2022年第一季度投資者演示

2前瞻性陳述本演示文稿可能包含有關Renasant公司的各種陳述(“Renasant”、“我們”、“我們”或“我們”)，這些陳述構成“前瞻性陳述”，符合修訂後的1933年證券法第27A節和修訂後的1934年證券交易法第21E節的含義。在聲明之前、之後或以其他方式包括“相信”、“期望”、“計劃”、“預期”、“打算”、“估計”、“計劃”、“潛在”、“可能”、“可能增加”、“可能波動”、“可能結果”等詞語的陳述，以及類似的表達，或未來或條件動詞，如“將”、“應該”、“將”和“可能”，一般都是前瞻性的，而不是歷史事實。前瞻性陳述包括有關我們未來財務業績、業務戰略、計劃和目標的信息，並基於管理層目前的信念和預期。我們認為這些前瞻性陳述是合理的，但它們都固有地受到重大商業、經濟和競爭風險和不確定性的影響，其中許多風險和不確定性是我們無法控制的。此外，這些前瞻性陳述受制於對未來業務戰略和決策的假設，這些假設可能會發生變化。實際結果可能與前瞻性陳述中指出或暗示的結果不同；這種差異可能是實質性的。提醒潛在投資者，任何前瞻性陳述都不是對未來業績的保證，涉及風險和不確定因素。投資者不應過度依賴這些前瞻性陳述。, 它們只説明瞭它們的製作日期。管理層目前已知的可能導致我們的實際結果與前瞻性陳述中的結果大不相同的重要因素包括：(I)公司有效地將收購整合到其業務中、留住這些業務的客户、擴大收購業務並在管理層預期的時間範圍內實現收購預期的成本節約的能力；(Ii)國家、地區或國際經濟狀況和利率的影響；(Iii)實施運營變化以實現更高收益或效果成本節約的時機和成功；(4)消費金融、商業金融、保險、金融服務、資產管理、零售銀行、按揭貸款和汽車貸款行業的競爭壓力；。(5)競爭對手的財政資源和產品；。(6)法律法規的變化和會計準則的變化；。(7)監管機構的政策變化；。(8)證券和外匯市場的變化；。(9)公司的潛在增長，包括進入或擴展新市場，以及是否需要足夠的資本來支持增長；。(X)公司貸款或投資組合的質量或組成的變化，包括借款人行業的不利發展或個人借款人的還款能力；(Xi)因假設不準確而導致的信貸損失撥備不足；(Xii)總體經濟、市場或商業狀況，包括通貨膨脹的影響；(Xiii)貸款產品和金融服務需求的變化；(Xiv)信貸風險集中；(Xv)利率變化或沒有變化, (十六)增加的網絡安全風險，包括潛在的網絡入侵、業務中斷或財務損失；(十二)內亂、自然災害、流行病(包括新冠肺炎疫情的重新出現)和公司地理區域的其他災難性事件；(十二)技術變化的影響、程度和時機；及(十九)其他情況，其中許多不是管理層所能控制的。管理層認為，我們前瞻性陳述背後的假設是合理的，但任何假設都可能被證明是不準確的。我們敦促投資者仔細考慮Renasant不時向美國證券交易委員會(“美國證券交易委員會”)提交的文件中所描述的風險，這些文件可在www.renasant.com和美國證券交易委員會的網站www.sec.gov上查閲。我們不承擔任何義務，特別是不承擔任何義務，以更新或修改我們的前瞻性陳述，無論是由於新信息的結果，還是反映假設的變化，隨着時間的推移，意外事件的發生或未來經營業績的變化，除非聯邦證券法要求。

3優先考慮核心資金、資產質量和資本實力的商業模式在整個東南地區有吸引力的高增長市場運營有機增長曆史和機會性收購專注於提高運營槓桿我們是誰

概述注：截至2022年3月31日的財務數據(1)總收入按淨利息收入加非利息收入計算。按國有資產劃分的公司貸款和存款：169億美元貸款：10.3存款：14.0股權：2.1 4 MS 23%AL 24%FL 6%GA 30%TN 17%貸款MS 36%AL 14%FL 3%GA 34%TN 13%存款83%5%10%2%YTD總收入(1)社區銀行財富管理抵押保險

