NASDAQ:SUNS | INVESTOR PRESENTATION A TCG Company Some of the statements contained in this presentation constitute forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995, and we intend such statements to be covered by the safe harbor provisions contained therein. Such forward-looking statements are based on the current intent, belief, expectations and views of future events of Sunrise Realty Trust, Inc. ("SUNS" and the "Company," "we," "us" and "our"). The for ...

Exhibit 99.2 Second Quarter 2025 Earnings Presentation 0 42 65 156 110 2 3 93 109 127 127 127 GENERAL PALETTE 0 42 65 2 87 133 71 126 163 120 163 198 Credit Private Equity Real Estate Secondary Solutions BUSINESS SECTOR PALETTE 192 212 229 Strategic Initiatives Disclaimer Statements included herein may constitute "forward-looking statementsˮ within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934, as amended, which may relate to futur ...

Financial Performance - Net income reached $299 million[20] - Diluted earnings per share (EPS) amounted to $197[20] - The net interest margin stood at 417%[20] - Return on average assets was 151%[10] - Return on average equity was 1550%[10] Balance Sheet & Capitalization - Total assets reached $81 billion[10] - Total gross loans amounted to $56 billion[10] - Total deposits reached $64 billion[10] - The loan-to-deposit ratio was 875%[20,37] - Uninsured deposits represented 307% of total deposits, totaling $196 billion[20,37] - Total risk-based capital ratio was 1526%[20]

Franklin BSP Realty Trust Second Quarter 2025 Supplemental Information Important Information The information herein relates to the Company's business and financial information as of June 30, 2025 and does not reflect subsequent developments. Risk Factors Investing in and owning our common stock involves a high degree of risk. For a discussion of these risks, see the section entitled "Risk Factors" in our Annual Report on Form 10- K filed with the SEC on February 26, 2025, and the risk disclosures in our sub ...

Shares of Franklin Financial Services Corporation (FRAF) have declined 6.2% since reporting results for the second quarter of 2025 on July 22. In contrast, the S&P 500 index has risen 0.9% over the same period. Despite this post-earnings dip, FRAF has seen a significant rally of 23.7% over the past month compared with 3.9% growth in the S&P 500.Robust Y/Y Financial PerformanceFranklin Financial delivered strong second-quarter results, with net income surging 94.8% year over year to $5.9 million, or $1.32 pe ...

Financial Performance - CVB Financial Corp's total assets reached $15.4 billion[4] - Gross loans amounted to $8.4 billion[4] - Total deposits, including repos, totaled $12.4 billion[4] - Total equity stood at $2.2 billion[4] - Q2 2025 net income was $51 million, with earnings per share (EPS) at $0.36[23] - The Return on Average Tangible Common Equity (ROATCE) was 14.08%[23] - The Return on Average Assets (ROAA) was 1.34%[23] - Net Interest Margin (NIM) was 3.31%[23] - Efficiency Ratio was 45.6%[23] Capital and Asset Quality - The CET1 Ratio was 16.5%[23] - The Total Risk-Based Ratio was 17.3%[23] - The Tangible Common Equity Ratio was 10.0%[23] - Non-Performing Assets (NPA) to Total Assets (TA) ratio was 0.17%, with NPAs totaling $26.6 million[23] - Classified loans represented 0.88% of total loans, amounting to $73.4 million[23] - The Allowance for Credit Losses (ACL) was $78 million, or 0.93% of gross loans[23] Funding and Loan Portfolio - Deposits and customer repos increased by $123 million from March 31, 2025[23] - Noninterest deposits accounted for over 60% of total deposits[23] - Loans decreased by $5 million from March 31, 2025[23] - Loans comprised 54% of assets, while securities accounted for 31%[21] - Commercial Real Estate (CRE) loans constituted 78% of the loan portfolio, followed by Commercial & Industrial (C&I) loans at 11%[21]

INVESTMENT GRADE NYSE: LADR SUPPLEMENTAL DATA Totals may not equal the sum of components due to rounding. S -2 SECOND QUARTER 2025 HIGHLIGHTS QUARTER ENDED JUNE 30, 2025 AN INVESTMENT GRADE COMMERCIAL REAL ESTATE FINANCE PLATFORM S -1 NEW YORK | MIAMI DISCLAIMERS This presentation contains forward-looking statements regarding possible or assumed future results of the business, financial condition, plans and objectives of Ladder Capital Corp and its subsidiaries (collectively, "Ladder Capital," "Ladder," "LA ...

