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INVESTOR PRESENTATION June 2025

Safe Harbor 2 This presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect the current views of First Western Financial, Inc.’s (“First Western”) management with respect to, among other things, future events and First Western’s financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “position,” “project,” “future” “forecast,” “goal,” “target,” “would” and “outlook,” or the negative variations of those words or other comparable words of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about First Western’s industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond First Western’s control. Accordingly, First Western cautions you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although First Western believes that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. The following risks and uncertainties, among others, could cause actual results and future events to differ materially from those set forth or contemplated in the forward-looking statements: 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 changes in interest rates could reduce our net interest margins and net interest income; increased credit risk, including as a result of deterioration in economic conditions, could require us to increase our allowance for credit losses and could have a material adverse effect on our results of operations and financial condition; 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 7, 2025 and other documents we file with the SEC from time to time. All subsequent written and oral forward-looking statements attributable to First Western or persons acting on First Western’s behalf are expressly qualified in their entirety by this paragraph. Forward-looking statements speak only as of the date of this presentation. First Western undertakes no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events or otherwise (except as required by law). Certain of the information contained herein may be derived from information provided by industry sources. The Company believes that such information is accurate and the sources from which it has been obtained are reliable; however, the Company cannot guaranty the accuracy of such information and has not independently verified such information. This presentation contains certain non-GAAP financial measures intended to supplement, not substitute for, comparable GAAP measures. Reconciliations of non-GAAP financial measures to GAAP financial measures are provided at the end of this presentation. Numbers in the presentation may not sum due to rounding. Our common stock is not a deposit or savings account. Our common stock is not insured by the Federal Deposit Insurance Corporation or any governmental agency or instrumentality. Except as otherwise indicated, this presentation speaks as of the date hereof. The delivery of this presentation shall not, under any circumstances, create any implication that there has been no change in the affairs of the Company after the date hereof.

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 4 Investment Highlights Successful Execution on Growth Strategies Attractive Markets and Business Model Strong Earnings Momentum • Significant revenue growth driving improved operating leverage and higher profitability since pre-IPO • TBV/share(1) increased ~152% since the IPO • Continued scale expected to drive further leverage and generate returns consistent with a high performing institution over long term • Chairman and CEO has previously built and sold three banks for substantial gains for shareholders • COO has been instrumental in building the MYFW franchise over 18 years at the institution • Highly aligned with shareholder interests as insiders own ~15.5% of total shares outstanding(2) • Discounted valuation trading at 0.93x TBV/share(3) Proven Management Team, High Insider Ownership, and Discounted Valuation • Track record of combining organic growth and market expansion with accretive acquisitions to enhance franchise value • Total assets up 178% since the IPO with substantial increases in revenue and EPS • Strengthening commercial banking platform creating more diverse loan portfolio and lower-cost deposit base • Growing institution operating in high growth markets • Attractive, stable deposit base with noninterest-bearing and money market accounts comprising 79% of total deposits as of 3/31/2025 • Conservative underwriting and affluent client base results in minimal credit losses • Client relationships deepen over time with banking, planning, trust and investment services (1) See Non-GAAP reconciliation (2) Represents beneficial ownership as defined within the April 2025 Proxy Statement (3) As of May 28, 2025