55 20 65 10 65 75 20 95 95 85 77 95 81 7524 40 59 40佛羅裏達傑克遜移動諾克斯維爾查塔努加格林斯博羅羅利哥倫比亞納什維爾温斯頓-塞勒姆伯明翰哥倫布夏洛特傑克遜維爾孟菲斯奧蘭多亨茨維爾塔拉哈西亞特蘭大威爾明頓查爾斯頓薩凡納圖珀羅格林維爾密西西比州阿拉巴馬州田納西州喬治亞州南卡羅來納州北卡羅來納州阿肯色州路易斯安那州分行(158)貸款生產辦公室(7)抵押貸款(21)保險(8)金融服務(2)5租户足跡

第一季度亮點6·淨收入3350萬美元，稀釋後每股收益0.60美元·於2022年3月1日完成對東南商業金融有限責任公司的收購，這是一家總部位於亞利桑那州伯明翰的資產貸款公司，在收購日增加了2810萬美元的貸款·貸款信貸損失撥備降至總貸款的1.61%·信用指標保持穩定，不良貸款佔總貸款的比例保持在0.51%，批評貸款(包括分類貸款和特別提及貸款)降至2.47%·2022年第一季度貸款增加2.925億美元；不包括作為東南商業金融有限責任公司交易的一部分獲得的貸款，貸款增加2.644億美元，摺合成年率淨貸款增長10.70%·存款在關聯季度基礎上增加8,520萬美元，無息存款目前佔總存款的33.64%

財務狀況

$2,044 $2,126 $2,133 $2,210 $2,138 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 $2,200 2018 2019 2020 2021 Q1 2022 $10,129 $10,213 $12,060 $13,906 $13,991 $0 $2,000 $4,000 $6,000 $8,000 $10 ,000 $12 ,000 $14 ,000 $16 ,000 2018 2019 2020 2021 Q1 2022 $9,083 $9,690 $10,933 $10,021 $10,313 $9,804 $9,963 $10,305 $1,129 $58 $8 0 200 0 400 0 600 0 800 0 100 00 120 00 $0 $2,000 $4,000 $6,000 $8,000 $10 ,000 $12 ,000 2018 2019 2020 2021 Q1 2022 $12,935 $13,401 $14,930 $16,810 $16,864 $0 $2,000 $4,000 $6,000 $8,000 $10 ,000 $12 ,000 $14 ,000 $16 ,000 $18 ,000 2018 2019 2020 2021 Q1 2022 Balance Sheet Growth 8 Total Assets Total Loans excluding Loans Held for Sale Total Deposits Total Equity (1) Green bar represents Paycheck Protection Program (“PPP”) loans outstanding as of December 31, 2020, December 31, 2021, and March 31, 2022. Note: Dollars in millions PPP (1)

每股有形賬面價值*9*每股有形賬面價值是非公認會計準則財務指標。請參閲附錄中的幻燈片43，以瞭解排除情況以及這一非公認會計原則財務指標與公認會計原則的對賬情況。$11.51$13.13$13.95$16.65$17.83$18.21$20.20$20.69$22.35$20.91 2013 2014 2015 2016 2017 2018 2019 2020 2021 Q1 2022

貸款和收益率10注：數百萬美元*其他貸款包括向個人提供的分期付款貸款和租賃融資，這兩種貸款在總貸款組合中所佔比例歷來不到5%。**核心貸款收益率是一項非GAAP財務指標。請參閲附錄中的幻燈片40，以瞭解排除情況的説明以及該非GAAP財務指標與GAAP的對賬情況。$10,688$10,149$10,017$10,021$10,313 4.24%4.24%4.11%3.98%3.88%4.01%3.94%3.89%3.87%3.82%2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 1-4家庭按揭商業按揭建設其他*C&I支付保障計劃(“PPP”)貸款收益率核心貸款收益率**

貸款組合1-4家庭21%HELOC 5%消費者1%建築和土地開發15%NOO CRE 28%OO CRE 14%C&I 14%其他2%*圖表不包括2022年3月31日840萬美元的PPP貸款，用於投資的貸款總額為103億美元11·積極的投資組合管理和保守的信貸承保·細粒度貸款組合：o平均未償還貸款餘額約為193,000美元o多元化商業投資組合o積極集中管理框架·約94%的貸款是足跡·利率敏感度：o 40%浮動利率o 10%可調利率o 50%固定利率貸款組合截至2022年3月31日的亮點

