Investor Presentation Fourth Quarter and Full Year 2025 Results Forward-Looking Statements and Other Matters This presentation includes forward-looking statements within the meaning of the "Safe-Harbor" provisions of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, statements related to our expectations regarding the performance of our business, liquidity and capital ratios, and other non-historical statements, including statements in the "2026 Strategi ...

INVESTOR PRESENTATION Q4 2025 FORWARD LOOKING STATEMENTS This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements often include words such as "believes," "expects," "anticipates," "estimates," "forecasts," "intends," "plans," "targets," "potentially," "probably," "projects," "outlook" or similar expressions or future or conditional verbs such as "may," "will," "should," "would," and "could," as well as the negative of ...

January 22, 2026 Forward-looking statements This presentation contains forward-looking statements. There are a number of factors that could cause our results to differ materially from our expectations. Please see the section entitled "Cautions about forward-looking statements" in the Appendix accompanying this presentation for information regarding forward-looking statements and related risks and uncertainties. You can also learn more about these risks in our Form 10-K for fiscal 2025 and our other SEC fili ...

Dr. Thomas S. Kaplan Chairman Year-End Financials Peter Adamek Vice President & Chief Financial Officer Current Activities and Outlook 2025 Year-End Report & Donlin Gold Update January 22, 2026 TSX, NYSE AMERICAN: NG | NOVAGOLD.COM 2025 YEAR-END WEBCAST & CONFERENCE CALL AGENDA Introduction Mélanie Hennessey Vice President, Corporate Communications Building The Path To America's Largest Gold Mine Greg Lang President & Chief Executive Officer 2 NOVAGOLD | Year-End Report and Donlin Gold Update Generational a ...

Financial Performance - Net income was $51.2 million, compared to $53.5 million for the prior quarter[5] - HFI Loan growth of $367 million year-over-year, representing a 3% increase[5] - Core deposits grew by $196 million year-over-year, a 2% increase[5] - Net interest margin (tax equivalent) increased by 5 basis points to 4.03%[5] - Return on average assets was 1.24%, and return on average tangible common equity was 13.11%, compared to 1.30% and 14.17%, respectively, for the prior quarter[5] Loan Portfolio and Credit Quality - Total loan originations (excluding HFS) were $867 million[5] - Allowance for credit losses – loans was 1.37% of total loans[5] - Non-performing assets remained low at 0.31% of total assets, up 4 basis points from last quarter[5] Capital Management - Repurchased 249,975 shares of Banner common stock at an average price of $63.14 per share[5] - Announced dividend of $0.50 per share to be paid in February 2026[5] Revenue and Efficiency - Efficiency ratio (GAAP) was 62.11%, compared to 59.76% in the prior quarter; adjusted, non-GAAP efficiency ratio was 59.87% compared to 58.54% in the prior quarter[5] - Core revenue for the quarter ending December 31, 2025, was $170 million, and $661 million for the last 12 months[20]

Financial Performance Highlights - Core EPS increased to $0.99 in 4Q25[13] - Core Net Income reached $30 million in 4Q25[12], an increase of 8.7% from the previous quarter[11] - Net Interest Income was $77.9 million in 4Q25[16], with a Net Interest Margin of 3.66%[18] Deposit Portfolio - Total GAAP Deposits amounted to $7.9 billion as of 4Q25[33] - Core Deposits totaled $8.9 billion, including $1.7 billion in political deposits[35] - Uninsured deposits represent 58% of total deposits[88], totaling $4.61 billion[88] Loan Portfolio - Total Loans outstanding were $4.96 billion[53] - Growth portfolios, including Commercial & Industrial, Multifamily, and Commercial Real Estate, grew by $217.6 million in the current quarter, a 7% increase[55] - Mission-aligned loans constitute 82% of the Multifamily CRE and Land portfolio[59] Asset Quality - Non-Performing Assets (NPA) to Total Assets ratio stood at 0.32%[62] - Criticized and Classified Loans totaled $109 million[67] - Allowance for Credit Losses on Loans represented 1.16% of total loans[76] Guidance - The company anticipates Net Interest Income between $327 million and $331 million for FY26, implying a growth of 10-11%[83] - Core Pre-Tax Pre-Provision Earnings are projected to be between $180 million and $183 million for FY26, reflecting a growth of 9-10%[83]

