展覽99.2

2024年10月24日 1 3Q 2024 財務結果

前瞻性聲明 2 本新聞稿中包含的某些非歷史事實可能構成《1933年證券法》第27(a)條和修訂條文和《1934年證券交易法》第21(e)條和修正條文所規定的前瞻性聲明，並旨在受到1995年《私人證券訴訟改革法》安全港條款的保護。我們可能在提交給證券交易委員會（“SEC”）的其他文件中，以及在年度股東報告、新聞稿和其他書面材料中，以及我們的高管、董事或員工發表的口頭聲明中發表前瞻性聲明。您可以通過使用“相信”、“期待”、“預期”、“打算”、“估計”、“假設”、“展望”、“將”、“應該”等表達方式來識別前瞻性聲明，這些表達方式預測或指示未來事件和趨勢，並與歷史事項無關，包括關於公司業務、信用質量、財務狀況、流動性和營運結果的聲明。由於不確定因素和未來發展超出公司控制範圍，前瞻性聲明可能與本新聞稿中包含的內容有所不同，可能有重大差異。這些因素包括但不限於：利率變化；全國乃至公司經營地區市場的一般經濟情況（包括通脹和流動性擔憂）；資本和債務市場的動蕩；來自其他金融機構的競爭壓力；消費者行為的變化，原因可能是政治、商業和經濟環境的變化，或者立法或監管倡議的變化；公司投資組合中證券和其他資產價值的變化；貸款和租賃違約和核銷率的增加；為貸款和租賃損失而設置的足夠貨幣準備；存款水平下降，需要增加借款來資助貸款和投資；營運風險包括但不限於網絡安全事故、詐騙、自然災害和未來大流行病；監管變化；未來信用損失可能高於當前預期的原因可能是經濟假設的變化和不利經濟發展；存入公司財務報表的商譽和無形資產可能會變得損耗；以制定此類前瞻性聲明所使用的假設的變化。前瞻性聲明涉及難以預測的風險和不確定性。由於風險，公司的實際結果可能與前瞻性聲明中預測的結果有所不同，這些風險包括但不限於公司在其年度報告中概述的風險，以及其提交給SEC的季度報告中更新的風險和其他文件，公司不承擔任何更新任何前瞻性聲明以反映在發表前瞻性聲明後發生的情況或事件。

x 貸款增長了3400萬美元。x 客戶存款增加了103百萬美元。x 保證金增加了7個基礎點至3.07％。x 稅前、採備先支出收益為3140萬美元，較第2季增加420萬美元。x 營運支出比第2季減少了50萬美元。3 堅實的資產負債表 / 資產質量 x 非按揭貸款比例達0.62％。x 淨計提備抵貸款損失380萬美元（年化0.16％）。x 貸款損失準備代表131個基準點的覆蓋率。x 總風險資本率為12.5％，有形普通股權益（TCE）為8.5％。季度凈利潤為2010萬美元，每股收益為0.23美元 季度股息為每股0.135美元