多元化貸款組合12上述C&I的46%所包括的行業沒有超過貸款組合總額的3%注：圖表不包括購買力平價貸款840萬美元1NOO CRE建築貸款已重報為其各自的永久抵押品類型

ADC和CRE貸款集中度13 ADC貸款佔銀行基於風險的資本CRE貸款的百分比(續&PERM)佔銀行風險資本的百分比81%78%73%76%79%83%87%82%88%0%20%40%60%80%100%0%50%100%150%200%250%300%

存款組合及定價14注：以百萬美元計$12,737$13,115$13,255$13,906$13,991 0.27%0.24%0.21%0.18%0.17%2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022無息儲蓄時間成本

核心存款資金34%49%8%7%2%無息儲蓄時間$25萬資金成本1Q21 4Q21 1Q22無息需求-計息需求0.27%0.21%0.22%儲蓄0.08%0.06%0.05%定期存款1.02%0.67%0.55%借入資金3.21%4.03%4.08%資金總成本0.38%030%0.30%·98%被視為核心存款(定期存款>25萬美元以外的所有存款)截至3月31日的15個存款，2022年(140億美元)

Liquidity 16 Note: Dollars in millions $1,262 $1,605 $1,476 $1,878 $1,607 $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Cash and Cash Equivalents $1,536 $2,164 $2,545 $2,387 $2,405 $416 $487 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 AFS securities HTM securities Securities 88% 81% 76% 73% 74% $1 $1 $1 $1 $1 $1 $1 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Average Loans to Average Deposits

次級債券$335,244 ACL$133,117信託優先股$107,927普通股一級資本$1,316,342 1資本頭寸17一級資本$1,424二級資本$468監管資本截至2022年3月31日·5000萬美元的股票回購計劃將一直有效到2022年10月；但是，2022年第一季度沒有回購活動·一致的股息支付歷史，包括2008年金融危機·2022年3月1日贖回了我們3000萬美元的附屬票據資本亮點：以百萬美元計

強大的資本狀況18(1)包括資本保護緩衝*有形普通股權益是非公認會計準則的財務衡量標準。請參閲附錄中的幻燈片42，瞭解排除情況的説明以及這一非公認會計原則財務指標與公認會計原則的對賬情況。比率1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022資本充足的最低要求(1)有形普通股權益*8.23%8.22%8.15%7.86%7.35%N/A槓桿率9.49 9.30 9.18 9.15 9.00 5.00%基於第一級風險12.00 12.07 11.94 12.10 11.67 8.50基於15.09 15.11 14.66 16.14 15.50 10.50第一級普通股權益11.05 11.14 1102 11.18 10.78 7.00資本比率

Dividend History 19 $0.00 $0.10 $0.20 $0.30 $0.40 $0.50 $0.60 $0.70 $0.80 $0.90 $1.00

資產質量

2.47%2.00%2.50%3.00%3.50%4.00%$200,000$250,000$300,000$350,000$400,000 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022批評貸款*批評貸款佔總貸款的百分比，不包括購買力平價(千元)0.30%0.00%0.50%1.00%1.50%2.00%$-$25,000$50,000$75,000$100,000 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022貸款逾期30-89天/貸款總額*30-89 DPD佔貸款總額的百分比，不包括購買力平價(千美元)資產質量21*逾期30-89天的貸款與總貸款的比率(不包括購買力平價貸款)和批評貸款與總貸款的比率(不包括購買力平價貸款)是非GAAP財務指標。有關這些非公認會計原則財務指標與公認會計原則的對賬情況，請參閲附錄中的幻燈片44。

0.32%0.00%0.50%1.00%1.50%2.00%2.50%3.00%$-$25,000$50,000$75,000$100,000$125,000$150,000 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022不良資產*不良貸款佔資產的百分比，不包括購買力平價(千元)0.03%0.00%0.20%0.40%0.60%0.80%$-$5,000$10,000$15,000$20,000 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022淨撇賬/平均貸款*平均貸款淨撇賬百分比，不包括購買力平價(以千美元為單位)資產質量22*不良資產與總資產之比(不包括購買力平價貸款)和淨沖銷與平均貸款之比(不包括購買力平價貸款)是非GAAP財務指標。有關這些非公認會計原則財務指標與公認會計原則的對賬情況，請參閲附錄中的幻燈片45。

