October 20, 2025 Disclosure Statement NASDAQ: RBB 2025 Third Quarter Earnings Results | ($ in thousands, except per share data) | | 4Q24 | | 1Q25 | | 2Q25 | | 3Q25 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Earnings & Profitability | | | | | | | | | | Diluted Earnings Per Share (EPS) | $ | 0.25 | $ | 0.13 | $ | 0.52 | $ | 0.59 | | Net Interest Income before Provision | $ | 25,977 | $ | 26,163 | $ | 27,334 | $ | 29,277 | | for Credit Losses | | | | | | | | | | Net Income(1) | $ | 4,385 | $ | ...

Financial Performance - Net income reached $140.9 million, translating to $2.22 per diluted share[11, 13] - Net interest margin expanded by 11 basis points to 2.91%, while core net interest margin, excluding trading, increased by 4 basis points to 3.16%[13, 36] - Pre-provision net revenue was $178.6 million[11] Loan and Deposit Growth - Period-end loans grew by $573 million, a 2.4% increase, reaching $24.9 billion, driven by growth in core C&I portfolio, commercial real estate, and loans to individuals[13, 14] - Average deposits increased by $345 million in Q3, primarily due to interest-bearing transaction and time deposit balances[15] - Assets under management or administration increased by $4.8 billion to $122.7 billion, driven by higher market valuations and new business growth[15] Asset Quality and Credit Metrics - Non-performing assets, excluding loans guaranteed by U S government agencies, totaled $67 million, representing 0.27% of outstanding loans and repossessed assets[13, 25] - Net charge-offs were $3.6 million during Q3[13, 25] - The combined allowance for credit losses was $328 million, or 1.32% at quarter end[25] Fee Income and Revenue - Investment banking revenue grew by $5.0 million, reflecting strong municipal bond underwriting activity[28] - Trading fee income increased by $1.1 million due to increased municipal bond trading and a more stable market environment[27] - Total fees and commissions reached $204.4 million, a $7.1 million increase, or 3.6%[32] Expenses and Efficiency - Total operating expenses increased by $15.3 million to $369.8 million, a 4.3% increase[43] - Personnel expenses increased by $11.6 million, a 5.4% increase[43] - The efficiency ratio was 66.7%[11, 43] Outlook - The company anticipates end-of-period loan growth of 5%-7% for the full year 2025, with 2024 actuals being $24.1 billion[46] - Net interest income is projected to be between $1.325 billion and $1.35 billion for FY25, compared to $1.2 billion in 2024[46]

Record 92,863 Ft. August 13, 2001 Third Quarter Report October 21, 2025, Live @ 1:00PM ET 1 Forward Looking Statements This press release 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, about us and our industry that involve substantial risks and uncertainties. Forward-looking statements generally relate to future events or our future financial or operating performance. In som ...

Q3 2025 Earnings Conference Call Forward-Looking Statements Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified b ...

Financial Performance - Q3 2025 - Steel Dynamics reported a net income of $404 million[15] - The company's cash flow from operations reached $723 million[15] - Adjusted EBITDA was $664 million, representing a 14% margin[15] - Diluted earnings per share (EPS) amounted to $274[15] - Revenue was strong at $48 billion[15] - The company repurchased 11% of its outstanding shares for $210 million[15] - Return on Invested Capital (ROIC) was 15%[15] Operational Highlights - Q3 2025 - Steel shipments reached a record high[7,18] - The company announced the acquisition of the remaining 55% of New Process Steel[7] - Aluminum Dynamics operations continued to ramp up[7] - The company made its first shipments of biocarbon to the Columbus steel mill[7] Strategic Growth & Investments - The company is investing $19 billion in a new state-of-the-art Sinton, Texas flat roll steel mill, which started production in Q1 2022[43] - Steel Dynamics is investing $600 million in greenfield investments for four new flat roll steel finishing lines, which started in the first half of 2024[43] - The company is investing $25 billion in the undersupplied North American aluminum flat rolled products market, with first coils shipped in June 2025[43]

Third Quarter 2025 Financial Highlights Earnings Presentation Q3 2025 | October 20, 2025 3Q25 Highlights Core Deposit Base | Period Ending Deposits | 3Q25 | % of | ∆ vs. | ∆ vs. | ∆ vs. | ∆ vs. | | --- | --- | --- | --- | --- | --- | --- | | (in millions) | | Deposits | 2Q25 $ | 2Q25 % | 3Q24 $ | 3Q24 % | | Noninterest Bearing Demand | $9,037 | 21% | ($117) | (1%) | ($206) | (2%) | | Interest Bearing Demand | 20,518 | 47% | 1,581 | 8% | 2,392 | 13% | | Savings | 3,096 | 7% | 455 | 17% | 535 | 21% | | Other ...

Financial Performance Highlights - Net income for the first nine months of 2025 reached a record of $6008 million, an increase of $911 million or 18% compared to the same period in 2024[10, 13, 14] - Diluted EPS for the first nine months of 2025 was $825, up $058 or 8% from the same period in 2024[10, 13, 14] - Net interest income for the first nine months of 2025 reached a record $16 billion, an increase of $2028 million or 14% compared to the same period in 2024[10, 13, 14] - Pre-tax, pre-provision income for the first nine months of 2025 was $8841 million, an increase of $1061 million or 14% compared to the same period in 2024[10, 13] - Total assets reached $696 billion, an increase of $58 billion or 9%[10, 13] - Total loans increased by $50 billion or 11% to $521 billion[10, 13, 14] - Total deposits increased by $53 billion or 10% to $567 billion[10, 13] Balance Sheet and Capital Strength - Tangible book value per common share (non-GAAP) increased to $8539 as of September 30, 2025[10, 13, 14, 43] - The company's capital levels are well in excess of regulatory thresholds[36, 39] - Investment portfolio at 13% of total assets as of September 30, 2025[39] Loan and Deposit Portfolio - Total loans increased by approximately $10 billion in Q3 2025, or 8% annualized[16, 31] - Total deposits increased by approximately $8946 million in Q3 2025, or 6% annualized[16, 35]

Third Quarter 2025 Earnings Conference Call October 21, 2025 1 Safe Harbor Statement Statements in this presentation which are not historical facts are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These forward-looking statements may include discussions of the strategic plans and objectives or anticipated future performance and ...

October 21, 2025 at: www.lockheedmartin.com/investor October 21, 2025 through midnight October 22, 2025 3 rd Quarter 2025 Conference Call October 21, 2025 Webcast login at: James D. Taiclet Chairman, President and CEO Evan Scott Chief Financial Officer Maria Ricciardone Vice President, Treasurer & Investor Relations www.lockheedmartin.com/investor Webcast replay & podcast available by 2:00 p.m. ET Audio replay available from 2:00 p.m. ET 1 Forward-Looking Statements This presentation contains statements tha ...

2 • During the course of this presentation, management may make forward-looking statements regarding financial performance and future events. • These forward-looking statements generally are identified by the words "believe," "project," "expect," "anticipate," "estimate," "forecast," "outlook," "intend," "strategy," "future," "opportunity," "plan," "may," "should," "will," "would," "will be," "will continue," "will likely result," or the negative thereof or variations thereon or similar expressions generall ...