Franchise Overview 6

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 8 Success in Expansion and Acquisition Growth 2006 – 2010 (3) • Boulder, CO • Century City, CA • Scottsdale, AZ 2011 – 2015 (6) • Aspen, CO • DTC/Cherry Hills, CO • Fort Collins, CO • Jackson Hole, WY • Laramie, WY(4) • Phoenix, AZ 2016 – 2020 (4) • Broomfield, CO (2021) • Greenwood Village, CO • Lone Tree, CO(2) • Vail Valley, CO 2002 – 2005 (3) • Cherry Creek, CO • Denver, CO • Northern Colorado, CO 2002 – 2005 (5) • Westcor Insurance Group, Inc. • Poudre River Valley Trust Co. • Sprout & Associates, Inc. • Sterling Partners • Silversmith Financial Corp 2006 – 2010 (4) • Reber/Russell Company • Ryder, Stilwell Inc. • Asset Purchase – Financial Management Advisors, LLC • Asset Purchase – GKM Advisors, LLC 2011 – 2015 (1) • Trust Department Assets – First National Bank of Wyoming 2016 – 2020 (2) • Asset Purchase – EMC Holdings, Inc. • Branch Purchase & Assumption from Simmons Bank O ff ic e O p en in gs A cq u is it io n s 2002 2025 3 5 6 9 12 10 16 12 # #Total Acquisitions Total Offices 19 13 2021 - 2022 (1) • Teton Financial Services, Inc. 2021 - 2024 (7) • Jackson Hole, WY(1) • Pinedale, WY(1) • Rock Springs, WY(1) • Bozeman, MT(5) • Phoenix, AZ(3) • Cheyenne, WY(6) • Loveland, CO(6) (1) Added through the Teton Financial Services, Inc. acquisition. Jackson Hole offices were consolidated in May 2022 (2) Lone Tree office closed in 2Q2022 (3) Phoenix loan production office closed in 1Q2025 (4) Laramie trust office closed 1Q2023 (5) Bozeman office expanded from a loan production office to a full-service office in 3Q2023 (6) Cheyenne and Loveland loan production offices opened in Q32024

Unique Business Model 12

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 • Corporate loans to match specific needs • Well-versed in working with complex cash flows and business models • Customized treasury management products and services 14 Cross-Selling a Diverse Set of Products and Services Commercial Banking • Fiduciary wealth management with expert review of client objectives, creating solutions • Irrevocable life insurance trust, conservatorship, successor trustee, directed custodial trusteeship • WY tax-exempt asset protection, special needs trusts, escrow services, family office services • Provide a broad range of asset and sub asset classes, with automated tax and basis management • Create unique solutions through internal research, proprietary and third-party investment options • Central team creates the platform for Portfolio Managers to service clients, manage accounts • Wealth planning with specialized services (e.g. tax management, philanthropic) • Proprietary ConnectView® approach, with access to CFPs, CPAs and estate planning attorneys • Charitable giving tax strategies, deferred-compensation plans, life insurance, key person insurance • Mortgage banking specializing in purchase money, high net worth lending • Underwritten to Fannie Mae and Freddie Mac guidelines • Targeted portfolio lending and secondary sales • Retirement plan consultants partnering with businesses to sponsor retirement plans • Creative corporate retirement plan design, analysis solutions, fiduciary liability management • ERISA compliance and education Retirement / 401(k) Plan Consulting Residential Mortgage Lending Wealth Planning Investment Management Trust Our local profit centers team with specialized product experts through ConnectView®, with many points of entry

Driving Profitable Growth 19

Recent Financial Trends 21

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 24 Loan Portfolio • Total loans held for investment were flat from prior quarter due to offsetting production and loan payoffs • Total average loans held for investment increased $21.4 million in the quarter • New loan production in 1Q25 of $70.8 million with focus primarily on relationship-based lending • Average rate on new loan production of 6.89% was higher than average rate of loans paying off and accretive to NIM 1Q24 4Q24 1Q25 Cash, Securities and Other $ 151,178 $ 120,005 $ 101,078 Consumer and Other 18,556 17,333 16,688 Construction and Development 333,284 315,686 291,133 1-4 Family Residential 910,129 960,354 971,179 Non-Owner Occupied CRE 562,862 614,384 636,820 Owner Occupied CRE 194,338 173,223 182,417 Commercial and Industrial 297,573 220,501 223,197 Total $ 2,467,920 $ 2,421,486 $ 2,422,512 Loans accounted for at fair value(2) 12,276 7,508 6,280 Total Loans HFI $ 2,480,196 $ 2,428,994 $ 2,428,792 Mortgage loans held for sale 10,470 25,455 10,557 Loans held for sale — 251 — Total Loans $ 2,490,666 $ 2,454,700 $ 2,439,349 (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) $2,510 $2,476 $2,458 $2,421 $2,428 $2,455 $2,439 1Q24 2Q24 3Q24 4Q24 1Q25 4Q24 1Q25 $1,000 $1,500 $2,000 $2,500 $3,000 Average Period End $30.6 $49.5 $82.8 $93.5 $70.8 $100.0 $100.3 $153.8 $97.1 $71.6 Production Loan Payoffs 1Q24 2Q24 3Q24 4Q24 1Q25 $— $50 $100 $150 $200 ($ in millions) ($ in millions, as of quarter end)