Financial Performance - Q2FY26 sales were $147 million, successfully offsetting the non-recurring demand surge in Q2FY25[13, 19] - Adjusted EBITDA margin for Q2FY26 was 91%, a slight increase of 10 bps compared to the previous year[13, 18, 23] - The company generated $233 million in free cash flow in Q2FY26, resulting in a net debt to trailing twelve-month adjusted EBITDA ratio of 04x[14] - Adjusted net income increased by 6% year-over-year[18] Segment Performance - The Lighting Segment experienced 15% organic revenue growth year-over-year, driven by market share gains and increased large project activity[14, 26] - Lighting Segment adjusted gross margin rate improved by 190 bps[14, 26] - Display Solutions Segment sales were $803 million, impacted by elevated prior-year levels, but order activity improved, supporting increased demand in the second half of fiscal 2026[15, 36, 38] Outlook and Strategy - The company anticipates year-over-year growth in Q3FY26, with Lighting segment orders up 10% above prior-year levels[15] - Grocery vertical orders in the Display Solutions segment increased 20% above the prior year, supporting improved segment backlog[15] - The company maintains over $103 million in cash and available liquidity under its credit facility[54, 55]

INDEPENDENT | BANK Earnings Call: Fourth Quarter 2025 Agenda · Formal Remarks January 22, 2026 (NASDAQ: IBCP) Be Independent Cautionary note regarding forward-looking statements This presentation contains forward-looking statements, which are any statements or information that are not historical facts. These forward-looking statements include statements about our anticipated future revenue and expenses and our future plans and prospects. Forward-looking statements involve inherent risks and uncertainties, a ...

Acquisition Strategy - CVBF plans to acquire Heritage Bank of Commerce, with an estimated closing in Q2 2026[22] - The acquisition is expected to result in a pro forma Return on Average Tangible Common Equity (ROATCE) of 168% in 2027[132] - The acquisition is projected to increase Earnings Per Share (EPS) by approximately 132% in 2027, excluding rate marks[132] - The transaction assumes cost savings of approximately 35% of Heritage Commerce's estimated 2027 operating noninterest expense, which is about $43 million[134] Financial Performance (Q4 2025) - Net income for Q4 2025 was $55044 thousand, with earnings per share (EPS) of $040[33] - The Net Interest Margin (NIM) for Q4 2025 was 349%[33] - The efficiency ratio for Q4 2025 was 463%[33] - The Return on Average Tangible Common Equity (ROATCE) for Q4 2025 was 1441%[33] Balance Sheet (December 31, 2025) - Total assets were $156 billion, with gross loans amounting to $87 billion[14,31] - Total deposits, including repurchase agreements (repos), were $126 billion[14,31] - Total equity was $23 billion[14] - Securities totaled $50 billion, representing 32% of assets[31] - Loans totaled $87 billion, representing 55% of assets[31] Capital Ratios (December 31, 2025) - The Common Equity Tier 1 (CET1) ratio was 159%[32,33] - The Tier 1 Leverage ratio was 116%[32] - The Tangible Common Equity (TCE) ratio was 103%[32,33] Loan Portfolio (December 31, 2025) - Commercial Real Estate (CRE) loans constituted 76% of the loan portfolio[31] - Commercial and Industrial (C&I) loans represented 11% of the loan portfolio[31] - Dairy & Livestock (D&L) and Agribusiness loans accounted for 5% of the loan portfolio[31]

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation's Annual Report on Form 10-K for the year ended December 31, 2024, Quarterly Reports on Form 10-Q for the quarters ending ...