綜合損益表 ▪ 凈利潤為2010萬美元，每股收益為0.23美元。▪ 凈利息收益率增加-1%，分別為(1.1)百萬美元和84.1百萬美元、3.0百萬美元和80.0百萬美元、83.0百萬美元。總凈利息收益率從Q2增至300萬美元，因為優惠15%，為0.8百萬美元和5.5百萬美元、-2%、-(0.1)百萬美元和6.4百萬美元、6.3百萬美元。非利息收入改善貸款收益，抵銷安防利益（損失）-較高的資金成本。▪ 總營業收入為89.3百萬美元。▪ 630萬美元的非利息收入與Q2持平。▪ 本季非利息費用下降50萬美元聯季。▪ Q2的重組費用為80萬美元，與與Eastern Funding的專用車輛業務退出相關的資遣費和佔用費用相關。▪ 本季信用損失準備金為470萬美元，較2Q'24減少了0.9百萬美元。0%、0.2百萬美元和57.7百萬美元、-1%、-(0.5)百萬美元和58.4百萬美元、57.9百萬美元。非利息費用-100%、-(0.8)百萬美元和0.8百萬美元。重組/併購支出-2%、-(0.5)百萬美元和31.9百萬美元、15%、4.2百萬美元和27.2百萬美元、31.4百萬美元。稅前，稅前凈收入57%、1.7百萬美元和3.0百萬美元、-16%、-(0.9)百萬美元和5.6百萬美元、4.7百萬美元。信用損失準備金-8%、-(2.2)百萬美元和28.9百萬美元、24%、5.1百萬美元和21.6百萬美元、26.7百萬美元。稅前收入6%、0.4百萬美元和6.2百萬美元、25%、1.3百萬美元和5.3百萬美元、6.6百萬美元。稅費用-11%、-(2.6)百萬美元和22.7百萬美元、23%、3.8百萬美元和16.3百萬美元、20.1百萬美元。凈利潤-12%、-(0.03)美元和0.26美元、28%、0.05美元和0.18美元、0.23美元每股收益0%、349和88,971、0%、98和89,222、89,320每股股份平均摊薄股數(千股)-0.11%、0.81%、0.13%、0.57%、0.70%資產報酬率-1.65%、10.09%、1.40%、7.04%、8.44%股東權益報酬率-0.11%、3.18%、0.07%、3.00%、3.07%凈利息收益率0.46%、64.39%、-3.65%、68.50%、64.85%效率比聯季（LQ）年度(YoY)金額，如按公司公佈的表尾計算，可能略有不同。

餘額 - 收益和成本 LQ Δ前一季度3Q24 收益 利息 平均餘額 收益 利息 平均餘額 收益 利息 平均餘額 百萬美元 0.15% $ 4.0 $ 23 6.02% $ 145.8 $ 9,687 6.17% $ 149.8 $ 9,710 貸款 0.02% 0.2 13 3.69% 9.8 1,062 3.71% 10.0 1,075 投資及賺取現金 0.14% $ 4.2 $ 36 5.79% $ 155.6 $ 10,749 5.93% $ 159.8 $ 10,785 利息收入資產 0.00% $ 0.1 $ (49) 3.39% $ 59.7 $ 7,075 3.39% $ 59.8 $ 7,026 付息存款 0.14% 1.1 38 5.00% 15.7 1,238 5.14% 16.8 1,276 借款 0.02% $ 1.2 $ (11) 3.65% $ 75.4 $ 8,313 3.67% $ 76.6 $ 8,302 付息負債 0.12% 2.14% 2.26% 凈利差 0.07% $ 3.0 3.00% $ 80.2 3.07% $ 83.2 凈利收益，TEb / 餘額 - 0.2 0.2 減：稅收等效基礎 (TEB) 調整 3.0 $ 80.0 $ 83.0 $ 凈利潤 5.50% 8.50% 5.3 1% 5.53% 5.04% 4.61% 4.57% 5.50% 8.50% 5.33% 5.44% 4.75% 4.38% 4.40% 5.00% 8.00% 5.16% 4.93% 3.64% 3.56% 3.78% 聯邦基金（上限）牛市 30天平均 SOFR Ameribor 2年期國庫券 5年期國庫券 10年期國庫券 2023年9月30日 2023年12月31日 2024年3月31日 2024年6月30日 2024年9月30日 由於整理表格數字可能略有不同，數值可能略微與公司的盈利公告不同。5