Creating Additional Shareholder Value 34

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 37 MYFW: Our Five Core Strengths Differentiated, Proven in the Marketplace Built-in Operating Leverage Highly Desirable Recurring Fee Income Experienced, Tested Team Unique Opportunity for Investors • Niche-focused franchise headquartered in Denver, Colorado • Well-positioned in many attractive markets in Arizona, California, Colorado, Montana, and Wyoming • Specialized central expertise to compete with siloed national, regional firms • Delivered through local, boutique trust banking teams so clients “owned” by MYFW, not associates • Strong profit center margins at maturity, growth opportunities in current and new markets • Revenue growth over long-term in both fee income and net interest income, with neutral balance sheet • Scalable, leverageable high fixed cost, low variable cost Product and Support Centers • Operating expense investment already in place for growth and expansion • Primarily recurring trust and investment management (“TIM”) fees • Low risk, “sticky” wealth/trust business with comprehensive product offering • Multiple entry points with ConnectView® – proprietary review process to service, cross-sell • At critical mass but small market share, many current and new market opportunities • Proven ability to expand: (1) Organically, (2) By expansion and (3) By acquisition • Few large Colorado bank alternatives for investors and clients, creating lift-out opportunities • Attractive revenue and earnings growth story trading at discounted valuation • Executives are major bank/professional firm trained, with deep relationships in communities • Achieved growth through business and economic cycles, capital constraints • Healthy relationship with all regulators with strong risk management culture • CEO with proven track record for creating value in previous bank ownership

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 40 Long-Term Goals to Drive Shareholder Value • Since our pre-2018 IPO status as of year end 2017, we have tripled total loans and total deposits, more than doubled TBV per share, had substantial increases in annual revenue, and demonstrated significant operating leverage. Looking forward we can drive shareholder value by: • Continuing to execute well, creating more operating leverage to drive high performing ROAA and ROAE results • Emphasizing our differentiation in marketplace • Growing through $5 billion in total assets, $25 billion TIM assets through both organic growth and acquisitions, ideally: ◦ ~50 offices – infill and adjacent ◦ Maturing at $8 million in revenue per office through growing 20% ◦ 75% contribution margin per office at maturity, then growing • Building footprint, scale and operating leverage with M&A ◦ Disciplined approach to be significantly earnings accretive with minimal TBV dilution • Enhancing wealth management platform ◦ Upgrade omnichannel client experience ◦ Create new digital distribution channel Our mission is to be the BPBFWWMC – Best Private Bank for the Western Wealth Management Client We believe First Western can be a unique, niche focused regional powerhouse with high fee income and consistent strong earnings from our scalable wealth management platform

Appendix 41

Organizational Overview 42

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 Name Title Joined FW Years in Industry Prior Experience Scott C. Wylie Chairman, CEO & President 2002 35 • Chairman & CEO, Northern Trust Bank of Colorado • Chairman & CEO, Trust Bank of Colorado • CEO, Equitable Bancshares of Colorado and Women’s Bank, Chairman, Equitable Bank • Chairman, American Fundware • President & CEO, Bank and Trust of Puerto Rico • Associate, First Boston Corporation Julie A. Courkamp Chief Operating Officer, MYFW President & COO, FWTB 2006 22 • Executive roles within First Western with responsibility for Accounting & Finance, Risk, Technology, Operations and Human Resources • Assurance services with PricewaterhouseCoopers David R. Weber Chief Financial Officer & Treasurer 2018 15 • Various finance roles at First Western including Finance & Treasury Manager and Director of Finance & Treasury & Cashier of the Bank • Various finance roles at Fifth Third Bank Matt C. Cassell Chief Banking Officer 2020 25 • Colorado Market President, Simmons Bank • President-Colorado, Bank SNB • Market President, Community Banks of Colorado Eric E. Ensmann Chief Risk Officer 2024 30 • Executive roles with BBVA USA, including CRO, Dir. Risk Internal Control/ERM, Chief Credit Policy Officer, Dir. Risk & Portfolio Management • Wells Fargo & Bank of America: Various roles in client facing and underwriting/portfolio management positions 43 Team: Ready to Take MYFW to the Next Level