Financial Data and Key Metrics Changes - For Q2 2025, the company reported a GAAP net loss of $35 million, or negative $0.53 per share, with a book value per share of $13.84 [3] - The distributable loss was $3 million, primarily due to taking ownership of the West Hollywood property, while prior to realized losses, distributable earnings were $16 million, or $0.24 per share [3][4] - A cash dividend of $0.25 was paid for the second quarter [4] Business Line Data and Key Metrics Changes - Originations in the quarter totaled $211 million, consisting of two loans secured by industrial and multifamily properties [7] - The company had two full repayments and six partial repayments totaling $450 million, with projections of nearly $1 billion in incremental repayments for the second half of the year [7] - The Life Science sector represented 12% of the portfolio, with six assets located in top Life Science markets [10] Market Data and Key Metrics Changes - The real estate credit market has seen a recovery in transaction activity and loan demand, with significant opportunities in the loan pipeline [5] - Competition has returned, with most lenders active in the market, leading to a compression of loan spreads back to pre-tariff levels [21] - The company is diversifying its portfolio geographically into Europe and creating more duration through CMBS investments [8] Company Strategy and Development Direction - The company is focused on diversifying its portfolio and has an active pipeline in the European loan market, anticipating new originations by year-end [8] - The strategy includes a focus on high-quality assets and stabilized properties, with a goal to maximize shareholder value through proactive portfolio management [16][17] - The company is evaluating capital allocation between share buybacks and loan origination, with a robust liquidity position of $757 million available [15][16] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the lending opportunities, citing healthy fundamentals across most property types and a decrease in construction starts, which may lead to stronger rental growth [6] - The management team is actively managing the watch list and REO assets, with plans for condo sellouts and other developments expected to generate capital [11][12] - The company anticipates a more favorable market environment for rental increases and property values due to reduced supply and increased tenant demand [34][68] Other Important Information - The company downgraded a Boston Life Science asset and a Chicago office loan due to market deterioration, with plans to extend the loans [9][10] - The REO portfolio represents approximately $352 million of pro forma equity, which could generate over $0.12 per share per quarter on distributable earnings [14] Q&A Session Summary Question: Can you talk about the level of ROEs and loan spreads in the current market? - Management indicated that the pipeline is robust, with loan spreads compressing back to pre-tariff levels, and ROEs are in the mid-11s to end of the 13s range [19][24] Question: What kind of originations do you expect in the second half? - Management expects to actively originate loans to match the anticipated $1 billion in repayments, with no significant near-term maturities on the radar [25][27] Question: Can you provide insight into the 2026 maturity wall? - Management noted that many maturities are being pulled forward, and they expect to see less credit issues around maturities as the market remains active [31][36] Question: What is the timeline for repatriating capital from the REO portfolio? - Management provided a timeline for various assets, indicating that some could be repatriated within 12 to 18 months, while others may take longer [78][85]