資產負債表摘要 • 總資產增加4200萬美元，主要由貸款增長以及現金及等值物增加所推動。 • 貸款增加3400萬美元。 • 證券減少100萬美元，而現金等值物增加6500萬美元。 • 呆帳費用增加500萬美元。 • 呆帳費用覆蓋率為1.31%。 • 存款減少500萬美元。 • 借款增加6900萬美元。 • 有形權益與有形資產比率為8.50%*。年增長率（YoY）、連鎖季度（LQ）增長率%Δ 3Q23 Δ Δ 3Q24 2Q24百萬美元，每股金額除外 4% $ 9,381 $ 374 $ 34 $ 9,755 $ 9,721 總貸款、投資增長7%（119）（8）（5）（127）（122） 呆帳費用增長4% 366, 9262, 29, 9599, 9628 凈貸款增長3%（25）、880（1）、856, 855 證券增長153% 247, 161, 65, 343, 408 現金及等值物減少3%（7）, 267,（2), 262, 260 無形財產減少14%（85）, 611,（49), 575, 526 其他資產及貸款，HFS增長4% 496, 11,181, 42, 11,635, 11,677 總資產增長2% 166, 8,566,（5), 8,737, 8,732 存款增長32% 363, 1,135, 69, 1,429, 1,498 借款減少67%（14）, 21,（4), 11, 7 預備未落實貸款增加31%（92）, 301,（51), 260, 209 其他負債增長4% 423, 10,023, 9, 10,437, 10,446 總負債增長6% 73, 1,158, 33, 1,198, 1,231 股東權益增長4% $496, $11,181, $42, $11,635, $11,677 總負債及股東權益增長9% $0.87, $10.02, $0.36, $10.53, $10.89 每股淨資產增長0% 232, 88,866, 186, 88,912, 89,098 實際流通股數（000）增長0.34%，8.16%，0.27%，8.23%，8.50% 有形權益/有形資產增長2.21%，109.51%，0.46%，111.26%，111.72% 貸款/存款增長為0.04%，1.27%，0.06%，1.25%，1.31% 與公司盈利報告中的表現數字可能因彙總而有所不同。 *盈利報告中的非GAAP指標調和

Loan and Deposit Composition 59% 11% 14% Loans 16% 19% 7% 20% 24% 21% 9% CRE C&I Equipment Consumer Deposits DDA NOW Savings MMkt CDs Brkd Amounts as presented may differ slightly from the Company’s Earnings Release due to rounding to foot schedules presented. %Δ Δ 3Q23 Δ 2Q24 3Q24 $ millions 2% $ 109 $ 5,670 $ (3) $ 5,782 $ 5,779 CRE 24% 217 911 64 1,064 1,128 Commercial S 0% (5) 1,330 (55) 1,380 1,325 Equipment Finance OA N 4% 53 1,470 28 1,495 1,523 Consumer L Total Loans $ 9,755 $ 9,721 $ 34 $ 9,381 $ 374 4% - 4% $ (63) $ 1,745 $ 44 $ 1,638 $ 1,682 Demand deposits - 2% (11) 648 (11) 648 637 NOW 7% 111 1,626 1 1,736 1,737 Savings - 6% (120) 2,161 (33) 2,074 2,041 Money market 22% 327 1,492 101 1,718 1,819 CDs - 9% (78) 894 (107) 923 816 Brokered deposits 2% $ 166 $ 8,566 $ (5) $ 8,737 $ 8,732 Total Deposits Linked Quarter (LQ) 7 Year over Year (YoY) DEPOSITS Customer deposits increased ~$103 million as Brokered deposits decline ~$107 million.

Capital Strength 8 ▪ As of September 30, 2024, the Company maintained capital well above regulatory “well capitalized” requirements. Capital in Excess of "Well Capitalized" Brookline Board Policy Limits Regulatory BASEL III Requirements preliminary estimates* Regulatory Capital Buffer $ Regulatory Capital Buffer % Operating Targets Policy Minimums "Well Capitalized" Minimum Sep - 24 $ millions $ 378.9 3.9% ≥ 8.0% ≥ 7.5% ≥ 6.5% ≥ 4.5% 10.4% Tier 1 Common / RWA $ 242.0 2.5% ≥ 9.5% ≥ 9.0% ≥ 8.0% ≥ 6.0% 10.5% Tier 1 / RWA $ 243.1 2.5% ≥ 11.5% ≥ 11.0% ≥ 10.0% ≥ 8.0% 12.5% Total Risk Based Capital $ 464.7 4.1% ≥ 6.0% ≥ 5.5% ≥ 5.0% ≥ 5.0% 9.1% Leverage Ratio * Regulatory capital ratios are preliminary estimates and may differ from numbers calculated in final Regulatory filings.

