Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 4 th Quarter 2025 LKFN L I S T E D David M. Findlay Chairman & Chief Executive Officer david.findlay@lakecitybank.com (574) 267-9197 Kristin L. Pruitt President kristin.pruitt@lakecitybank.com (574) 371-9220 Lisa M. O'Neill Executive Vice President & Chief Financial Officer lisa.oneill@lakecitybank.com (574) 267-9125 2 Forward-Looking Information This presentation contains, and future oral and wri ...

Introducing Global Ship Lease Investor Presentation January 2026 January 2026 1 Disclaimer This presentation does not constitute or form part of, and should not be construed as, an offer to sell or an invitation, solicitation, or inducement to purchase or subscribe for securities with respect to any transaction, nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. This presentation does not constitute either advice or a recommendation r ...

Fourth Quarter 2025 Conference Call Safe Harbor 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, ma ...

EARNINGS PRESENTATION FOURTH QUARTER 2025 NASDAQ: USCB 1 FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words "may," "will," "anticipate," "could," " should," "would," "believe," "contemplate," "e ...

OceanFirst Financial Corp. 4Q 2025 Earnings Release Supplement(1) January 2026 (1) The 4Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on January 22, 2026. OCEANFIRST BANK | January 22, 2026 Exhibit 99.2 . . . 1 OceanFirst Bank Legal Disclaimer . . . FORWARD LOOKING STATEMENTS. In addition to historical information, this presentation contains certain forward-looking statements within the meaning of the P ...

Refer to pages 15-19 of this presentation for reconciliations of U.S. GAAP to as adjusted results. Cohen & Steers: Q4 2025 and Full Year 2025 Earnings Presentation Summary of fourth quarter and full year 2025 results Fourth quarter 2025 Full year 2025 Assets under management • Net inflows of $1.5 billion in FY 2025 versus net outflows of $171 million in FY 2024 2 Flows Financial results, as adjusted • December 31, 2025 AUM was $90.5 billion versus $85.8 billion at December 31, 2024 • Average AUM was $88.6 b ...

Q4 2025 Earnings Presentation January 23, 2026 Exhibit 99.2 Company Overview Strong, Resilient Franchise; Well Positioned for Growth | | Safe & Sound | Customer Centric | | --- | --- | --- | | • | Strong balance sheet | • Full suite of retail banking, commercial banking, | | • | Prudent interest rate and liquidity risk | and wealth product offerings | | | management | • Relationship-oriented commercial lending with | | • | Significant capital buffer | strong local market knowledge and presence | | • | Diver ...

Forward-Looking Statements 4Q25 Earnings Presentation Forward-Looking Statements This communication contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of the Company. These statements are often, but not always, made through the use of words or phrases such as ''may'', ''might'', ''sh ...

Statements included in this communication, which are not historical in nature are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements are based on, among other things, management's beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy and SouthState. Word ...

Financial Highlights - Full year adjusted Return on Average Assets (ROAA) was 1.24%[2] and Return on Average Tangible Common Equity (ROATCE) was 17.26%[2] - Adjusted diluted Earnings Per Share (EPS) grew 10.4% year-over-year to $5.94[4] - Tangible book value per share grew 12.9% year-over-year to $37.20[4] Balance Sheet Growth - Total loans increased by 7.8% year-over-year[4], representing an increase of $4.1 billion[14] - Total deposits increased by 6.2% year-over-year[4], representing an increase of $4.0 billion[19] - Loans grew by 2.8% quarter-over-quarter[5,6,13], representing an increase of $1.5 billion[13] - Deposits grew by 0.9% quarter-over-quarter[5,6,17,18], representing an increase of $0.6 billion[18] Key Ratios - The loan-to-deposit ratio was 82.3%[5,6,8,10] - Net Interest Margin (NIM) was 3.35%[5,6] - Common Equity Tier 1 (CET1) ratio was 11.22%[5,6,8] - Tangible Common Equity (TCE) ratio was 7.42%[5,6,8] Income Statement - Pre-provision net revenue (PPNR) was $371.0 million[5] - Net income applicable to common was $254.7 million[5] - Diluted EPS was $1.59[5] - Efficiency ratio was 47.0%[5] Asset Quality - Commercial classified loans decreased by 5.0% year-over-year[4] - Criticized loans decreased by 6.2% quarter-over-quarter[5,6] - Classified loans decreased by 6.7% quarter-over-quarter[5,6] - Net charge-off ratio was 35 bps[5,6] Capital Management - The company repurchased 10.9 million shares during the full year[4] and 3.6 million shares during the fourth quarter[5,6] Outlook - The company expects full year loan growth of 5% to 7%[61] and deposit growth of 4% to 6%[61] - The company expects full year net interest income (NII) of $2.57 billion to $2.63 billion[61]