Financial Results Second Quarter 2022 Exhibit 99.2

Forward-Looking Statements & Non-GAAP Financial Measures This presentation contains forward-looking statements, 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 “ahead,” “anticipate,” “believe,” “capitalize,” “confidence in,” “continue,” “could,” “designed,” “effort,” “estimate,” “expect,” “growth,” “help,” “hope,” “intend,” “looking forward,” “may,” “opportunities,” “optimistic,” “pending,” “plan,” “position,” “preliminary,” “remain,” “should,” “waiting on,” “well-positioned,” “will,” “working on,” “would” 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: the effects of the COVID-19 global pandemic and other adverse public health developments on the economy, 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 that 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 we own or 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 real estate, commercial and industrial, public finance, SBA, healthcare finance and franchise finance loan portfolios; competition with national, regional and community financial institutions; the loss of any key members of senior management; execution of pending and future acquisition, reorganization or disposition transactions, including without limitation, the related time and costs of implementing such transactions, integrating operations as part of these transactions and possible failures to achieve expected gains, revenue growth and/or expense savings and other anticipated benefits from such transactions; fluctuations in interest rates; 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, average tangible common equity, return on average tangible common equity, total interest income – FTE, adjusted total interest income – FTE, net interest income – FTE, adjusted net interest income, adjusted net interest income – FTE, net interest margin – FTE, adjusted net interest margin, adjusted net interest margin – FTE, provision (benefit) for loan losses, excluding tax refund advance loans, average loans, excluding tax refund advance loans, net charge-offs (recoveries) to average loans, excluding tax refund advance loans, allowance for loan losses to loans, excluding PPP loans, adjusted noninterest income, adjusted noninterest expense, adjusted noninterest expense to average assets, adjusted income before income taxes, adjusted income tax provision, 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 effective income tax rate, income before income taxes, excluding tax refund advance loans, income tax provision, excluding tax refund advance loans and net income, excluding tax refund advance loans 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 2022 Highlights 3 Loans and Deposits  Total portfolio loan balances grew by 7.0% from 1Q22  Most commercial and consumer lines experienced growth in 2Q22  Total non-maturity deposit balances increased 2.6% from 1Q22 while CD and brokered deposit balances decreased 10.2% Profitability and Capital  ROAA of 0.93%, ROAE of 10.23% and ROATCE of 10.36%1  Adjusted ROAA of 1.00%1, adj. ROAE of 11.01%1 and adj. ROATCE of 11.15%1  TCE / TA increased to 8.811%; regulatory capital ratios remained strong  Repurchased 294,464 common shares under authorized repurchase program Key Operating Trends  NIM of 2.60% and FTE NIM of 2.74%, increases of 4 bps & 5 bps, respectively, from 1Q221  Cost of interest-bearing deposits increased 4 bps from 1Q22 to 0.85%  SBA loan sales contributed $2.0 million of fee revenue  Asset quality remained strong with NPAs to total assets of 0.10% Earnings  Diluted EPS of $0.99; adjusted diluted EPS of $1.061  Net income of $9.5 million; adjusted net income of $10.3 million1  Total revenue of $30.0 million 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix

Loan Portfolio Overview  Total loan portfolio balances increased 7.0% from 1Q22 and 4.2% from 2Q21  Commercial loan balances increased $97.7 million, or 4.2%, compared to 1Q22 – Solid growth in franchise finance, public finance, investor commercial real estate, single tenant lease financing and commercial and industrial  Consumer loan balances increased $105.2 million, or 21.5%, compared to 1Q22  1H22 portfolio loan origination yields were up 100 bps year-over-year 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% 10% 9% 10% 16% 16% 11% 8% 7% 10%3% 6%1% 2% 4% 4% 3% 2% 4% 11% 17% 13% 11% 22% 26% 24% 20% 21% 20%38% 34% 34% 31% 30% 29% 2% 2% 2% 4% 6% 7% 9% 7% 6% 6% 6% 4% $2,091.0 $2,716.2 $2,963.5 $3,059.2 $2,887.7 $3,082.1 2017 2018 2019 2020 2021 2Q22 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

Deposit Composition 5 Total Non-Maturity Deposits - $2.1B as of 6/30/222 Dollars in millions Total Deposits - $3.2B as of 6/30/22 Dollars in millions  Total deposits decreased $65.9 million, or 2.0%, compared to 1Q22, and declined 1.7% from 2Q21  Deposits include $194.1 million of BaaS deposits, increasing $144.1 million during 2Q22  CD and brokered deposit balances decreased $119.4 million, or 10.2%, compared to 1Q22  Cost of interest-bearing deposits increased by 4 bps from 1Q22 to 0.85% $126.2 4% $350.6 11% $65.4 2%$522.5 17%$840.9 27% $194.1 6% $1,052.5 34% Noninterest-bearing deposits Interest-bearing demand deposits Savings accounts Money market - Consumer Money market - SMB/Commercial BaaS deposits Certificates and brokered deposits $467.2 22% $141.6 7% $598.3 29% $698.4 33% $194.1 9% Commercial Public funds Small business Consumer BaaS 1 Money market – SMB/Commercial includes small business, commercial, CRE and public institutions 2 Total non-maturity deposits excludes CD and brokered non-maturity deposits and includes approximately $100 million of interest-bearing demand deposits that have a contractual term of five years 1