1.62%1.00%1.20%1.40%1.60%1.80%2.00%$140,000$150,000$160,000$170,000$180,000 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022津貼佔總貸款的百分比，不包括購買力平價(千美元)319%200%250%300%350%400%$140,000$150,000$160,000$170,000$180,000 1Q2021 2Q 2021 3Q 2021 4Q2022撥備/不良貸款撥備佔不良貸款總額的百分比(以千為單位)ACL指標23*信貸損失撥備佔總貸款(不包括PPP貸款)的百分比是非GAAP財務指標。關於這一非公認會計準則財務指標與公認會計準則的對賬情況，請參閲附錄中的幻燈片44。

ACL Summary ($ in thousands) ACL ACL as a % of Loans ACL ACL as a % of Loans SBA Paycheck Protection Program - - - - Commercial, Financial, Agricultural 33,922$ 2.49 33,606$ 2.32 Lease Financing Receivables 1,486 1.95 1,582 1.76 Real Estate - 1-4 Family Mortgage 32,356 1.19 36,848 1.30 Real Estate - Commercial Mortgage 68,940 1.52 65,231 1.42 Real Estate - Construction 16,419 1.49 18,411 1.51 Installment loans to individuals 11,048 7.71 10,790 7.87 Allowance for Credit Losses on Loans 164,171 1.64 166,468 1.61 Allowance for Credit Losses on Deferred Interest 1,273 1,266 Reserve for Unfunded Commitments 20,035 19,485 Total Reserves 185,479$ 187,219$ 3/31/202212/31/2021 24

吸收虧損能力25(單位：千美元)2022年3/31/2022年信貸損失準備166,468美元無資金承付款準備金19,485採購會計折扣14,102總吸收虧損能力200,055美元

獲利能力

淨收入及經調整撥備前淨收入*27$57.9$40.9$40.1$37.1$33.5$62.3$48.8$50.2$49.2$42.7 1.66%1.24%1.23%1.19%1.04%2021 2Q2021 3Q2021 4Q2021 1Q2022淨收入P調整PPNR(非GAAP)*調整PPNR/Avg資產(非GAAP)*注：以百萬美元為單位*調整後的撥備前淨收入和調整後的撥備前淨收入/平均資產是非GAAP財務指標。見附錄中的幻燈片35和36，以説明排除情況以及這些非公認會計準則財務計量與公認會計準則的對賬情況。

公佈和調整後的攤薄每股收益*28$1.02$.72$.71$.66$.60$.85$.73$.71$.68$.60$-$0.20$0.40$0.60$0.80$1.00$1.20 1Q2021 2Q2021 3Q2021 4Q2021 1Q2022攤薄後每股收益(非GAAP)**攤薄每股收益(調整後)是非GAAP財務指標。請參閲附錄中的幻燈片37，以瞭解排除情況的説明以及該非GAAP財務指標與GAAP的對賬情況。

盈利比率29 10.81%7.40%7.16%6.59%6.05%16.68%13.64%13.13%12.31%10.99%0.00%2.00%4.00%6.00%8.00%10.00%12.00%14.00%16.00%18.00%1Q2021 2Q2021 3Q2021 4Q2021 1Q2022 ROE(調整後)(非GAAP)*1.54%1.04%0.99%0.89%0.81%1.29%1.04%0.99%0.92%0.82%0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%1.40%1.60%1.60%1.80%1Q 2021 2Q 2021 3Q 2021 1Q 2022 ROAA(調整後)(非GAAP)*平均股本回報率(ROE)平均資產回報率(ROAA)*ROAA(調整後)和ROTCE(調整後)為非GAAP財務指標。見附錄中的幻燈片36和38，以説明排除情況以及這些非公認會計原則財務措施與公認會計原則的對賬情況。

核心淨利息收入及核心淨息差*30$111.3$111.2$105.0$103.3$101.4 3.37%3.19%2.93%2.81%2.76%3.12%2.92%2.76%2.71%1Q20212Q20213Q20214Q20211Q2022核心NII(FTE)(非公認會計準則)*非核心NII NIM核心NIM(非公認會計準則)*注：以百萬元為單位*核心淨利息收入(FTE)及核心淨息差為非公認會計準則財務指標。有關這些非公認會計原則財務指標與公認會計原則的對賬情況的説明，請參閲附錄中的幻燈片39。

