EARNINGS PRESENTATION SECOND 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 ...

Investor Presentation PORTLAND GENERAL ELECTRIC July 25, 2025 Cautionary statement Portland General Electric investors.portlandgeneral.com 121 SW Salmon Street Suite 1WTC0506 Portland, OR 97204 Nick White (503) 464-8073 Nicholas.White@pgn.com Sydnie Hinds (503) 464-7111 Sydnie.Hinds@pgn.com Information Current as of July 25, 2025 Except as expressly noted, the information in this presentation is current as of July 25, 2025 – the date on which PGE filed its Quarterly Report on Form 10-Q for the quarter ended ...

Company Overview - Vesta's property portfolio encompasses 431 million square feet of manufacturing and logistics facilities[14] - The company's property portfolio is valued at US$386 billion[14] Financial Performance (Q2 2025) - Total revenues reached $6727 million, a 68% increase compared to Q2 2024[20, 29] - Adjusted NOI was $6182 million, up 72% from $5768 million in Q2 2024[20, 29] - Adjusted EBITDA increased by 90% to $5500 million, compared to $5044 million in the same period last year[20, 29] - Vesta FFO stood at $4312 million, a 129% increase year-over-year[20, 31] - Total debt outstanding was $90036 million, representing a leverage ratio of 224%[20] Portfolio Metrics - Total portfolio occupancy was 923%[20] - Stabilized portfolio occupancy was 955%[20] - Same-store portfolio occupancy was 970%[20] Land Bank - Total land bank area is 9263 acres[16] - The market value of the land bank is $20451 million[16] Development Portfolio - The total expected investment in the development portfolio is $9096 million[16] - The development portfolio's GLA is 129 million square feet[16]

Financial Performance - Net income increased 36% to $42.7 million, or $0.50 per diluted share[10] - Adjusted net income increased 39% to $44.5 million, or $0.52 per diluted share[10] - Net interest income totaled $127.3 million, an increase of $8.4 million, or 7%, from the prior quarter[14] - Net interest margin increased 10 basis points to 3.58%[14] - Excluding accretion on acquired loans, net interest margin expanded five basis points to 3.29%[14] - Tangible book value per share of $17.19 increased 12% year over year[10] Loan and Deposit Trends - Loans grew 6.4% on an annualized basis[10] - Loans outstanding increased by $165.8 million, or 6.4% annualized, from the prior quarter[33] - Total deposits decreased $77.2 million, or 2.5% annualized during the second quarter[58] - Year over year, deposits have increased by $381.5 million, or 3.1%[58] - Cost of deposits declined 13 basis points to 1.80%[10, 14] Acquisitions and Capital - Completed the acquisition of Heartland Bancshares, Inc, adding four branches and approximately $777 million in assets[10] - The proposed acquisition of Villages Bancorporation, Inc, which will add 19 branches and approximately $4.1 billion in assets, is expected to close in the fourth quarter of 2025[10] - Strong capital position, with a Tier 1 capital ratio of 14.6%[10]

Forward-looking statements This presentation may contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The words "believe," "expect," "anticipate," "will," "plan," and similar expressions identify forward-looking statements, which speak only as of the date the statement was made. Such statements may include commentary on plans, products and lines of business, marketing arrangements, reinsurance programs and other business developments and assumption ...

Assets Under Management (AUM) and Flows - AUM increased by 2% to $1707 billion due to market performance and positive ETF net flows[12,14] - Average AUM decreased by 4% to $1670 billion[12] - Net outflows were ($39) billion, attributed to institutional, US retail funds, and retail separate accounts[12,17,19] - ETF AUM increased 74% year-over-year to $37 billion[17] Financial Performance - Operating income, as adjusted, was $598 million[12] - Operating margin, as adjusted, was 313%[12,33] - Earnings per diluted share, as adjusted, were $625[12,35] - Investment management fees, as adjusted, decreased by 4% primarily due to lower average AUM[25] Capital Activities and Balance Sheet - Stock repurchases totaled $30 million at an average price of $171 per share, reducing shares outstanding by 2% sequentially[12,39] - Net leverage was modest at 02x EBITDA[12,39] - Cash and investments totaled $447 million[39] Investment Performance - 41% of total AUM outperformed its benchmark over a 1-year period[41] - 57% of total AUM outperformed its benchmark over a 3-year period[41] - 65% of total mutual fund AUM outperformed peers over a 1-year period[42] - 55% of total mutual fund AUM outperformed peers over a 3-year period[42]