Net Interest Income and Net Interest Margin  Net interest income on both a GAAP and FTE basis were stable with 1Q22 results  Deployment of cash into loan growth combined with higher yields on securities and cash offset the decline in income from tax refund advance loans  Increase in interest expense on deposits partially offset by a decline in expense related to other borrowed funds 6 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 2 3Q21 FTE Net Interest Income and FTE NIM exclude the impact of $0.8 million in subordinated debt redemption costs Yield on Loans and Cost of Interest-Bearing Deposits Net Interest Margin – GAAP and FTE1 4.10% 4.04% 4.26% 4.52% 4.31% 0.99% 0.90% 0.84% 0.81% 0.85% 2Q21 3Q21 4Q21 1Q22 2Q22 Yield on loans Cost of interest-bearing deposits $21.6 $20.9 $23.5 $25.8 $25.7 $23.0 $23.1 $24.9 $27.1 $27.1 2Q21 3Q21 4Q21 1Q22 2Q22 GAAP FTE 2.11% 2.00% 2.30% 2.56% 2.60% 2.25% 2.21% 2.43% 2.69% 2.74% 2Q21 3Q21 4Q21 1Q22 2Q22 GAAP FTE Net Interest Income – GAAP and FTE1 Dollars in millions 2 2

Net Interest Margin Drivers 7 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 2.25% 2.21%  Linked-quarter FTE NIM increased 5 bps, driven by higher commercial loan and securities yields, partially offset by lower income from tax refund advance loans and higher deposit costs – Yield on loans, excluding tax refund advance loans, increased 7 bps from 1Q22 to 4.29% – Excluding tax refund advance loans, FTE NIM was 2.72%, an increase of 31 bps from 1Q221 – Securities yield increased 33 bps from 1Q22  Deposit costs increased 4 bps from 1Q22 to 85 bps for 2Q22 – Through 2Q22, rates have not been increased on consumer, small business and commercial interest-bearing checking accounts – Cost of money market accounts increased 12 bps during the quarter; all-in cycle-to-date beta on money markets is 25% 0.80% 0.82% 0.80% 0.79% 0.80% 0.96% 0.08% 0.08% 0.33% 0.33% 0.83% 1.58% Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Int. Bearing Deposits Fed Funds Effective +5 bps +4 bps -1 bps 2.69% 2.74%-3 bps

Noninterest Income 8 Dollars in millions Noninterest Income 2Q22 Dollars in millions Noninterest Income 1 Noninterest income includes a $2.5 million gain on sale of premises and equipment; see Reconciliation of Non-GAAP Financial Measures in the Appendix 1  Noninterest income of $4.3 million, compared to $6.8 million in 1Q22 and $9.0 million in 2Q21  Gain on sale of loans of $2.0 million, compared to $3.8 million in 1Q22 and $3.0 million in 2Q21 – SBA gain on sale impacted by timing of loan sales and decline in gain on sale premiums; pipeline for 2H22 is solid  Mortgage banking revenue of $1.7 million, compared to $1.9 million in 1Q22 – Interest rate lock and sold loan volumes impacted by rise in interest rates – Evaluating opportunities to expand origination channels $0.3 $0.2 $1.9 $1.7 $0.2 Service charges and fees Net loan servicing revenue Gain on sale of loans Mortgage banking activities Other $6.4 $7.8 $7.7 $6.8 $4.3 $9.0 2Q21 3Q21 4Q21 1Q22 2Q22 Core Gain on sale of premises and equipment