Regular Dividends Per Share The Board of Directors announced a dividend of $0.135 per share payable November 29, 2024 to stockholders of record on November 15, 2024. 0.046 9 $0.096 $0.110 $0.210 $0.316 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.340 $0.355 $0.360 $0.360 $0.395 $0.440 $0.460 $0.480 $0.520 $0.540 $0.135 $0.135 $0.135 $0.135 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Q1'24 Q2'24 Q3'24 Q4'24

QUESTIONS Paul A. Perrault, Chairman and Chief Executive Officer Carl M. Carlson, Co - President, Chief Financial and Strategy Officer Thank You. 10

APPENDIX RHODE ISLAND - PROVIDENCE WESTCHESTER / LOWER HUDSON VALLEY, NY BOSTON / EASTERN MASSACHUSETTS (28) (22) (14) Subsidiary of Eastern Funding 11

Non Performing Assets and Net Charge Offs Non Performing Assets (NPAs), in millions $ (13.6) $ 26.9 $ 1.6 $ 11.7 $ 13.3 CRE 33.6 19.4 9.2 43.8 53.0 C&I - 4.9 (0.3) 5.2 4.9 Consumer 20.0 51.2 10.5 60.7 Total Non Performing Loans (NPLs) 71.2 0.8 - - 0.8 Other real estate owned 0.8 finance. 0.5 0.3 (0.4) 1.2 Other repossessed assets 0.8 $ 21.3 $ 51.5 $ 10.1 $ 62.7 Total NPAs $ 72.8 0.18% 0.55% 0.11% 0.62% NPLs / Total Loans 0.73% 0.16% 0.46% 0.08% 0.54% NPAs / Total Assets 0.62% Net Charge Offs (NCOs), in millions $ - $ - $ (3.8) $ 3.8 $ - CRE loans (7.2) 11.0 (0.8) 4.6 3.8 C&I loans - - - - - Consumer loans $ (7.2) $ 11.0 $ (4.6) $ 8.4 $ 3.8 Total Net Charge Offs - 0.31% 0.47% - 0.19% 0.35% 0.16% NCOs / Loans (annualized) Linked Quarter (LQ) 3Q24 2Q24 Year over Year (YoY) Δ 3Q23 Δ Amounts as presented may differ slightly from the Company’s Earnings Release due to rounding to foot schedules presented. 12 ▪ NPLs increased $11 million from the prior quarter driven by one large commercial loan in equipment finance. ▪ Net charge offs of $3.8 million in the quarter in C&I, driven by equipment

Key Economic Variables - CECL Select Economic Variables from the Moody’s Baseline Forecasts ▪ The Company uses Moody’s forecasts as inputs into the models used to estimate credit losses under CECL. 13 ▪ The September 2024 Baseline economic forecast was favorable to the June 2024 forecast: ▪ GDP – FAVORABLE ▪ Unemployment – slightly UNFAVORABLE ▪ CRE Price Index – FAVORABLE ▪ We have modified our forecast weightings for 3Q’24: ▪ 50% Moderate Recession; neutral target of 30% ▪ 45% Baseline; neutral target of 40% ▪ 5% Stronger Near Term Growth; neutral target of 30% Stronger Near Term Growth (S1) Baseline Moderate Recession (S3) Weightings of Moody's Forecast for CECL Model 3Q 2024 50% 45% 5% 0% 40% 60% 2Q 2024 0% 40% 60% 1Q 2024 0% 40% 60% 4Q 2023 0% 40% 60% 3Q 2023 Change from Prior CURRENT: 3Q'24 Prior Quarter: Baseline Scenario 2025 2024 2025 2024 2025 2024 310 230 23,637 23,152 23,327 22,922 GDP - 0.2 4.1 4.2 4.1 4.0 Unemployment Rate (0.3) (0.2) 4.0 5.0 4.3 5.2 Fed Fund Rate - (0.2) 4.1 4.1 4.1 4.3 10 Treasury 7.0 1.5 325.3 306.5 318.3 305.0 CRE Price Index