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 Name Director Since Primary Business Scott C. Wylie 2002 • First Western Financial, Inc. Julie A. Caponi, CPA(1) 2017 • Former Finance Executive at Arconic, Inc. (fka Alcoa Inc.) • Former audit partner at Deloitte • Board member & Audit Committee chair for FCF (NYSE) Julie A. Courkamp 2021 • First Western Financial, Inc. David R. Duncan 2011 • Energy • Winery Executive, Silver Oak Cellars • Entrepreneur, board member, business leader Thomas A. Gart 2013 • Real Estate Developer • Specialty Retail Executive • Family business, PE investing across broad range of industries Patrick H. Hamill 2004 • Real Estate Developer • Home Builder Executive • Entrepreneur, business/community leader, real estate expertise Luke A. Latimer 2015 • Utility Maintenance • Construction Executive • Family business, public bank board Scott C. Mitchell 2021 • President, U.S. Engineering, Metalworks • President of several successful manufacturing companies • Six Sigma Master Black Belt Ellen S. Robinson 2024 • Principal and Founder of the Robinson Coaching Group, Inc • Leadership development and coaching • Professional Coach Certification Mark L. Smith 2002 • Real Estate Developer • Entrepreneur, community leadership, real estate expertise Joseph C. Zimlich, CPA 2004 • Family Office Executive • Corporate leadership, board, and investment management 44 MYFW’s Sophisticated Board of Directors (1) CPA license inactive.

Non-GAAP Reconciliations 45

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 46 Non-GAAP Reconciliation Consolidated Gross Revenue For the Years Ended, (Dollars in thousands) 2020 2021 2022 2023 2024 Total income before non-interest expense $ 92,615 $ 95,408 $ 107,934 $ 82,698 $ 90,071 Less: Unrealized (loss) gain recognized on equity securities 15 (21) 342 (22) (33) Less: Net loss on loans accounted for under the fair value option — — (891) (2,010) (999) Less: Net gain on equity interests — 489 7 — — Less: Net loss on loans held for sale — — (12) (178) (105) Plus: Provision for credit losses 4,682 1,230 3,682 10,355 1,933 Gross revenue $ 97,282 $ 96,170 $ 112,170 $ 95,263 $ 93,141 Consolidated Adjusted Pre-tax, Preprovision Income For the Years Ended, (Dollars in thousands) 2020 2021 2022 2023 2024 Net income before income tax, as reported $ 33,063 $ 27,280 $ 28,828 $ 7,061 $ 11,579 Plus: Provision for credit losses 4,682 1,230 3,682 10,355 1,933 Pre-tax, Pre-provision Income $ 37,745 $ 28,510 $ 32,510 $ 17,416 $ 13,512 Adjusted Diluted Pre-Tax Earnings Per Share For the Years Ended, (Dollars in thousands) 2020 2021 2022 2023 2024 Wealth Management income before income tax $ 12,086 $ 21,378 $ 31,139 $ 9,660 $ 10,629 Mortgage income (loss) before income tax 20,978 5,902 (2,311) (2,599) 950 Plus: Impairment of contingent consideration assets — — — 1,249 338 Less: Income tax expense 8,529 6,670 7,130 1,836 3,106 Adjusted net income available to common shareholders $ 24,535 $ 20,610 $ 21,698 $ 6,474 $ 8,811 Adjusted diluted weighted average shares 7,961,904 8,235,178 9,713,623 9,725,910 9,755,804 Wealth Management Segment Adjusted Diluted Pre-Tax Earnings Per Share $ 1.52 $ 2.60 $ 3.21 $ 1.12 $ 1.12 Consolidated Adjusted Diluted Pre-Tax Earnings Per Share $ 4.15 $ 3.31 $ 2.97 $ 0.85 $ 1.22