$15.1 $14.5 $17.0 $18.8 $18.0 2Q21 3Q21 4Q21 1Q22 2Q22 Core Non-core items $16.3 2 Noninterest Expense  Noninterest expense of $18.0 million, compared to $18.8 million in 1Q22 – Higher salaries and employee benefits driven by $0.8 million of nonrecurring items – Professional fees lower due to nonrecurring consulting fees of $0.9 million incurred in 1Q22 – Professional fees also included $0.1 million of acquisition-related expense vs. $0.2 million in 1Q22 – Lower loan expenses due to $0.9 million decline in tax refund advance loan servicing fees  Noninterest expense / average assets remained well below the industry average 9 1 4Q21 noninterest expense includes a $0.5 million IT contract termination fee and $0.2 million of acquisition-related expenses; see Reconciliation of Non-GAAP Financial Measures in the Appendix 2 1Q22 noninterest expense includes $0.9 million of nonrecurring consulting fees and $0.2 million of acquisition-related expenses 3 2Q22 noninterest expense includes a $0.5 million discretionary inflation bonus, $0.3 million of accelerated equity compensation and $0.1 million of acquisition-related expenses Dollars in millions Noninterest Expense Noninterest Expense / Average Assets 1 1.73%1.71% $17.7 3 $16.3 1.55% 1.44% 1.34% 1.61% 1.81% 1.76% 2Q21 3Q21 4Q21 1Q22 2Q22 Core Non-core items 3 1 1.67%1.71%1.55% 2

Asset Quality  Allowance for loan losses to total loans of 0.95% in 2Q22, both including and excluding PPP loans1  Quarterly provision for loan losses was $1.2 million, compared to $0.8 million in 1Q22 and $21,000 in 2Q21  Net charge-offs to average loans of 0.04%, compared to 0.05% in 1Q22 – 2Q22 included $0.4 million of net charge-off related to tax refund advance loans vs. $1.5 million in 1Q221 – Excluding tax refund advance loans, the Company recognized net recoveries to average loans of 0.01% in 2Q22 and 0.16% in 1Q22  Nonperforming loans declined $2.6 million, or 36%, from 1Q22 due mainly to a upgraded C&I relationship and the full payoff of a single tenant lease financing loan 10 0.31% 0.27% 0.26% 0.25% 0.13% 2Q21 3Q21 4Q21 1Q22 2Q22 0.25% 0.21% 0.20% 0.17% 0.10% 2Q21 3Q21 4Q21 1Q22 2Q22 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 2 1Q22 net charge-offs includes a 0.21% impact related to net charge-offs of tax refund advance loans; see Reconciliation of Non-GAAP Financial Measures in the Appendix 3 2Q22 net charge-offs includes a 0.05% impact related to net charge-offs of tax refund advance loans; see Reconciliation of Non-GAAP Financial Measures in the Appendix NPLs / Total Loans NPAs / Total Assets Net Charge-Offs (Recoveries) / Avg. Loans 0.35% 0.01% -0.01% 0.05% 0.04% 2Q21 3Q21 4Q21 1Q22 2Q22 2 3

Capital  Tangible common equity to tangible assets increased 4 bps to 8.81%1 from 1Q22  Tangible book value per share of $38.35, up 0.4% from 1Q221 and 6.8% from 2Q211  Repurchased 294,464 shares at an average price per share of $37.77 during 2Q22  Since 4Q21, 498,167 shares have been purchased at an average price per share of $41.50, or $20.7 million in the aggregate 11 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 8.91% 10.50% Tangible common equity to tangible assets1 8.81% 10.40% Tier 1 leverage ratio 9.45% 11.03% Common equity tier 1 capital ratio 12.55% 14.67% Tier 1 capital ratio 12.55% 14.67% Total risk-based capital ratio 16.85% 15.61% $22.24 $23.04 $26.09 $27.93 $30.82 $33.29 $38.51 $38.35 2015 2016 2017 2018 2019 2020 2021 2Q22 Tangible Book Value Per Share1 Regulatory Capital Ratios – June 30, 20222

Positioned for an Increasing Interest Rate Cycle  Improved deposit composition – Larger percentage of non-maturity deposits compared to the beginning of the last rate tightening cycle – Cycle-to-date betas on non-maturity products have been much lower than previous cycles • Consumer money market: 33% • SMB/commercial money market (>60% of MMDA balances): 20% • No rate increases cycle-to-date on interest-bearing checking and regular savings accounts – Fintech/BaaS initiatives expected to bring funding diversification with lower-cost deposit platforms  Greater revenue diversification – Investments in SBA and mortgage technology have led to a higher proportion of noninterest income to total revenue – Fintech/BaaS initiatives expected to further increase the proportion of noninterest income to total revenue  Increased focus on higher-yielding variable rate and short duration loan originations – Construction and retained SBA balances have been increasing relative to total loans – Option to retain guaranteed balance of high-yielding SBA originations – Longer duration commercial originations have been higher yielding 12 12/31/2016 8% 25% 67% Deposit Composition 15% 46%6% 33% DDA MMDA & Savings BaaS Deposits CD & Brokered Deposits 6/30/2022 Total Revenue Composition 84% 16% 78% 22% TTM 6/30/20222017 Net Interest Income Noninterest Income