Investment CRE 49% Commercial 20% Equipment Finance 15% Consumer 16% Perm Constr Total % Total % Total % Total % Food & Lodging Manufacturing Finance and Ins Wholesale Trade Professional RE Agents / Brokers Health Care / Social Construction Retail Arts, Entert., Rec Condo Trans./Warehousing Other Services $ 356 18% 234 12% 229 12% 122 6% 153 8% 237 12% 182 9% 50 3% 163 8% 102 5% 45 2% 15 1% 90 5% Residential Home Equity Other Consumer Purchase Mtge $ 1,082 71% 367 24% 58 4% 16 1% Total $ 1,523 100% - Apartment Retail Office Industrial Mixed Use 1 - 4 Family Hotel Land Other 355 $ 1,242 $ 166 837 3 674 36 692 11 468 1 5 19 186 10 38 43 $ 1,408 29% 840 18% 710 15% 703 15% 469 10% 24 1% 196 4% 38 1% 398 8% Total $ 4,459 $ 327 $ 4,786 100% Total $ 1,978 100% Total $ 1,468 100% 44% $ 645 Laundry Eastern Funding Core 11% 158 Fitness/Macrolease 4% 56 Grocery 2% 23 Dry Cleaning 1% 21 Restaurant 1% 11 Car Wash 12% 181 EF CRE 3% 49 Other EF 9% 139 Tow Truck Specialty Vehicle 4% 58 Heavy Tow 2% 33 FedEx 1% 10 Trailer 6% 84 Other Vehicle Specialty Vehicle $ 324 22% Discontinued - Run off mode Total Loans Outstanding $ 9,755 Amounts as presented may differ slightly from the Company’s Earnings Release due to rounding to foot schedules presented. Major Loan Segments with Industry Breakdown $4,796 $1,915 $1,515 $1,495 3Q24 Loans outstanding ($millions) Owner Occupied CRE included in Commercial and Equipment Finance 14

CRE – Loan to Value (LTV) 40% 42% 39% 42% 41% 15% 34% 50% 53% 52% 47% 46% 53% 45% 59% 50% 44% 42% 8% 11% 12% 4% 14% 16% 6% 3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Apartment Retail Office Industrial 50% and lower Mixed Use 50 - 70 Medical Hotel Restaurant Other Non Owner Occupied CRE and Multifamily Exposures at September 30, 2024. Exposures by LTV 70 - 80 80+ 41% 49% 1% 9% 15

33% 41% 33% 21% 28% 21% 53% 52% 29% 12% 7% 15% 8% 14% 9% 21% 12% 7% 7% 6% 11% 9% 5% 3% 5% 10% 17% 26% 24% 21% 30% 11% 24% 20% 15% 11% 20% 12% 13% 22% 31% 1 0 % 6% 17% 6% 6% 7% 18% 8% 9% 3% 2% 0% 4% 4% 5% 2% 0% 3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Apartment Retail Office 2018 and Before Restaurant Other Non Owner Occupied CRE and Multifamily Exposures at September 30, 2024. Exposures by Year of Origination Industrial Mixed Use Medical Hotel 2019 2020 2021 2022 2023 2024 3 % CRE - Vintage 8 % 17 % 19 % 9 % 11 % 33 % 16