Financial Data and Key Metrics Changes - For Q2 2025, the company reported a GAAP net loss of $35 million, or negative $0.53 per share, with a book value per share of $13.84 as of June 30, 2025 [3] - The distributable loss was $3 million, primarily due to taking ownership of the West Hollywood property, while prior to realized losses, distributable earnings were $16 million, or $0.24 per share [3][4] - A cash dividend of $0.25 was paid for the second quarter [4] Business Line Data and Key Metrics Changes - Originations in the quarter totaled $211 million, consisting of two loans secured by industrial and multifamily properties [7] - The company had two full repayments and six partial repayments totaling $450 million, with projections of nearly $1 billion in incremental repayments over the second half of the year [7] - The company downgraded a Boston Life Science asset from a four-rated loan to a five-rated loan and a Chicago office loan from a three-rated loan to a four-rated loan due to market deterioration [8][9] Market Data and Key Metrics Changes - The real estate credit market has seen a recovery in transaction activity and loan demand, with significant opportunities in the loan pipeline [5] - Competition has returned, with most lenders active in the market, leading to attractive lending opportunities driven by the ability to lend on reset values below replacement costs [6] - The Life Science sector represents 12% of the portfolio, with 60% of the assets being newly constructed and purpose-built properties targeting larger pharmaceutical tenants [10] Company Strategy and Development Direction - The company is focusing on diversifying its portfolio geographically into Europe and creating more duration through CMBS investments [7] - An active pipeline in the European loan market is anticipated, with new originations expected by the end of the year [7] - The company aims to maximize shareholder value through proactive management of the portfolio and capital allocation across share buybacks and loan origination [16] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the lending opportunity remaining highly attractive despite competition, with healthy fundamentals across most property types [6] - The company is closely monitoring leverage ratios and expects to match repayments with new originations [26] - Management noted that many borrowers are pulling financing forward to buy time for asset recovery, indicating a positive outlook for rental increases and property values [33] Other Important Information - The company repurchased $20 million of KREF stock in Q2 at a weighted average price of $9.21, with nearly $40 million repurchased over the last three quarters [15] - At quarter-end, the company had $757 million of liquidity available, including $108 million in cash and $620 million of undrawn corporate revolver capacity [16] Q&A Session Summary Question: Can you talk about the level of ROEs and loan spreads in the current market? - Management indicated that the pipeline is robust, with ROEs in the mid-11s to end of the 13s, and loan spreads have compressed back to pre-tariff levels [20][25] Question: What kind of originations do you expect in the second half? - Management expects to actively originate loans to match the anticipated $1 billion in repayments, with no significant near-term maturities on the radar [26][27] Question: Can you provide insight into the 2026 maturity wall? - Management noted that many maturities are being pulled forward, and they expect less credit issues around maturities as most problems have already surfaced [30][34] Question: How do you differentiate between refinancing and extensions? - The majority of refinancings are new credits, while modifications and extensions are less common, indicating a focus on new opportunities [39] Question: What is the timeline for repatriating capital from the REO portfolio? - Management provided a timeline for various assets, indicating that some could see capital repatriation within 12 to 18 months, while others may take longer [79][87]

Financial Performance - Net income for the second quarter was $15.1 million, a decrease of 14.5% compared to the previous quarter, primarily due to credit loss expense[8, 33] - Preprovision net revenues increased by 3.7%, or $1 million, driven by a 3.7% increase in net interest income and a 4.5% increase in noninterest income[9] - Net interest margin was 3.07%, up from 3.02% in the first quarter[8, 24] - Noninterest expense increased by 4% to $36.3 million, mainly due to a $1.1 million increase in salaries and benefits[43] Loan and Deposit Portfolio - Loan receivables reached $6.31 billion, a slight increase of 0.4% from the end of the first quarter[9] - Deposits totaled $6.73 billion, up 1.7% from the previous quarter, with noninterest-bearing deposits accounting for 31.3% of total deposits[9, 19] - Loan production for the second quarter was $329.6 million, with a weighted average interest rate of 7.10%[9] - The securities portfolio was $994.6 million, representing 13% of assets, with an unrealized loss position of $76.5 million[71] Asset Quality and Capital - Criticized loans decreased significantly by 71.8% to 0.74% of total loans, reflecting $85.3 million in loan upgrades, a $20 million loan payment, and an $8.6 million loan charge-off[9] - Nonaccrual loans fell by 26.8% to 0.41% of total loans, and loan delinquencies declined to 0.17% of total loans[9] - The ratio of tangible common equity to tangible assets was 9.58%, and the common equity tier 1 capital ratio was 12.12%, remaining essentially unchanged from the first quarter[9]