22% 21% 17% 9% 7% 24% Accommodation and Food Services Retail Trade Services Manufacturing Real Estate and Rental and Leasing Other 18% 14% 14% 9% 8% 8% 29% IN IL MI FL CA TX Other Small Business Lending  $102.7 million in balances as of June 30, 2022  Current outstanding balance of $0.2 million under the Paycheck Protection Program – $0.8 million of PPP loans forgiven during 2Q22  SBA sales, credit and operations teams in place to support expanded loan production 1313 1 Excludes PPP loans Managed SBA 7(a) Loans1 Portfolio Mix by State Portfolio Mix by Major Industry

19% 15% 12% 6%5% 4% 3% 36% TX MI CA GA NC IL CT Other Franchise Finance  $168.9 million in balances as of June 30, 2022  Loan portfolio consists of primarily indoor recreation, beauty salons, full and limited service restaurants, and fitness and recreation sports centers  Origination volumes expected to be $250 million in 2022  Average loan size of $998,000. 14 Portfolio Mix by Borrower Use Portfolio Mix by State Portfolio Mix by Brand 34% 22% 12% 10% 10% 3% 9% Indoor Recreation Beauty Salons Limited-Service Restaurants Full-Service Restaurants Fitness and Recreational Sports Centers Other Personal Care Services Other 27% 13% 7% 6%5% 3% 39% Urban Air Adventure Park My Salon Suite Goldfish Swim School Scooter's Coffee F45 Training Crunch Fitness Other 131

38% 22% 20% 10% 5% 3% 2% Land Subdivision Hotels (except Casino Hotels) and Motels Lessors of Nonresidential Buildings Continuing Care Retirement Communities Medicinal and Botanical Manufacturing Assisted Living Facilities Other 65% 18% 12% 5% IN AZ IA OH 58% 23% 19% Commercial Construction/ Development Investor Commercial Real Estate Residential Construction/ Development Construction and Investor Commercial Real Estate  $196.1 million in combined balances as of June 30, 2022  Average current loan balance of $2.4 million for investor CRE  Average commitment sizes for construction – Commercial construction/development: $15.7 million – Residential construction/development: $1.4 million 15 Portfolio by Loan Type Portfolio Mix by State Portfolio Mix by Major Industry  Unfunded commitments as of June 30, 2022 – Commercial construction/development: $139.9 million – Residential construction/development: $70.8 million

Single Tenant Lease Financing  $867.2 million in balances as of June 30, 2022  Long-term financing of single tenant properties occupied by historically strong national and regional tenants  Weighted-average portfolio LTV of 47%  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 27% 20% 20% 11% 7% 6% 6% 3% Quick Service Restaurants Full Service Restaurants Auto Parts/ Repair/Car Wash Convenience/Fuel Pharmacies Specialty Retailers Dollar Stores Other 7% 5% 5% 5% 4% 4% 4% 3% 3% 2% 58% Burger King Red Lobster Wendy's Caliber Collision Dollar General Bob Evans Walgreens ICWG CVS Taco Bell Other 13% 23% 21% 38% 5%

4% 4% 6% 4% 20% 6% 6% 2%2% 1% 3% 42% AAA/Aaa AA+/Aa1 AA/Aa2 AA-/Aa3 A+/A1 A/A2 A-/A3 BBB+/Baa1 BBB/Baa2 BB+/Ba1 BB/Ba2 Non-Rated 31% 14% 13% 9% 8% 6% 5% 3% 2%2% 7% General Obligation Essential use equipment loans Lease rental revenue Utilities Revenue Short term cash flow fin (BAN) - G.O. Public higher ed facilities - Revenue Tax Incremental Financing (TIF) districts Sales tax, food and bev tax, hotel tax Income Tax supported loans Municipally owned health care facilities Other 56% 6% 4% 4% 4% 3% 3% 3% 17% IN OK IA OH MO MI GA MS Other Public Finance  $613.8 million in balances as of June 30, 2022  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

87% 9% 4% Dentists Veterinarians Other79% 16% 4% 1% Practice Refi or Acquisition Owner Occupied CRE Project Equipment and Other Healthcare Finance  $317.2 million in balances as of June 30, 2022  Loan portfolio focused primarily on dental practices with some exposure to veterinary practices and other specialties  Borrowers’ needs include practice finance or acquisition, acquiring or refinancing owner-occupied CRE, equipment purchases and project loans  Average loan size of $533,000  No delinquencies in this portfolio 18 Portfolio Mix by Borrower Use Portfolio Mix by Borrower Portfolio Mix by State 18 30% 11% 5% 4%4% 3% 3% 40% CA TX FL NY AZ WA NJ Other

22% 18% 13% 13% 8% 6% 20% Services Manufacturing Real Estate and Rental and Leasing Construction Retail Trade Wholesale Trade Other 50% 30% 5% 2% 1% 12% IN AZ IL FL OH Other 45% 36% 19% C&I - Term Loans Owner Occupied CRE C&I - Lines of Credit C&I and Owner-Occupied Commercial Real Estate  $171.8 million in combined balances as of June 30, 2022  Current C&I LOC utilization of 39.3%  Average loan sizes  C&I: $692,000  Owner-occupied CRE: $789,000 19 Portfolio by Loan Type Portfolio Mix by State Portfolio Mix by Major Industry 19