Q2 2025 Results July 25, 2025 www.graftech.com NYSE: EAF Today's Presenters Tim Flanagan Chief Executive Officer and President Jeremy Halford Executive Vice President, Chief Operating Officer Rory O'Donnell Chief Financial Officer and Senior Vice President Forward-Looking Statements CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS: This presentation and related discussions may contain forward-looking statements within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Re ...

Financial Performance & Valuation - The company's market capitalization is $294 million[11] - The price to tangible book value is at 102%[11], suggesting an attractive entry point[14] - The company's Return on Average Tangible Common Equity (ROTCE) is 11.79%[11] - Core Net Interest Margin is 3.13%[11] Balance Sheet & Loan Portfolio - Total assets amount to $3.88 billion[11] - Total loans held for investment (HFI) are $3.13 billion[11] - Total deposits are $3.38 billion[11] - The company's Tangible Common Equity to Tangible Assets (TCE/TA) ratio is 7.63%[11] Strategic Initiatives & Growth - New and renewed loan yields are at 7.57%[20] - Customer deposits in Panacea Financial are $107 million, up 58% since Q2 2024[30]

Financial Performance - Byline's net income for 2Q25 was $30.1 million, with a diluted EPS of $0.66; adjusted EPS was $0.75[10] - Pre-Tax Pre-Provision income was $50.9 million, with a Pre-Tax Pre-Provision ROAA of 2.12%[12] - Revenue reached $110.5 million, up 7.2% quarter-over-quarter and 11.2% year-over-year[12] - The reported efficiency ratio was 52.61%, while the adjusted efficiency ratio was 48.20%[10] - Return on Average Assets (ROAA) was 1.25%, and the adjusted ROAA was 1.41%[10] - Return on Tangible Common Equity (ROTCE) was 12.83%, with an adjusted ROTCE of 14.37%[10] Balance Sheet and Portfolio Trends - Total assets were $9.7 billion[7] - Total loans and leases reached $7.4 billion, up $306.7 million or 17.5% from 1Q25[7, 18] - Total deposits amounted to $7.8 billion, an increase of $257.2 million or 13.7% from 1Q25[7, 23] - Non-interest-bearing demand deposits averaged $1.803 billion[19] - The average cost of deposits decreased by 3 bps to 2.27%[12, 23]

Financial Performance - The company reported a net loss of $0.29 per share for Q2 2025, compared to a net income of $0.18 per share in Q1 2025 [11] - Book value decreased from $7.94 in Q1 2025 to $7.21 in Q2 2025 [11] - Average MBS balances increased from $5,996 million in Q1 2025 to $6,866 million in Q2 2025 [15] - Economic leverage ratio remained constant at 7.8 in both Q1 and Q2 2025 [15] - Liquidity increased from 52.2% in Q1 2025 to 54.0% in Q2 2025 [15] Portfolio & Hedging - The company increased its allocation to 30yr 5.5%, 6.0%, and 6.5% coupons by $555 million, $145 million, and $86 million, respectively, while decreasing allocation to 30yr 4.0% and 5.0% by $334 million and $137 million, respectively [47] - Total notional balance of hedge positions was $(4,881.8) million [59] - Interest rate swaps had a notional balance of $(3,843.3) million with a weighted average pay fix rate of 3.30% [59] - The company's hedge positions covered 58% of its repo funding liability [59]