A n I n te r n a ti o n a l A l t e r n a t i v e A s s e t M a n a g e r FOURTH QUARTER 2025 INVESTOR PRESENTATION TRINITYCAPITAL.COM NASDAQ: TRIN FORWARD-LOOKING STATEMENTS | DISCLAIMER Trinity Capital Inc. (the "Company") cautions that this presentation may contain forward-looking statements that are based on current expectations and assumptions about future events, and which are not based in historical fact. The forward-looking statements in this presentation are based on current conditions as of the da ...

U.S. companies borrowed 5.9% more to finance equipment purchases in December than a year earlier, reaching the second-highest level ever, the Equipment Leasing and Finance Association said on Monday. ...

Core Insights - LLC loans provide various options for businesses, with legal protections against personal liability, although personal guarantees are often required from majority owners [1][6]. Loan Types - Traditional lenders prefer borrowers with good credit scores (670 or higher), but options like SBA loans may be available for scores as low as 640 [2]. - Alternative lenders may accept credit scores in the 600 range, but with higher borrowing costs [2]. - LLC loans can be utilized for various purposes, including working capital, equipment purchases, and marketing [7]. Loan Application Process - The application process for LLC loans varies by lender but generally includes submitting personal and business credit information, income history, and collateral [4][5]. - Lenders typically require good personal and business credit scores, qualifying income history, and collateral [5]. Loan Types and Features - Term loans provide a lump sum that is repaid over a set period, typically five years or more [8]. - Lines of credit function similarly to credit cards but usually offer higher limits and flexible borrowing [11]. - SBA 7(a) loans are backed by the U.S. Small Business Administration, offering both secured and unsecured options [12]. - Equipment financing is specifically for purchasing equipment and is secured by the equipment itself [18]. - Invoice factoring allows businesses to convert unpaid invoices into immediate cash, with upfront payments ranging from 70% to 90% of invoice value [19]. Financial Considerations - Businesses should calculate how much debt they can afford using metrics like debt-to-income ratio (DTI) and debt service coverage ratio (DSCR) [28]. - Lenders prefer a DTI of 36% or less and a DSCR of at least 1.25 [28]. - Common fees associated with LLC loans include origination fees (1% to 5%), late payment fees, and early repayment penalties [38]. Alternatives to LLC Loans - If LLC loans are not suitable, businesses can consider alternatives such as business grants, crowdfunding, or business credit cards [41].

4Q and Full Year 2025 Earnings Presentation January 22, 2026 FORWARD-LOOKING STATEMENTS This presentation and statements by our management may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include, without limitation, statements regarding our acquisition of Sandy Spring Bancorp, Inc. ("Sandy Spring") and expectations with regard to the benefits of the Sandy Spring acquisition, statements rega ...

Core Viewpoint - Horizon Bancorp, Inc. will host a conference call on January 22, 2026, to discuss its fourth quarter 2025 financial results, with the news release published on January 21, 2026 [1] Group 1: Conference Call Details - The conference call is scheduled for 7:30 a.m. CT (8:30 a.m. ET) on January 22, 2026, with access numbers provided for participants from the U.S., Canada, and international locations [2] - A telephone replay of the call will be available approximately one hour after the conference call ends, lasting until January 30, 2026, with specific access numbers for the U.S., Canada, and international callers [3] Group 2: Company Overview - Horizon Bancorp, Inc. is a commercial bank holding company with assets of $6.7 billion as of September 30, 2025, serving customers in Midwestern markets through digital tools and physical branches in Indiana and Michigan [4] - The company offers a range of retail banking services, including residential and secured consumer lending, personal banking, wealth management, business banking, treasury management, and equipment financing, with commercial lending making up over half of total loans [4]

Core Viewpoint - U.S. companies experienced a 4.4% decrease in borrowing for equipment investments in November compared to the same month last year, as reported by the Equipment Leasing and Finance Association (ELFA) [1] Summary by Category Borrowing Trends - The decline in borrowing indicates a potential slowdown in capital expenditures among U.S. companies, reflecting cautious investment behavior in the current economic climate [1]

Company Overview - Customers Bancorp reported a revenue of $719.93 million and a net income of $162.36 million for the trailing twelve months (TTM) [4] - The company has a dividend yield of none and a one-year price change of 22.84% as of November 25, 2025 [4] - The bank focuses on providing financial products and services to small and mid-sized businesses as well as individual consumers across various states [7][8] Insider Transaction - Jay S. Sidhu, Chairman & CEO, sold 7,479 shares in an open-market transaction valued at approximately $523,947.33 on November 25, 2025 [2][9] - Post-transaction, Sidhu retains 918,216 shares valued at about $63.7 million [2][6] - This sale represents approximately 0.81% of Sidhu's direct ownership prior to the transaction, which is significantly lower than the recent median sell trade of 4.23% for insiders [6] Stock Performance - Customers Bancorp shares achieved a total return of 22.84% over the prior twelve months, with the stock priced at $69.33 at the market close on the transaction date [6][10] - Following the sale, the stock reached a 52-week high of $72.83, indicating favorable timing for the transaction [9] Financial Performance - The company's third-quarter net income available to common shareholders was $73.7 million, a substantial increase from $42.9 million in the previous year [10] - The diluted earnings per share (EPS) for Q3 was reported at $2.20, up from $1.31 in 2024, reflecting strong growth [10]