Residential Mortgage  $301.1 million in balances as of June 30, 2022 (includes home equity balances)  Direct-to-consumer originations centrally located at corporate headquarters  Focused on high quality borrowers – Average loan size of $180,000 – Average credit score at origination of 750 – Average LTV at origination of 71%  Strong historical credit performance 20 Concentration by State Concentration by Loan Type State Percentage Indiana 61% California 18% Florida 3% New York 2% Georgia 1% All other states 15% National Portfolio with Midwest Concentration 21% 3% 63% 7% 6% Loan Type Percentage Single Family Residential 80% SFR Construction to Permanent 13% Home Equity – LOC 6% Home Equity – Closed End 1% 20

23% 21% 18% 28% 10% Specialty Consumer  $293.0 million in balances as of June 30, 2022  Direct-to-consumer and nationwide dealer network originations  Focused on high quality borrowers – Average credit score at origination of 778 – Average loan size of $23,000  Strong historical credit performance Concentration by State Concentration by Loan Type State Percentage Texas 14% California 11% Florida 6% North Carolina 4% Arizona 4% All other states 61% Geographically Diverse Portfolio Loan Type Percentage Trailers 53% Recreational Vehicles 36% Other consumer 11% 211

22 Appendix

Loan Portfolio Composition 23 1 Includes carrying value adjustments of $35.4 million, $36.4 million, $37.5 million and $42.7 million related to terminated interest rate swaps associated with public finance loans as of June 30, 2022, March 31, 2022, December 31, 2021 and December 31, 2020, respectively, and $21.4 million as of December 31, 2019 related to interest rate swaps associated with public finance loans. Dollars in thousands 2019 2020 2021 1Q22 2Q22 Commercial loans Commercial and industrial 96,420$ 75,387$ 96,008$ 99,808$ 110,540$ Owner-occupied commercial real estate 86,726 89,785 66,732 56,752 61,277 Investor commercial real estate 12,567 13,902 28,019 34,627 52,648 Construction 60,274 110,385 136,619 149,662 143,475 Single tenant lease financing 995,879 950,172 865,854 852,519 867,181 Public finance 687,094 622,257 592,665 587,817 613,759 Healthcare finance 300,612 528,154 387,852 354,574 317,180 Small business lending 46,945 125,589 108,666 97,040 102,724 Franchise finance - - 81,448 107,246 168,942 Total commercial loans 2,286,517 2,515,631 2,363,863 2,340,045 2,437,726 Consumer loans Residential mortgage 313,849 186,787 186,770 191,153 281,124 Home equity 24,306 19,857 17,665 18,100 19,928 Trailers 146,734 144,493 146,267 148,870 154,555 Recreational vehicles 102,702 94,405 90,654 93,458 105,876 Other consumer loans 45,873 36,794 28,557 28,002 32,524 Tax refund advance loans - - - 9,177 - Total consumer loans 633,464 482,336 469,913 488,760 594,007 Net def. loan fees, prem., disc. and other 1 43,566 61,264 53,886 51,975 50,394 Total loans 2,963,547$ 3,059,231$ 2,887,662$ 2,880,780$ 3,082,127$

Reconciliation of Non-GAAP Financial Measures 24 Dollars in thousands 2015 2016 2017 2018 2019 2020 2021 2Q22 Total equity - GAAP $104,330 $153,942 $224,127 $288,735 $304,913 $330,944 $380,338 $365,332 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) (4,687) (4,687) (4,687) Tangible common equity $99,643 $149,255 $219,440 $284,048 $300,226 $326,257 $375,651 $360,645 Common shares outstanding 4,481,347 6,478,050 8,411,077 10,170,778 9,741,800 9,800,569 9,754,455 9,404,000 Book value per common share $23.28 $23.76 $26.65 $28.39 $31.30 $33.77 $38.99 $38.85 Effect of goodwill (1.04) (0.72) (0.56) (0.46) (0.48) (0.48) (0.48) (0.50) Tangible book value per common share $22.24 $23.04 $26.09 $27.93 $30.82 $33.29 $38.51 $38.35