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 47 Non-GAAP Reconciliation (1) Represents the percentage of loans to total loans in the respective category. Consolidated Efficiency Ratio For the Years Ended, (Dollars in thousands) 2020 2021 2022 2023 2024 Non-interest expense $ 59,552 $ 68,128 $ 79,106 $ 75,637 $ 78,492 Less: OREO expenses and write-downs 190 — — — 1,285 Adjusted non-interest expense $ 59,362 $ 68,128 $ 79,106 $ 75,637 $ 77,207 Net interest income $ 46,102 $ 56,509 $ 83,204 $ 71,105 $ 64,324 Non-interest income 51,195 40,129 28,412 21,948 27,680 Less: Unrealized (loss)/gain recognized on equity securities 15 (21) 342 (22) (33) Less: Net loss on loans accounted for under the fair value option — — (891) (2,010) (999) Less: Net gain on equity interests — 489 7 — — Less: Net loss on loans held for sale — — (12) (178) (105) Adjusted non-interest income $ 51,180 $ 39,661 $ 28,966 $ 24,158 $ 28,817 Adjusted total income $ 97,282 $ 96,170 $ 112,170 $ 95,263 $ 93,141 Efficiency ratio 61.0 % 70.8 % 70.5 % 79.4 % 82.9 % Allocation of the Allowance for Credit Losses (ACL) As of December 31, 2024 2023 (Dollars in thousands) ACL Amount % of Loans % of ACL %(1) ACL Amount % of Loans % of ACL %(1) Commercial: Construction and Development $ 5,184 1.6 % 28.3 % 13.0 % $ 7,945 2.3 % 33.2 % 13.7 % Non-Owner Occupied CRE 4,340 0.7 % 23.7 % 25.3 % 2,325 0.4 % 9.7 % 21.6 % Owner Occupied CRE 654 0.4 % 3.6 % 7.1 % 1,034 0.5 % 4.3 % 7.8 % Commercial and Industrial 2,357 1.1 % 12.9 % 9.1 % 7,172 2.1 % 30.0 % 13.3 % Total Commercial $ 12,535 1.0 % 68.4 % 54.5 % $ 18,476 1.3 % 77.2 % 56.4 % Consumer: Cash, Securities and Other $ 410 0.3 % 2.2 % 5.0 % $ 961 0.7 % 4.0 % 5.6 % Consumer and Other 185 1.1 % 1.0 % 0.7 % 124 0.5 % 0.5 % 1.1 % 1-4 Family Residential 5,200 0.5 % 28.4 % 39.8 % 4,370 0.5 % 18.3 % 36.9 % Total Consumer $ 5,795 0.5 % 31.6 % 45.5 % $ 5,455 0.5 % 22.8 % 43.6 % Total allowance for credit losses $ 18,330 0.8 % 100 % 100 % $ 23,931 1.0 % 100 % 100 %

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 49 Non-GAAP Reconciliation Consolidated Tangible Common Book Value Per Share As of, (Dollars in thousands) 31-Mar-24 30-Jun-24 30-Sep-24 31-Dec-24 31-Mar-25 Total shareholders' equity $ 245,528 $ 246,875 $ 248,831 $ 252,322 $ 256,555 Goodwill and other intangibles, net 31,797 31,741 31,684 31,627 31,576 Tangible common equity $ 213,731 $ 215,134 $ 217,147 $ 220,695 $ 224,979 Common shares outstanding, end of period 9,621,309 9,660,549 9,664,101 9,667,142 9,704,320 Tangible common book value per share $ 22.21 $ 22.27 $ 22.47 $ 22.83 $ 23.18 Net income available to common shareholders $ 4,185 Return on tangible common equity (annualized) 7.44 % Consolidated Efficiency Ratio For the Three Months Ended, (Dollars in thousands) 31-Mar-24 30-Jun-24 30-Sep-24 31-Dec-24 31-Mar-25 Non-interest expense $ 19,696 $ 19,001 $ 19,368 $ 20,427 $ 19,361 Less: OREO expenses and write-downs — 29 35 1,222 (80) Adjusted non-interest expense $ 19,696 $ 18,972 $ 19,333 $ 19,205 $ 19,441 Net interest income $ 16,070 $ 15,778 $ 15,568 $ 16,908 $ 17,453 Non-interest income 7,277 6,972 6,972 6,459 7,345 Less: Unrealized (loss) gain recognized on equity securities (6) (2) 24 (49) 11 Less: Net (loss) gain on loans accounted for under the fair value option (302) (315) (233) (149) 6 Less: Net gain (loss) on loans held for sale 117 — — (222) 222 Adjusted non-interest income $ 7,468 $ 7,289 $ 7,181 $ 6,879 $ 7,106 Adjusted total income $ 23,538 $ 23,067 $ 22,749 $ 23,787 $ 24,559 Efficiency ratio 83.68 % 82.25 % 84.98 % 80.74 % 79.16 %