注：以千元計$81,037$47,610$50,755$47,582$37,458 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022服務收費及佣金保險財富管理按揭銀行證券收益其他非利息收入31服務收費25%費用及佣金11%保險7%財富管理16%抵押銀行26%其他15%2022年第一季度-非利息收入貢獻·財富管理和保險在2022年第一季度繼續產生強勁業績·抵押貸款銀行收入與上一季度持平，但繼續經歷保證金壓縮帶來的收益

Mortgage Banking 32 Mortgage MixMortgage banking income Gain on sale margin* *Gain on sale margin excludes pipeline fair value adjustments included in “Gain on sales of loans, net” in the table above. ($ in thousands) 1Q21 4Q21 1Q22 Gain on sales of loans, net 33,901$ 10,801$ 6,047$ Fees, net 4,902 4,320 3,053 Mortgage servicing income, net (1,631) (395) 533 MSR valuation adjustment 13,561 - - Mortgage banking income, net 50,733$ 14,726$ 9,633$ 3.85% 2.73% 2.23% 2.01% 1.81% Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 $1.7 $1.5 $1.4 $1.2 $1.2 $- $0 $0 $1 $1 $1 $1 $1 $2 $2 $2 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Locked Volume (in billions) (in %) 1Q21 4Q21 1Q22 Wholesale 43 38 38 Retail 57 62 62 Purchase 53 65 73 Refinance 47 35 27

非利息支出和效率比率33工資和員工福利66%數據處理5%淨佔用和設備12%無形攤銷1%其他16%2022年第一季度-非利息支出組合(以千美元為單位)4Q21第一季度變化工資和員工福利62,523$62,239$(284)$數據處理5,346 4,263(1,083)淨佔用和設備11,177 11,276 99無形攤銷1,424 1,366(58)債務預付罰款6,123-(6,123)其他14,522 14,961 439總計101,115$94,105$(7,010)$60%68%67%67%68%64%67%66%64%67%2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022效率比率(GAAP)調整後的效率比率(非GAAP)*·非利息支出減少了700萬美元·2021年第四季度確認的債務預付罰金減少了610萬美元·數據處理減少是由於合同重新談判實現的節省·2022年第一季度關閉了3個分支機構，作為公司正在進行的分支機構評估工作的一部分*調整後的效率比率是非GAAP財務指標。請參閲附錄中的幻燈片41，以瞭解排除情況的説明以及該非GAAP財務指標與GAAP的對賬情況。

附錄

Reconciliation of Non-GAAP Disclosures Adjusted Pre-Provision Net Revenue 35(1) Primarily consists of employee overtime and employee benefit accruals directly related to the response to the COVID-19 pandemic and federal legislation enacted to address the pandemic, such as the CARES Act, and expenses associated with supplying branches with protective equipment and sanitation supplies (such as floor markings and cautionary signage for branches, face coverings and hand sanitizer) as well as more frequent and rigorous branch cleaning. $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Net income (GAAP) 57,908$ 40,867$ 40,063$ 37,054$ 33,547$ Income taxes 16,842 7,545 11,185 11,363 7,935 Provision for credit losses (including unfunded commitments) - - (1,400) (768) 950 Pre-provision net revenue (non-GAAP) 74,750$ 48,412$ 49,848$ 47,649$ 42,432$ Merger and conversion expense - - - - 687 Debt prepayment penalties - - - 6,123 - Swap termination gains - - - (4,676) - MSR valuation adjustment (13,561) - - - - Restructuring charges 292 15 - 61 (455) COVID-19 related expenses(1) 785 370 323 33 - Adjusted pre-provision net revenue (non-GAAP) 62,266$ 48,797$ 50,171$ 49,190$ 42,664$

