Core Proposal - The Shareholders' Nomination Committee proposes to elect eight members to the Board of Directors of Oma Savings Bank Plc, increasing from seven members in 2025 [1] - Current Board members Juhana Brotherus, Irma Gillberg-Hjelt, Jaakko Ossa, Carl Pettersson, Kati Riikonen, and Juha Volotinen are proposed for re-election [1] - Eeva Ahdekivi and Jens Jensen are proposed as new members of the Board [2] Board Member Details - Eeva Ahdekivi has extensive experience in investment banking and has held various significant roles, including Chief Investment Officer at Solidium and CEO of Hartwall Capital [3] - Jens Jensen is the CEO of Suvia Group Oy and has a background in leading service and insurance operations, previously serving in management positions at several companies [4] Remuneration Proposal - The proposed annual fees for Board members are as follows: Chair of the Board: EUR 85,000, Vice Chair: EUR 60,000, Other members: EUR 40,000 [5] - Additional annual fees for committee chairs are: Remuneration Committee: EUR 6,000, Risk Committee: EUR 9,000, Audit Committee: EUR 9,000 [6] - Meeting fees are proposed at EUR 1,000 for Board and committee meetings, and EUR 500 for email meetings [6] - 25% of annual fees will be paid in shares of Oma Savings Bank Plc, with the remainder in cash, and the company will cover the costs of acquiring shares [6] Additional Information - The Shareholders' Nomination Committee will cover travel expenses and other direct costs related to Board work [7] - The committee is chaired by Raimo Härmä, with members appointed by various savings bank foundations [8] - Oma Savings Bank Plc is a solvent and profitable Finnish bank, providing services through 48 branches and digital channels to over 200,000 customers [9] - The bank focuses on retail banking and aims to provide a premium customer experience through personal service [10]

FirstSun Capital Bancorp NASDAQ: FSUN 4Q2025 Earnings Presentation January 26, 2026 Disclaimers Forward Looking Statements This presentation contains forward-looking information and statements by FirstSun Capital Bancorp (the "Company") within the meaning of the Private Securities Litigation Reform Act of 1995. Forward- looking statements are generally identifiable by the use of words such as "believe", "expect", "anticipate", "plan", "project", "intend", "estimate", "may", "will", "would", "could", "should ...

Core Viewpoint - Oma Savings Bank Plc ("OmaSp") has approved its growth strategy and financial targets for the period 2026–2029, focusing on responsible and profitable growth through personalized service as a competitive advantage [4][8]. Financial Targets - OmaSp aims to pay steady and growing dividends of at least 30% of the net profit for the financial year, with the capacity to pay additional dividends [5]. Strategy Overview - The strategy emphasizes providing the most personalized and seamless banking service in Finland, targeting retail customers and the SME sector [6][7]. - The bank aims to be the primary partner for housing finance, savings, investments, and business solutions [7]. Service and Technology - OmaSp plans to enhance its personal service while leveraging technology and data to improve customer experience [9]. - The strategy includes improving efficiency and harmonizing operations through shared processes and a clear management model, with automation and AI playing key roles [10]. Growth and Recognition Goals - By the end of 2029, OmaSp aims to be recognized as a bank that combines personal service with reliability and efficiency, while also expanding its fee- and commission-based business [12]. Capital Markets Day - OmaSp is planning a Capital Markets Day for investors and analysts on 19 May 2026, where key priorities for the 2026–2029 strategy will be presented [13]. Company Profile - OmaSp is the fastest growing and most profitable bank in Finland, serving over 200,000 customers through 45 branches and digital channels [14]. - The bank focuses on retail banking and offers a wide range of services, including mortgage banking operations [14]. Performance Metrics - Comparable ROE is over 14%, cost-to-income ratio is below 50%, annual growth in fee and commission income is over 10%, and Net Promoter Score is over 50 [16].

Financial Performance - Earnings per share increased to $2.28 in Q3 2025, a 30.4% year-over-year increase[5, 7, 10] - Net income reached $260.5 million in Q3 2025, up 30.4% year-over-year[5, 7, 10] - Net revenue increased to $938.2 million in Q3 2025, compared to $823.1 million in Q3 2024[5, 10] - Pre-provision net revenue (PPNR) was $393.8 million in Q3 2025, a 37.8% year-over-year increase[5, 7, 10] - Adjusted efficiency ratio decreased to 47.8% in Q3 2025, a decrease of 490 bps from Q3 2024[5, 27, 31] - Tangible book value per share increased to $58.56, a 12.7% year-over-year increase[5, 7, 36, 38] Balance Sheet and Loan Portfolio - Total loans reached $56.646 billion in Q3 2025, an increase of $3.3 billion or 6.2% year-over-year[5, 7, 36, 38] - Total deposits increased to $77.247 billion in Q3 2025, an increase of $9.2 billion or 13.5% year-over-year[5, 36, 39] - Securities and cash increased $5.6 billion, or 29.6%, over prior year to $24.6 billion[36, 39] - Non-performing loans (NPLs) to funded HFI loans ratio was 0.92%[5, 7] Asset Quality and Credit Losses - Provision for credit losses increased to $80.0 million, primarily due to a $30 million reserve related to the Cantor Group V loan[5, 9, 13] - Total loan ACL to funded loans ratio increased to 0.85%[5, 9, 59, 64]