Core Points - Atlantic Union Bankshares Corporation will host an investor day on December 10, 2025, at the New York Stock Exchange, focusing on the company's strategic priorities and future plans [1][2] - The event will feature presentations from key executives, including President and CEO John Asbury, CFO Rob Gorman, and President and COO Maria Tedesco [1] - Attendees can participate either in person or virtually, with pre-registration required for in-person attendance [2] Company Overview - Atlantic Union Bankshares Corporation is headquartered in Richmond, Virginia, and operates as the holding company for Atlantic Union Bank [3] - The bank has branches and ATMs in Virginia, Maryland, North Carolina, and Washington D.C., and offers various non-bank financial services through its affiliates [3]

Core Insights - Canadian Western Bank (CWB) is a regional bank focused on commercial banking and specialty finance, emphasizing relationship banking with small- and medium-sized enterprises (SMEs) [1][2][17] - The bank operates primarily in Western Canada, offering a mix of traditional deposit-taking, commercial lending, and niche specialty financing [1][2][17] - CWB's strategy includes wealth management and technology-enabled service delivery, enhancing client engagement and operational efficiency [1][2][17] Business Model and Operations - CWB provides a comprehensive range of services, including business banking, retail banking, equipment financing, commercial real estate, and wealth management [2][3][17] - The bank's operational segments include commercial banking, specialty finance, and wealth management, allowing for diversified revenue streams [17][19] - CWB's client-focused approach integrates various financial products to support the lifecycle of business clients, as illustrated by real-world examples [4][19] Financial Performance - CWB's market capitalization typically falls within the multi-billion CAD range, with revenue generated from interest margins and fees [10][11] - The bank's net income is influenced by loan portfolio performance and credit provisioning, with analysts monitoring key metrics such as net interest margin (NIM) and loan growth [10][12] - Dividend policy balances shareholder distributions with capital retention, reflecting a moderate yield that varies based on market conditions [12][16] Competitive Positioning - CWB occupies a niche between larger national banks and smaller credit unions, focusing on specialized commercial expertise and relationship-driven deposit flows [7][20] - The bank's competitive advantage lies in its tailored relationship model and expertise in sectors like equipment and real estate financing [20][21] - CWB's operational mix, including integrated wealth services, provides resilience against economic cycles and enhances revenue stability [21] Historical Development and Leadership - Founded in 1984, CWB has evolved from a regional commercial bank to a multi-segment financial services provider, expanding its product capabilities and geographic reach [22][25] - The leadership team emphasizes prudent credit underwriting and targeted growth, with a focus on maintaining capital adequacy and managing risks [27][28] - Management's strategies are informed by historical performance during economic shifts, ensuring a disciplined approach to credit and growth [28] Market Position and Index Membership - CWB is listed on the Toronto Stock Exchange (TSX) and is included in major Canadian indices, which enhances its liquidity and visibility among investors [29][30] - The bank's mid-cap status allows for comparative analysis against national peers, with analysts using valuation metrics to assess its market position [34][35] - Institutional and retail investors consider factors such as liquidity, dividend stability, and regional economic exposure when evaluating CWB [35]

Financial Performance - Q2 2025 net income available to common shareholders was $16824 thousand, or $0.12 per diluted share[40] - Adjusted operating earnings available to common shareholders increased $836 million to $135145 thousand[43] - Q2 2025 adjusted operating return on tangible common equity was 238%[26] - Q2 2025 adjusted operating return on assets was 146%[26] - Q2 2025 adjusted operating efficiency ratio (FTE) was 4831%[26] Loan and Deposit Growth - Assuming the Sandy Spring acquisition closed on March 31 instead of April 1, and excluding both the loan fair value marks on the acquired loans and the effect of the CRE loan sale transaction, loan growth was approximately 4% annualized in Q2 2025[25] - Paid down approximately $340 million in brokered deposits[25] - At June 30, 2025, loans held for investment totaled $273 billion, an increase of $89 billion from the prior quarter[58] - At June 30, 2025, total deposits were $310 billion, an increase of $105 billion from the prior quarter[58] - Noninterest-bearing demand deposits accounted for 23% of total deposit balances at the end of the second quarter of 2025[58] Asset Quality and Capital - Q2 2025 net charge-offs at 1 basis point of total average loans held for investment annualized[26] - Increased Allowance for Credit Loss to 125% of loans held for investment[26] - Loan/Deposit ratio of 882% at June 30, 2025[25] - Common Equity Tier 1 Ratio (CET1) is 98%[59]