Reconciliation of Non-GAAP Disclosures Adjusted Pre-Provision Net Revenue/Average Assets 36 (1) See footnote 1 on slide 35 for an explanation of the types of expenses included in the COVID-19 related expenses line item. (2) Tax effect is calculated based on the respective periods’ effective tax rate excluding the impact of discrete items. (3) See slide 35 for a reconciliation of Adjusted pre-provision net revenue. $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Net income (GAAP) 57,908$ 40,867$ 40,063$ 37,054$ 33,547$ Merger and conversion expense - - - - 687 Debt prepayment penalties - - - 6,123 - Swap termination gains - - - (4,676) - MSR valuation adjustment (13,561) - - - - Restructuring charges 292 15 - 61 (455) COVID-19 related expenses(1) 785 370 323 33 - Tax effect of adjustments noted above(2) 2,820 (83) (71) (363) (51) Net income with exclusions (non-GAAP) 48,244$ 41,169$ 40,315$ 38,232$ 33,728$ Adjusted pre-provision net revenue (non-GAAP)(3) 62,266$ 48,796$ 50,171$ 49,190$ 42,664$ Total average assets 15,203,691$ 15,831,018$ 16,130,149$ 16,450,640$ 16,697,264$ Return on Average Assets (GAAP) 1.54% 1.04% 0.99% 0.89% 0.81% Return on Average Assets (Adjusted) (non-GAAP) 1.29% 1.04% 0.99% 0.92% 0.82% Adjusted pre-provision net revenue/Average assets (non-GAAP) 1.66% 1.24% 1.23% 1.19% 1.04%

Reconciliation of Non-GAAP Disclosures 37 Adjusted Diluted Earnings Per Share (1) See footnote 1 on slide 35 for an explanation of the types of expenses included in the COVID-19 related expenses line item. (2) Tax effect is calculated based on the respective periods’ effective tax rate excluding the impact of discrete items. $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Net income (GAAP) 57,908$ 40,867$ 40,063$ 37,054$ 33,547$ Merger and conversion expense - - - - 687 Debt prepayment penalties - - - 6,123 - Swap termination gain - - - (4,676) - MSR valuation adjustment (13,561) - - - - Restructuring charges 292 15 - 61 (455) COVID-19 related expenses(1) 785 370 323 33 - Tax effect of adjustments noted above(2) 2,820 (83) (71) (363) (51) Net income with exclusions (non-GAAP) 48,244$ 41,169$ 40,315$ 38,232$ 33,728$ Diluted shares outstanding (average) 56,519,199 56,635,898 56,447,184 56,105,050 56,081,863 Diluted EPS (GAAP) 1.02$ 0.72$ 0.71$ 0.66$ 0.60$ Adjusted Diluted EPS (non-GAAP) 0.85$ 0.73$ 0.71$ 0.68$ 0.60$

Reconciliation of Non-GAAP Disclosures 38 Return on Average Tangible Common Equity (Adjusted) (1) See footnote 1 on slide 35 for an explanation of the types of expenses included in the COVID-19 related expenses line item. (2) Tax effect is calculated based on the respective periods’ effective tax rate excluding the impact of discrete items. $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Net income (GAAP) 57,908$ 40,867$ 40,063$ 37,054$ 33,547$ Merger and conversion expense - - - - 687 Debt prepayment penalties - - - 6,123 - Swap termination gain - - - (4,676) - MSR valuation adjustment (13,561) - - - - Restructuring charges 292 15 - 61 (455) COVID-19 related expenses(1) 785 370 323 33 - Tax effect of adjustments noted above(2) 2,820 (83) (71) (363) (51) Net income with exclusions (non-GAAP) 48,244$ 41,169$ 40,315$ 38,232$ 33,728$ Amortization of intangibles 1,598 1,539 1,481 1,424 1,366 Tax effect of adjustment noted above(2) (361) (333) (323) (335) (303) Tangible net income with exclusion (non-GAAP) 49,481$ 42,375$ 41,473$ 39,321$ 34,791$ Average shareholders' equity (GAAP) 2,172,425$ 2,213,743$ 2,219,431$ 2,231,681$ 2,249,667$ Intangibles 969,001 967,430 965,960 964,575 965,430 Average tangible shareholders' equity (non-GAAP) 1,203,424$ 1,246,313$ 1,253,471$ 1,267,106$ 1,284,237$ Return on Average Equity (GAAP) 10.81% 7.40% 7.16% 6.59% 6.05% Return on Average Tangible Common Equity (Adjusted) (non-GAAP) 16.68% 13.64% 13.13% 12.31% 10.99%

