 million, $45.7 million and $17.8 at December 31, 2020, September 30, 2020, June 30, 2020, March 31, 2020, December 31, 2019 and December 2018, respectively. Criticized and Classified Loans ($ in millions) $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 Commercial Real Estate Commercial & Industrial (2) Franchise Finance(1) Equipment Finance SBA(3) $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000

25 Criticized and Classified - CRE by Property Type ($ in millions) $0 $50 $100 $150 $200 $250 $300 $350 $400 $450 Warehouse/Industrial Hotel Other $0 $50 $100 $150 $200 $250 $300 $350 $400 $450 $0 $50 $100 $150 $200 $250 $300 $350 $400 $450 Office Multifamily Retail $0 $50 $100 $150 $200 $250 $300 $350 $400 $450 $0 $50 $100 $150 $200 $250 $300 $350 $400 $450 $0 $50 $100 $150 $200 $250 $300 $350 $400 $450

26 Criticized and Classified – BFG Franchise Finance ($ in millions) $0 $20 $40 $60 $80 $100 $120 $140 $160 12/31/18 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 $0 $20 $40 $60 $80 $100 $120 $140 $160 12/31/18 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 Restaurant Concepts (1) Fitness Concepts $0 $20 $40 $60 $80 $100 $120 $140 $160 12/31/18 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 Other (1) Substandard non-accruing and doubtful includes $11.7 million of loans rated doubtful at December 31, 2020.

27 Asset Quality - Delinquencies ($ in millions) Commercial Residential (2) $0 $20 $40 $60 $80 $100 $120 $140 12/31/18 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 $0 $20 $40 $60 $80 $100 $120 $140 12/31/18 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 (1) (1) Increase in 60-89 Days PD at 9/30/20 impacted by $70MM of In Process CARES Act Modifications. (2) Excludes government insured residential loans. $0 $20 $40 $60 $80 $100 $120 $140 12/31/18 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 CRE (1)

Investment Portfolio

29 Investment Securities AFS ($ in thousands) The AFS debt securities portfolio of $9.1 billion was in a net unrealized gain position of $85.6 million at December 31, 2020 Portfolio Composition Ratings Distribution Gov 36% AAA 56% AA 5% A 2% NR 1% US Government and agency 35% Private label RMBS and CMOs 11% Private label CMBS 28% Residential real estate lease-backed securities 7% CLOs 13% State and Municipal Obligations 3% Other 3% Portfolio Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) Fair Value US Government and agency 10,516$ 2,826,207$ (23,649)$ 2,893,932$ 22,342$ 3,174,959$ 23,752$ 2,944,924$ Private label RMBS and CMOs 10,840 1,012,177 (11,659) 1,173,880 17,135 1,167,706 15,713 998,603 Private label CMBS 5,456 1,724,684 (123,796) 1,604,814 (1,859) 2,440,550 12,083 2,526,354 Residential real estate lease-backed securities 2,566 470,025 (21,188) 528,793 13,745 768,898 14,819 650,888 CLOs (7,539) 1,197,366 (74,676) 1,094,793 (16,010) 1,142,404 (8,449) 1,140,274 State and Municipal Obligations 15,774 273,302 15,431 271,033 19,962 242,921 21,966 235,709 Other 733 194,904 (10,283) 255,161 6,660 251,839 5,755 565,657 Total 38,346$ 7,698,665$ (249,820)$ 7,822,406$ 61,975$ 9,189,277$ 85,639$ 9,062,409$ December 31, 2019 March 31, 2020 September 30, 2020 December 31, 2020

30 Investment Securities – Asset Quality of Select Non-Agency Securities At December 31, 2020 Strong credit enhancement levels on CLOs and CMBS Collateralized Loan Obligations (CLOs) Private Label Commercial Mortgage-Backed Securities (CMBS) AAA 84% AA 13% A 3% AAA 90% AA 7% A 3% Wtd. Avg. Rating Min Max Avg Stress Scenario Loss AAA 36.0 48.4 43.3 20.4 AA 26.9 40.7 32.5 23.0 A 24.5 29.9 26.5 23.0 Wtd. Avg. 34.5 46.8 41.3 20.8 Subordination Wtd. Avg. Rating Min Max Avg Stress Scenario Loss AAA 27.9 96.3 41.9 12.0 AA 19.1 52.2 34.5 11.2 A 21.5 80.9 38.0 10.9 Wtd. Avg. 27.1 92.7 41.3 11.9 Subordination

Non-GAAP Financial Measures

32 Non-GAAP Financial Measures

33 Non-GAAP Financial Measures (continued)