Reconciliation of Non-GAAP Financial Measures 25 Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Total equity - GAAP $358,641 $370,442 $380,338 $374,655 $365,332 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Tangible common equity $353,954 $365,755 $375,651 $369,968 $360,645 Total assets - GAAP $4,204,642 $4,252,292 $4,210,994 $4,225,397 $4,099,806 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Tangible assets $4,199,955 $4,247,605 $4,206,307 $4,220,710 $4,095,119 Common shares outstanding 9,854,153 9,854,153 9,754,455 9,683,727 9,404,000 Book value per common share $36.39 $37.59 $38.99 $38.69 $38.85 Effect of goodwill (0.47) (0.47) (0.48) (0.48) (0.50) Tangible book value per common share $35.92 $37.12 $38.51 $38.21 $38.35 Total shareholders' equity to assets 8.53% 8.71% 9.03% 8.87% 8.91% Effect of goodwill (0.10%) (0.10%) (0.10%) (0.10%) (0.10%) Tangible common equity to tangible assets 8.43% 8.61% 8.93% 8.77% 8.81% Total average equity - GAAP $352,894 $366,187 $376,832 $380,767 $374,274 Adjustments: Average goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Average tangible common equity $348,207 $361,500 $372,145 $376,080 $369,587 Return on average shareholders' equity 14.88% 13.10% 13.14% 11.94% 10.23% Effect of goodwill 0.21% 0.17% 0.16% 0.15% 0.13% Return on average tangible common equity 15.09% 13.27% 13.30% 12.09% 10.36%

Reconciliation of Non-GAAP Financial Measures 26 1 Assuming a 21% tax rate Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Total interest income $33,377 $33,034 $34,192 $36,034 $36,106 Adjustments: Fully-taxable equivalent adjustments 1 1,394 1,356 1,348 1,314 1,377 Total interest income - FTE $34,771 $34,390 $35,540 $37,348 $37,483 Total interest income - FTE $34,771 $34,390 $35,540 $37,348 $37,483 Adjustments: Income from tax refund advance loans - - - (2,864) (149) Adjusted total interest income - FTE $34,771 $34,390 $35,540 $34,484 $37,334 Net interest income $21,607 $20,919 $23,505 $25,750 $25,680 Adjustments: Fully-taxable equivalent adjustments 1 1,394 1,356 1,348 1,314 1,377 Net interest income - FTE $23,001 $22,275 $24,853 $27,064 $27,057 Net interest income $21,607 $20,919 $23,505 $25,750 $25,680 Adjustments: Subordinated debt redemption cost - 810 - - - Income from tax refund advance loans - - - (2,864) (149) Adjusted net interest income $21,607 $21,729 $23,505 $22,886 $25,531 Net interest income $21,607 $20,919 $23,505 $25,750 $25,680 Adjustments: Fully-taxable equivalent adjustments 1 1,394 1,356 1,348 1,314 1,377 Subordinated debt redemption cost - 810 - - - Income from tax refund advance loans - - - (2,864) (149) Adjusted net interest income - FTE $23,001 $23,085 $24,853 $24,200 $26,908 Net interest margin 2.11% 2.00% 2.30% 2.56% 2.60% Adjustments: Effect of fully-taxable equivalent adjustments 1 0.14% 0.13% 0.13% 0.13% 0.14% Net interest margin - FTE 2.25% 2.13% 2.43% 2.69% 2.74%

Reconciliation of Non-GAAP Financial Measures 27 1 Assuming a 21% tax rate Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Net interest margin 2.11% 2.00% 2.30% 2.56% 2.60% Adjustments: Effect of subordinated debt redemption cost 0.00% 0.08% 0.00% 0.00% 0.00% Effect of income from tax refund advance loans 0.00% 0.00% 0.00% (0.28%) (0.02%) Adjusted net interest margin 2.11% 2.08% 2.30% 2.28% 2.58% Net interest margin 2.11% 2.00% 2.30% 2.56% 2.60% Adjustments: Effect of fully-taxable equivalent adjustments 1 0.14% 0.13% 0.13% 0.13% 0.14% Effect of subordinated debt redemption cost 0.00% 0.08% 0.00% 0.00% 0.00% Effect of income from tax refund advance loans 0.00% 0.00% 0.00% (0.28%) (0.02%) Adjusted net interest margin - FTE 2.25% 2.21% 2.43% 2.41% 2.72% Provision (benefit) for loan losses 21$ (29)$ (238)$ 791$ 1,185$ Adjustments: Provision for tax refund advance loans losses - - - (1,842) (18) Provision (benefit) for loan losses, excluding tax refund advance loans 21$ (29)$ (238)$ (1,051)$ 1,167$ Average loans 2,994,356 2,933,654 2,914,858 2,947,924 2,998,144 Adjustments: Average tax refund advance loans - - - (60,499) (3,185) Average loans, excluding tax refund advance loans 2,994,356 2,933,654 2,914,858 2,887,425 2,994,959 Net charge-offs (recoveries) to average loans 0.35% 0.01% (0.01%) 0.05% 0.04% Adjustments: Effect of tax refund advance loans net charge-offs to average loans 0.00% 0.00% 0.00% (0.21%) (0.05%) Net charge-offs (recoveries) to average loans, excluding tax refund advance loans 0.35% 0.01% (0.01%) (0.16%) (0.01%) Allowance for loan losses $28,066 $28,000 $27,841 $28,251 $29,153 Loans $2,957,608 $2,936,148 $2,887,662 $2,880,780 $3,082,127 Adjustments: PPP loans (39,682) (14,981) (3,152) (1,003) (194) Loans, excluding PPP loans $2,917,926 $2,921,167 $2,884,510 $2,879,777 $3,081,933 Allowance for loan losses to loans 0.95% 0.95% 0.96% 0.98% 0.95% Effect of PPP loans 0.01% 0.01% 0.01% 0.00% 0.00% Allowance for loan losses to loans, excluding PPP loans 0.96% 0.96% 0.97% 0.98% 0.95%