ICRE Maturities, excludes Construction 3Q24 ICRE Maturities by Size Average Loan Size Number of Loans Outstanding Loan Size $16.4 22 $359.9 $10MM+ 6.9 20 138.8 $5MM - $10MM 2.1 98 208.6 $1MM - $5MM 0.3 188 63.8 Under $1MM $2.4 328 $771.1 Total 17

Office Maturities, excludes Construction 3Q24 ▪ 20% ($137MM) of the Bank’s Office portfolio is maturing before 9/30/2026. Out of the $137MM Office loans maturing, only 12% mature in the next six months, while 47% mature in the second half of 2025. ▪ Recent efforts to extend and/or refinance other Office assets have been largely successful. Mitigating factors include dedicated, well - heeled sponsors, long lease terms, and staggered lease maturities. ▪ Despite deterioration in the Office market and elevated vacancy rates in Boston, the portfolio remains relatively healthy with a 90% overall Pass rating and few credits requiring workouts. Office Maturities by Submarket Average Loan Size Number of Loans Outstanding Bank $5.8 17 $98.9 Brookline Bank 14.3 4 57.0 Boston 3.3 7 23.4 Inside 128 3.1 6 18.6 Other BBK 2.5 15 38.1 Bank Rhode Island 2.4 11 26.4 Providence Cranston Pawtucket 2.9 4 11.7 Other BARI 0.1 2 0.2 PCSB $4.0 34 $137.2 Total Office Maturities - Asset Quality Average LTV Average DSC Average Loan Size Outstanding Loan Size 47% 1.42x $3.9 $126.2 Core 175% 0.58x 5.5 11.0 Criticized + Classified 58% 1.35x $4.0 $137.2 Total 18

Multi - Family Maturities, excludes Construction 3Q24 ▪ 12 % of the Bank’s Multi - Family portfolio is maturing before 9 / 30 / 2026 . ▪ Portfolio is primarily comprised of large Class B multi - family properties ( 84 % ), followed by small 1 - 9 family properties ( 8 % ) . ▪ The portfolio continues to perform strongly with minimal adversely rated credits. There are currently no criticized or classified credits in the maturing multi - family population. Multi - Family Maturities - Asset Quality Average LTV Average DSC Average Loan Size Outstanding Loan Size 50% 1.96x $1.8 $173.3 Core - - - - Criticized + Classified 50% 1.96x $1.8 $173.3 Total 19

ICRE Repricing, excludes Construction and Swapped/Floating Rate Loans 3Q24 ICRE Repricing by Size Average Loan Size Number of Loans Outstanding Loan Size 12.9 3 38.7 $10MM+ 6.5 6 39.2 $5MM - $10MM 2.3 86 193.5 $1MM - $5MM 0.4 135 58.9 Under $1MM $1.4 230 $330.4 Total 20

Consumer Loans – LTV / FICO 21 700+ 86% 650 - 699 7% 600 - 649 3% 599 - N/A 3% 50% or less 32% 50% - 69% 39% 70% - 80% 25% 80%+ 4% 700+ 94% 50% or less 50% - 69% 32% 70% - 80% 32% 80%+ 2% Resid. 1 - 4 58% LTV 1% Resid. 1 - 4 FICO 650 - 699 3% Home Equity FICO Home Equity 34% 56% LTV 3Q24

Well Diversified Deposit Base – 72% of Deposits are Insured* Consumer Deposits 52% (76% insured) Commercial Deposits 44% (61% insured) Municipal Deposits 4% * Insured includes deposits which are collateralized. Excludes brokered deposits which are 100% FDIC insured and have laddered maturities. 28% of Non Brokered Deposits Uninsured 22 3Q24