Reconciliation of Non-GAAP Disclosures Core Net Interest Income (FTE) and Core Net Interest Margin 39 $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Net interest income (FTE) (GAAP) 111,264$ 111,205$ 105,002$ 103,249$ 101,383$ Less: Net interest income collected on problem loans 2,180 1,339 316 578 434 Accretable yield recognized on purchased loans 3,088 2,638 2,871 2,187 1,235 Interest income on PPP loans 10,687 10,120 3,503 485 619 Core net interest income (FTE) (non-GAAP) 95,309$ 97,108$ 98,312$ 99,999$ 99,095$ Total average earning assets 13,358,677$ 13,989,264$ 14,256,421$ 14,607,716$ 14,841,146$ Less: Average PPP loans 985,561 628,462 126,870 62,726 39,506 Adjusted total average earning assets (non-GAAP) 12,373,116$ 13,360,802$ 14,129,551$ 14,544,990$ 14,801,640$ Net interest margin (GAAP) 3.37% 3.19% 2.93% 2.81% 2.76% Core net interest margin (non-GAAP) 3.12% 2.92% 2.76% 2.73% 2.71%

Reconciliation of Non-GAAP Disclosures Core Loan Yield 40 $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Loan interest income (FTE) (GAAP) 113,072$ 110,785$ 103,769$ 99,670$ 97,001$ Less: Net interest income collected on problem loans 2,180 1,339 316 578 434 Accretable yield recognized on purchased loans 3,088 2,638 2,871 2,187 1,235 Interest income on PPP loans 10,687 10,120 3,503 485 619 Adjusted loan interest income (FTE) (non-GAAP) 97,117$ 96,688$ 97,079$ 96,420$ 94,713$ Total average loans 10,802,991$ 10,478,121$ 10,017,742$ 9,948,610$ 10,108,511$ Less: Average PPP loans 985,561 628,462 126,870 62,726 39,506 Adjusted total average loans (non-GAAP) 9,817,430$ 9,849,659$ 9,890,872$ 9,885,884$ 10,069,005$ Loan yield (GAAP) 4.24% 4.24% 4.11% 3.98% 3.88% Core loan yield (non-GAAP) 4.01% 3.94% 3.89% 3.87% 3.82%

Reconciliation of Non-GAAP Disclosures Adjusted Efficiency Ratio 41(1) See footnote 1 on slide 35 for an explanation of the types of expenses included in the COVID-19 related expenses line item. $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Net interest income (FTE) (GAAP) 111,264$ 111,205$ 105,002$ 103,249$ 101,383$ Total noninterest income (GAAP) 81,037 47,610 50,755 47,582 37,458 Securities gains 1,357 - 764 49 - Swap termination gain - - - 4,676 - MSR valuation adjustment 13,561 - - - - Adjusted total noninterest income (non-GAAP) 66,119$ 47,610$ 49,991$ 42,857$ 37,458$ Total income (FTE) (non-GAAP) 177,383$ 158,815$ 154,993$ 146,106$ 138,841$ Total noninterest expense (GAAP) 115,935$ 108,777$ 103,999$ 101,115$ 94,105$ Amortization of intangibles 1,598 1,539 1,481 1,424 1,366 Merger-related expenses - - - - 687 Debt prepayment penalty - - - 6,123 - Restructuring charges 292 15 - 61 (455) Provision for unfunded commitments - - (200) (300) (550) COVID-19 related expenses (1) 785 370 323 33 - Adjusted total noninterest expense (non-GAAP) 113,260$ 106,853$ 102,395$ 93,774$ 93,057$ Efficiency Ratio (GAAP) 60.29% 68.49% 66.77% 67.04% 67.78% Adjusted Efficiency Ratio (non-GAAP) 63.85% 67.28% 66.06% 64.18% 67.02%

Reconciliation of Non-GAAP Disclosures Tangible Common Equity 42 $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Actual shareholders' equity (GAAP) 2,173,701$ 2,203,807$ 2,203,944$ 2,209,853$ 2,137,642$ Intangibles 968,225 966,686 965,205 963,781 969,022 Actual tangible shareholders' equity (non-GAAP) 1,205,476$ 1,237,121$ 1,238,739$ 1,246,072$ 1,168,620$ Actual total assets (GAAP) 15,622,571$ 16,022,386$ 16,155,550$ 16,810,311$ 16,863,757$ Intangibles 968,225 966,686 965,205 963,781 969,022 Actual tangible assets (non-GAAP) 14,654,346$ 15,055,700$ 15,190,345$ 15,846,530$ 15,894,735$ Tangible Common Equity Ratio Shareholders' equity to (actual) assets (GAAP) 13.91% 13.75% 13.64% 13.15% 12.68% Effect of adjustment for intangible assets 5.68% 5.53% 5.49% 5.29% 5.33% Tangible common equity ratio (non-GAAP) 8.23% 8.22% 8.15% 7.86% 7.35%