Reconciliation of Non-GAAP Financial Measures 28 Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Noninterest income $8,962 $7,813 $7,694 $6,820 $4,314 Adjustments: Gain on sale of premises and equipment (2,523) - - - - Adjusted noninterest income $6,439 $7,813 $7,694 $6,820 $4,314 Noninterest expense $15,075 $14,451 $16,955 $18,780 $17,985 Adjustments: Acquisition-related expenses - - (163) (170) (103) IT termination fee - - (475) - - Nonrecurring consulting fee - - - (875) - Discretionary inflation bonus - - - - (531) Accelerated equity compensation - - - - (289) Adjusted noninterest expense $15,075 $14,451 $16,317 $17,735 $17,062 Noninterest expense to average assets 1.44% 1.34% 1.61% 1.81% 1.76% Effect of acquisition-related expenses 0.00% 0.00% (0.02%) (0.02%) (0.01%) Effect of IT termination fee 0.00% 0.00% (0.04%) 0.00% 0.00% Effect of nonrecurring consulting fee 0.00% 0.00% 0.00% (0.08%) 0.00% Effect of discretionary inflation bonus 0.00% 0.00% 0.00% 0.00% (0.05%) Effect of accelerated equity compensation 0.00% 0.00% 0.00% 0.00% (0.03%) Adjusted noninterest expense to average assets 1.44% 1.34% 1.55% 1.71% 1.67% Income before income taxes - GAAP $15,473 $14,310 $14,482 $12,999 $10,824 Adjustments: Gain on sale of premises and equipment (2,523) - - - - Subordinated debt redemption cost - 810 - - - Acquisition-related expenses - - 163 170 103 IT termination fee - - 475 - - Nonrecurring consulting fee - - - 875 - Discretionary inflation bonus - - - - 531 Accelerated equity compensation - - - - 289 Adjusted income before income taxes $12,950 $15,120 $15,120 $14,044 $11,747

Reconciliation of Non-GAAP Financial Measures 29 1 Assuming a 21% tax rate Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Income tax provision - GAAP 2,377$ 2,220$ 2,004$ 1,790$ 1,279$ Adjustments:1 Gain on sale of premises and equipment (530) - - - - Subordinated debt redemption cost - 170 - - - Acquisition-related expenses - - 34 36 21 IT termination fee - - 100 - - Nonrecurring consulting fee - - - 184 - Discretionary inflation bonus - - - - 112 Accelerated equity compensation - - - - 61 Adjusted income tax provision 1,847$ 2,390$ 2,138$ 2,010$ 1,473$ Net income - GAAP $13,096 $12,090 $12,478 $11,209 $9,545 Adjustments: Gain on sale of premises and equipment (1,993) - - - - Subordinated debt redemption cost - 640 - - - Acquisition-related expenses - - 129 134 82 IT termination fee - - 375 - - Nonrecurring consulting fee - - - 691 - Discretionary inflation bonus - - - - 419 Accelerated equity compensation - - - - 228 Adjusted net income $11,103 $12,730 $12,982 $12,034 $10,274 Diluted average common shares outstanding 9,981,422 9,988,102 9,989,951 9,870,394 9,658,689 Diluted earnings per share - GAAP 1.31$ 1.21$ 1.25$ 1.14$ 0.99$ Adjustments: Effect of gain on sale of premises and equipment (0.20) Effect of subordinated debt redemption cost - 0.06 - - - Effect of acquisition-related expenses - - 0.01 0.01 0.01 Effect of IT termination fee - - 0.04 - - Effect of nonrecurring consulting fee - - - 0.07 - Effect of discretionary inflation bonus - - - - 0.04 Effect of accelerated equity compensation - - - - 0.02 Adjusted diluted earnings per share $1.11 $1.27 $1.30 $1.22 $1.06