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 50 Non-GAAP Reconciliation Wealth Management Gross Revenue For the Three Months Ended, (Dollars in thousands) 31-Mar-24 30-Jun-24 30-Sep-24 31-Dec-24 31-Mar-25 Total income before non-interest expense $ 21,890 $ 18,242 $ 20,296 $ 23,540 $ 23,468 Less: Unrealized (loss) gain recognized on equity securities (6) (2) 24 (49) 11 Less: Net (loss) gain on loans accounted for under the fair value option (302) (315) (233) (149) 6 Less: Net gain (loss) on loans held for sale at fair value 117 — — (222) 222 Plus: Provision for (release of) credit losses 72 2,334 501 (974) 80 Gross revenue $ 22,153 $ 20,893 $ 21,006 $ 22,986 $ 23,309 Mortgage Gross Revenue For the Three Months Ended, (Dollars in thousands) 31-Mar-24 30-Jun-24 30-Sep-24 31-Dec-24 31-Mar-25 Total income before non-interest expense $ 1,385 $ 2,174 $ 1,743 $ 801 $ 1,250 Gross revenue $ 1,385 $ 2,174 $ 1,743 $ 801 $ 1,250 Consolidated Gross Revenue For the Three Months Ended, (Dollars in thousands) 31-Mar-24 30-Jun-24 30-Sep-24 31-Dec-24 31-Mar-25 Total income before non-interest expense $ 23,275 $ 20,416 $ 22,039 $ 24,341 $ 24,718 Less: Unrealized (loss) gain recognized on equity securities (6) (2) 24 (49) 11 Less: Net loss (gain) on loans accounted for under the fair value option (302) (315) (233) (149) 6 Less: Net gain (loss) on loans held for sale at fair value 117 — — (222) 222 Plus: Provision for (release of) credit losses 72 2,334 501 (974) 80 Gross revenue $ 23,538 $ 23,067 $ 22,749 $ 23,787 $ 24,559

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 51 Non-GAAP Reconciliation Pre-tax, Pre-Provision Net Income For the Three Months Ended, (Dollars in thousands) 31-Mar-24 31-Dec-24 31-Mar-25 Income before income taxes $ 3,579 $ 3,914 $ 5,357 Plus: provision for (release of) credit losses 72 (974) 80 Pre-tax, pre-provision net income $ 3,651 $ 2,940 $ 5,437 Allocation of the Allowance for Credit Losses (ACL) As of March 31, 2025 December 31, 2024 (Dollars in thousands) ACL Amount % of Loans % of ACL %(1) ACL Amount % of Loans % of ACL %(1) Commercial: Construction and Development $ 4,299 1.5 % 23.9 % 12.0 % $ 5,184 1.7 % 28.3 % 13.0 % Non-Owner Occupied CRE 4,310 0.7 % 24.0 % 26.2 % 4,340 0.7 % 23.7 % 25.3 % Owner Occupied CRE 915 0.5 % 5.1 % 7.5 % 654 0.4 % 3.6 % 7.1 % Commercial and Industrial 2,569 1.2 % 14.3 % 9.2 % 2,357 1.1 % 12.9 % 9.1 % Total Commercial $ 12,093 0.9 % 67.3 % 54.9 % $ 12,535 1.0 % 68.4 % 54.5 % Consumer: Cash, Securities and Other 391 0.4 % 2.2 % 4.2 % 410 0.3 % 2.2 % 5.0 % Consumer and Other 151 0.9 % 0.8 % 0.7 % 185 1.1 % 1.0 % 0.7 % 1-4 Family Residential 5,321 0.5 % 29.6 % 40.2 % 5,200 0.5 % 28.4 % 39.8 % Total Consumer $ 5,863 0.5 % 32.7 % 45.1 % $ 5,795 0.5 % 31.6 % 45.5 % Total allowance for credit losses $ 17,956 0.7 % 100 % 100 % $ 18,330 0.8 % 100 % 100 % (1) Represents the percentage of loans to total loans in the respective category