Securities Portfolio ▪ Highly liquid, risk averse securities portfolio with prudent duration and minimal extension risk. The entire investment portfolio is classified as Available for Sale. ▪ The after tax, mark to market on the portfolio is included in Accumulated Other Comprehensive Income in Stockholders’ Equity. Total OCI represents a reduction in stockholders’ equity of 3.2%. UST 50% 23 Agency 22% Corp 1% MBS 23% CMO 2% Municipals 2% 3Q24 Amounts as presented may differ slightly from the Company’s Earnings Release due to rounding to foot schedules presented. Duration Book Yield Unreal. G/L Fair Value Book Value Current Par $ in millions 2.9 2.71% $ (18) $ 424 $ 442 $ 445 U.S. Treasuries 3.9 2.61% (15) 183 198 194 Agency Debentures 1.7 4.60% (0) 12 12 13 Corp Bonds 4.6 3.30% (17) 200 217 228 Agency MBS 4.1 2.96% (1) 19 20 21 Agency CMO 3.0 4.49% 0 18 18 19 Municipals 3.5 2.90% $ (51) $ 855 $ 906 $ 920 Total

Interest Rate Risk Floating (<3m) 34% Adj. 34% Fixed 32% 3Q24 Loan Originations, $459 million Total Loan Portfolio Mix – Duration 2.2 - 0.43% - 0.78% - 1.04% - 0.09% - 0.36% - 1.74% - 2.46% 0.66% 2.25% - 2.26% Forward - Implied Rates 2.58% Cumulative Net Interest Income Change by Quarter 09/30/2024 Flat Balance Sheet , simulations reflect a product weighted beta of 40% on total deposits. - 100bps Ramp Q2 - 24 Q3 - 24 1.65% Q4 - 24 +200bps Ramp Q1 - 25 Floating (<3m) 23% 24 Adj. 38% Fixed 39%

Deposit and Funding Betas - Percentage Change in Cost versus Change in Federal Funds Rate 25 ▪ The Federal Reserve began increasing the Federal Funds rate in March 2022 and increased rates 525 basis points through June 2024. ▪ On Sept 18 , 2024 the FRB reduced the Federal Funds rate by 50 basis points . ▪ Q1’22: 0.25% first increase ▪ Q2’22: 1.25% ▪ Q3’22: 1.50% ▪ Q4’22: 1.25% ▪ Q1’23: 0.50% ▪ Q2’23: 0.25% ▪ Q3’23: 0.25%, last increase ▪ Q4’23: 0.00% ▪ Q1’24: 0.00% ▪ Q2’24: 0.00% ▪ Q3’24: (0.50%) first cut *Betas reflect the change in quarterly funding costs as a percentage of the change in the targeted Federal Funds Rate over the same period. na 13.1% 120.0% 0.70% 0.68% 0.10% 0.08% NOW na 56.8% 494.0% 2.80% 2.76% 0.33% 0.10% Savings na 58.7% 528.0% 3.05% 3.08% 0.41% 0.26% MMA na 80.6% 816.0% 4.56% 4.43% 0.48% 0.73% CDs na 108.0% 912.0% 5.29% 5.25% 0.73% 0.16% Brokerd CDs na 65.1% 598.0% 3.41% 3.39% 0.42% 0.32% Total Interest Bearing 0.0% 0.0% 0.0% 0.00% 0.00% 0.00% 0.00% DDA na 53.5% 488.0% 2.77% 2.75% 0.33% 0.23% Total Deposit Costs na 66.1% 902.0% 5.19% 5.00% 0.68% 2.05% Borrowings na 58.7% 544.0% 3.09% 3.04% 0.37% 0.30% Total Funding Costs Current Qtr Prior Qtr Prior Year Cycle Start LQ Chg Since 12/21 YoY Chg 3Q24 2Q24 3Q23 4Q21 50% - 0.50% 4.75% - 0. 5.00% 5.50% 5.50% Fed Funds Rate 0.25% BETAS LQ % Chg Through the Cycle** YoY % Chg Since 12/21 3Q24 Rates / Costs Cycle Start 4Q21 Prior Year 3Q23 Prior Qtr 2Q24 Current Qtr 3Q24