Reconciliation of Non-GAAP Financial Measures 30 Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Return on average assets 1.25% 1.12% 1.19% 1.08% 0.93% Effect of gain on sale of premises and equipment (0.19%) 0.00% 0.00% 0.00% 0.00% Effect of subordinated debt redemption cost 0.00% 0.06% 0.00% 0.00% 0.00% Effect of acquisition-related expenses 0.00% 0.00% 0.01% 0.01% 0.01% Effect of IT termination fee 0.00% 0.00% 0.04% 0.00% 0.00% Effect of nonrecurring consulting fee 0.00% 0.00% 0.00% 0.07% 0.00% Effect of discretionary inflation bonus 0.00% 0.00% 0.00% 0.00% 0.04% Effect of accelerated equity compensation 0.00% 0.00% 0.00% 0.00% 0.02% Adjusted return on average assets 1.06% 1.18% 1.24% 1.16% 1.00% Return on average shareholders' equity 14.88% 13.10% 13.14% 11.94% 10.23% Effect of gain on sale of premises and equipment (2.26%) 0.00% 0.00% 0.00% 0.00% Effect of subordinated debt redemption cost 0.00% 0.69% 0.00% 0.00% 0.00% Effect of acquisition-related expenses 0.00% 0.00% 0.14% 0.14% 0.09% Effect of IT termination fee 0.00% 0.00% 0.39% 0.00% 0.00% Effect of nonrecurring consulting fee 0.00% 0.00% 0.00% 0.74% 0.00% Effect of discretionary inflation bonus 0.00% 0.00% 0.00% 0.00% 0.45% Effect of accelerated equity compensation 0.00% 0.00% 0.00% 0.00% 0.24% Adjusted return on average shareholders' equity 12.62% 13.79% 13.67% 12.82% 11.01% Return on average tangible common equity 15.09% 13.27% 13.30% 12.09% 10.36% Effect of gain on sale of premises and equipment (2.30%) 0.00% 0.00% 0.00% 0.00% Effect of subordinated debt redemption cost 0.00% 0.70% 0.00% 0.00% 0.00% Effect of acquisition-related expenses 0.00% 0.00% 0.14% 0.14% 0.09% Effect of IT termination fee 0.00% 0.00% 0.40% 0.00% 0.00% Effect of nonrecurring consulting fee 0.00% 0.00% 0.00% 0.75% 0.00% Effect of discretionary inflation bonus 0.00% 0.00% 0.00% 0.00% 0.45% Effect of accelerated equity compensation 0.00% 0.00% 0.00% 0.00% 0.25% Adjusted return on average tangible common equity 12.79% 13.97% 13.84% 12.98% 11.15% Effective income tax rate 15.4% 15.5% 13.8% 13.8% 11.8% Effect of gain on sale of premises and equipment (1.1%) 0.0% 0.0% 0.0% 0.0% Effect of subordinated debt redemption cost 0.0% 0.3% 0.0% 0.0% 0.0% Effect of acquisition-related expenses 0.0% 0.0% 0.1% 0.3% 0.2% Effect of IT termination fee 0.0% 0.0% 0.2% 0.0% 0.0% Effect of nonrecurring consulting fee 0.0% 0.0% 0.0% 1.3% 0.0% Effect of discretionary inflation bonus 0.0% 0.0% 0.0% 0.0% 1.0% Effect of accelerated equity compensation 0.0% 0.0% 0.0% 0.0% 0.6% Adjusted effective income tax rate 14.3% 15.8% 14.1% 15.4% 13.6%

Reconciliation of Non-GAAP Financial Measures 31 1 Assuming a 21% tax rate Dollars in thousands 2Q21 3Q21 4Q21 1Q22 2Q22 Income before income taxes - GAAP 15,473$ 14,310$ 14,482$ 12,999$ 10,824$ Adjustments: Income from tax refund advance loans - - - (2,864) (149) Provision for tax refund advance loans losses - - - 1,842 18 Tax refund advance loans servicing fee - - - 921 9 Income before income taxes, excluding tax refund advance loans 15,473$ 14,310$ 14,482$ 12,898$ 10,702$ Income tax provision - GAAP 2,377$ 2,220$ 2,004$ 1,790$ 1,279$ Adjustments:1 Income from tax refund advance loans - - - (601) (31) Provision for tax refund advance loans losses - - - 387 4 Tax refund advance loans servicing fee - - - 193 2 Income tax provision, excluding tax refund advance loans 2,377$ 2,220$ 2,004$ 1,769$ 1,254$ Net income - GAAP $13,096 $12,090 $12,478 $11,209 $9,545 Adjustments: Income from tax refund advance loans - - - (2,263) (118) Provision for tax refund advance loans losses - - - 1,455 14 Tax refund advance loans servicing fee - - - 728 7 Net income, excluding tax refund advance loans 13,096$ 12,090$ 12,478$ 11,129$ 9,448$