Core Insights - Glen Burnie Bancorp reported a net loss of $212,000 for Q2 2025, compared to a net income of $153,000 in Q1 2025 and a net loss of $204,000 in Q2 2024, with a diluted loss per share of $(0.07) [2][19] - Year-to-date, the net loss was $59,000, an improvement from a net loss of $201,000 during the same period in 2024 [3] - The company is focusing on strategic initiatives to increase revenue sources and operational efficiency, despite the current net loss [4] Financial Performance - Net interest income for Q2 2025 was $2.7 million, slightly up from $2.6 million in Q1 2025 but down from $2.8 million in Q2 2024 [11][19] - The net interest margin increased to 3.13% in Q2 2025, up 13 basis points from Q1 2025, driven by improved yields on earning assets [12][21] - Non-interest income rose to $220,000 in Q2 2025 from $205,000 in Q1 2025, but decreased from $241,000 in Q2 2024 [13][19] Loan and Deposit Metrics - Total loans increased by $6.0 million in Q2 2025, reflecting an annualized growth rate of 11.5%, primarily due to growth in commercial real estate and consumer loans [5][7] - Total deposits were $317.3 million as of June 30, 2025, showing modest growth from the previous quarter [8][21] - The non-performing loans ratio was 0.51% as of June 30, 2025, a decrease of 4 basis points from March 31, 2025 [5][22] Strategic Initiatives - The company is implementing cost control measures, including an early retirement program, which resulted in non-recurring expenses of over $280,000 [4][14] - An acquisition of VA Wholesale Mortgage, Inc. is expected to close in August 2025, which will enhance the bank's mortgage banking capabilities [5][10] - A new credit card program was launched in June 2025 to attract new customers and enhance service offerings [5][13] Capital and Liquidity - Regulatory capital ratios remain above the well-capitalized minimum levels, with a Tier I Risk-Based Capital Ratio of 14.91% as of June 30, 2025 [11][22] - The bank maintains strong liquidity with $31.4 million in borrowing capacity from the FHLB and additional access to wholesale funding [10][11] - The allowance for loan losses stood at 1.21% of loans, indicating a conservative approach to credit risk management [6][22]

Financial Performance - Net income for the second quarter of 2025 was $264 million, with diluted earnings per share of $093[16] - The company's return on average assets (ROAA) was 128%, and the pre-tax pre-provision ROAA (PTPP ROAA) was 182% for Q2 2025[16] - Total revenue for Q2 2025 reached $1056 million, a 97% increase compared to Q1[16] - The net interest margin (NIM) remained strong at 407% for Q2 2025[16] - For the first half of 2025, net income was $500 million, with diluted earnings per share of $177[14] - Total revenue for the first half of 2025 was $2018 million, a 63% increase from the same period in 2024[14] Loan and Deposit Trends - Average loan growth was 107% annualized in Q2 2025[16] - Average deposit growth was 183% annualized in Q2 2025[16] - The loan-to-deposit ratio was 916%[16] - Total deposits as of June 30, 2025, were $71 billion[7] - Total loans as of June 30, 2025, were $65 billion[7] Asset Quality - Net charge-offs to average loans were 083% in Q2 2025[16] - Nonperforming loans (NPLs) trended down 30%[55] Capital and Liquidity - The Common Equity Tier 1 (CET1) ratio was 1378%[14] - The company has $35 billion in immediate borrowing availability[64]

