Earnings Presentation 4th Quarter 2025 1 Cautionary Statements Forward Looking: This press release contains certain forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not historical facts, but instead represent only the beliefs, expectations, or opinions of TowneBank and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward-looking statements may be identified by the use of such wor ...

Financial Performance - TowneBank's total assets reached $17.25 billion, a 2.4% increase year-over-year[12] - Net income attributable to TowneBank was $41.26 million for the quarter, a 43.3% increase year-over-year[12] - Earnings per share-diluted increased to $0.55, a 41.0% increase year-over-year[12] - The net interest margin (TE) was 3.02%, a 16 bps increase year-over-year[12] Deposits and Loans - Total deposits amounted to $14.44 billion, a 3.9% increase year-over-year[12] - Total loans reached $11.46 billion, a 1.1% increase year-over-year[12] - Noninterest bearing deposits accounted for 29.46% of total deposits[12] Noninterest Income and Expense - Noninterest income totaled $59.10 million, a 23.6% increase year-over-year[14] - Noninterest expense was $127.44 million, a 4.6% increase year-over-year[14] Asset Quality and Capital - Nonperforming assets represented 0.05% of total assets[12] - The total risk-based capital ratio was 15.68%[12] Outlook - The company is targeting annualized loan growth in the mid-single digits[161] - Net interest income is expected to range between $510 million and $520 million for FY2025[161]