Financial Performance - Earnings per share increased to $2.07 in Q2 2025, compared to $1.79 in Q1 2025 and $1.75 in Q2 2024[5] - Net income reached $237.8 million in Q2 2025, a 22.8% year-over-year increase[5, 6] - Net revenue increased to $845.9 million in Q2 2025, compared to $778.0 million in Q1 2025 and $771.8 million in Q2 2024[5] - Pre-Provision Net Revenue (PPNR) was $331.2 million in Q2 2025, a 16.2% year-over-year increase[5, 6] - Tangible book value per share increased to $55.87, a 14.5% year-over-year increase[5, 6] Balance Sheet and Capital - Total loans increased to $55.939 billion in Q2 2025, a $3.5 billion or 6.7% increase year-over-year[5, 6, 39] - Total deposits increased to $71.107 billion in Q2 2025, a $4.9 billion or 7.3% increase year-over-year[5, 35] - CET1 ratio stood at 11.2% in Q2 2025[5, 6] Asset Quality - Provision for credit losses was $39.9 million in Q2 2025[5] - Net loan charge-offs were $29.6 million in Q2 2025, representing 0.22% of average loans[5] - Non-Performing Loans (NPLs) represented 0.76% of funded HFI loans in Q2 2025[5, 6] Net Interest Income and Margin - Net interest income increased by $47.0 million, or 7.2%, primarily due to a higher average balance of interest earning assets[9, 23] - Net Interest Margin (NIM) increased to 3.53%[5, 23] Non-Interest Expense and Efficiency - Adjusted efficiency ratio (excluding deposit costs) decreased to 51.8%[5, 29] - Deposit costs increased by $10.6 million to $147.4 million[29] Loan Composition - Commercial & Industrial (C&I) loans comprised 44.6% of the loan portfolio, totaling $24.9 billion[39]

Core Viewpoint - Oma Savings Bank Plc reported a challenging first quarter for 2025, with high costs and declining market interest rates negatively impacting financial results. The bank is focused on strengthening its operations and customer relationships moving forward [3][4][5]. Financial Performance - The comparable profit before taxes for Q1 2025 was EUR 4.6 million, a significant decrease from EUR 25.6 million in the same period last year [4][12]. - The cost/income ratio for the quarter was 54.4%, compared to 34.1% in the previous year, indicating increased operational costs [12][13]. - Net interest income fell by 18.3% year-over-year to EUR 46.9 million, primarily due to lower market interest rates [6][12]. - Total operating income decreased by 18.9% to EUR 60.1 million, while total operating expenses increased by 31.9% to EUR 34.2 million [12][13]. Cost Structure - The rise in costs is largely attributed to the implementation of the risk management action plan (Noste), which incurred total investments of EUR 11.6 million [5][12]. - Impairment losses on financial assets totaled EUR -22.3 million, with one-third related to updates in the expected credit loss (ECL) calculation model [8][12]. Customer and Market Position - The mortgage loan portfolio grew by 3.0%, the corporate loan portfolio by 0.4%, and the deposit base by 2.7% compared to the previous year [7][12]. - Customer satisfaction remains high, with the bank gaining 10,000 new customers following the acquisition of Handelsbanken [10][11]. Outlook and Guidance - The bank maintains its earnings guidance for 2025, expecting comparable profit before taxes to be between EUR 65 million and EUR 80 million, likely below the midpoint of this range [14][17]. - The ongoing economic uncertainty and declining market interest rates are expected to continue affecting the bank's performance [15][17].

Financial Performance - FirstSun Capital Bancorp reported a net income of $23.6 million and diluted earnings per share of $0.83 for Q1 2025[14] - The company's Return on Average Assets (ROAA) was 1.20%, and the Pre-Tax Pre-Provision Return on Average Assets (PTPP ROAA) was 1.70%[14] - The Net Interest Margin (NIM) remained strong at 4.07%[14] - Service fee income accounted for 22.6% of total revenue[14] Loan and Deposit Trends - Average loan portfolio experienced a decline of 2.6% annualized, excluding loans held for sale[14] - Average deposit growth was 1.0% annualized[14] - The loan-to-deposit ratio stood at 94.3%[14] - Total assets reached $8.2 billion, total deposits amounted to $6.9 billion, and total loans reached $6.5 billion[7] Strategic Focus and Outlook - The company operates in 5 of the top 10 fastest-growing MSAs and has a presence in 7 of the 10 largest MSAs in the Southwest & Western US[7] - For the full year 2025, the company anticipates a mid-single-digit growth rate for both loans and deposits[60] - The company expects the efficiency ratio to be in the mid-60s for the year[60]

Financial Performance - The company reported net income of $87935000, or $127 per diluted share in 1Q25[16] - The company's return on average assets (ROA) was 136% in 1Q25[15] - The company's efficiency ratio improved to 5283% in 1Q25, compared to 5564% in 1Q24[15] - The company's tangible book value (TBV) grew by $119 per share to $3978 at the end of 1Q25, representing an annualized growth rate of 125%[15] Deposits and Capital - Noninterest-bearing deposits remained strong, accounting for 308% of total deposits as of March 31, 2025[15] - The company's CET1 ratio was 129%[8] Loan Portfolio and Credit Quality - The allowance for credit losses increased to 167% of loans[8] - The company's loan portfolio is diversified, with total loans of $207 billion[47] - Criticized loans were reduced by $444 million, a decrease of 157%[15]