Reconciliation of Non-GAAP Disclosures Tangible Book Value 43 $ in thousands (except share data) 2013 2014 2015 2016 2017 Actual shareholders' equity (GAAP) 665,652$ 711,651$ 1,036,818$ 1,232,883$ 1,514,983$ Intangibles 304,330 297,330 474,682 494,608 635,556 Actual tangible shareholders' equity (non-GAAP) 361,322$ 414,321$ 562,136$ 738,275$ 879,427$ Tangible Book Value Shares Outstanding 31,387,668 31,545,145 40,293,291 44,332,273 49,321,231 Book Value (GAAP) 21.21$ 22.56$ 25.73$ 27.81$ 30.72$ Tangible Book Value (non-GAAP) 11.51$ 13.13$ 13.95$ 16.65$ 17.83$ $ in thousands (except share data) 2018 2019 2020 2021 Q1 2022 Actual shareholders' equity (GAAP) 2,043,913$ 2,125,689$ 2,132,733$ 2,209,853$ 2,137,642$ Intangibles 977,793 976,943 969,823 963,781 969,022 Actual tangible shareholders' equity (non-GAAP) 1,066,120$ 1,148,746$ 1,162,910$ 1,246,072$ 1,168,620$ Tangible Book Value Shares Outstanding 58,546,480 56,855,002 56,200,487 55,756,233 55,880,666 Book Value (GAAP) 34.91$ 37.39$ 37.95$ 39.63$ 38.25$ Tangible Book Value (non-GAAP) 18.21$ 20.20$ 20.69$ 22.35$ 20.91$

Reconciliation of Non-GAAP Disclosures Asset Quality Ratios excluding PPP loans 44 $ in thousands 1Q 2021 2Q 2021 3Q 2021 4Q 2021 1Q 2022 Total loans (GAAP) 10,688,408$ 10,149,242$ 10,016,824$ 10,020,914$ 10,313,459$ Less: PPP loans 860,864 246,931 67,462 58,391 8,382 Adjusted total loans (non-GAAP) 9,827,544$ 9,902,311$ 9,949,362$ 9,962,523$ 10,305,077$ Loans 30-89 Days Past Due 21,801 15,077 14,806 27,604 30,617 Loans 30-89 Days Past Due / Total Loans 0.20% 0.15% 0.15% 0.28% 0.30% Loans 30-89 Days Past Due / Total Loans excluding PPP loans (non-GAAP) 0.22% 0.15% 0.15% 0.28% 0.30% Classified Loans 229,244 206,724 187,223 160,790 178,015 Special Mention Loans 120,320 125,507 138,497 115,496 76,949 Criticized Loans 349,564 332,231 325,720 276,286 254,964 Criticized Loans / Total Loans 3.27% 3.27% 3.25% 2.76% 2.47% Criticized Loans / Total Loans excluding PPP loans (non-GAAP) 3.56% 3.36% 3.27% 2.77% 2.47% Nonperforming Loans 56,105 56,536 56,740 50,805 52,242 Nonperforming Loans / Total Loans 0.52% 0.56% 0.57% 0.51% 0.51% Nonperforming Loans / Total Loans excluding PPP loans (non-GAAP) 0.57% 0.57% 0.57% 0.51% 0.51% Allowance for Credit Losses on Loans 173,106 172,354 170,038 164,171 166,468 ACL / Total Loans 1.62% 1.70% 1.70% 1.64% 1.61% ACL / Total Loans excluding PPP loans (non-GAAP) 1.76% 1.74% 1.71% 1.65% 1.62%

Reconciliation of Non-GAAP Disclosures Asset Quality Ratios excluding PPP loans, continued 45 $ in thousands Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Total average loans (GAAP) 10,802,991$ 10,478,121$ 10,017,742$ 9,948,610$ 10,108,511$ Less: Average PPP loans 985,561 628,462 126,870 62,726 39,506 Adjusted total average loans (non-GAAP) 9,817,430$ 9,849,659$ 9,890,872$ 9,885,884$ 10,069,005$ Total assets (GAAP) 15,622,571$ 16,022,386$ 16,155,550$ 16,810,311$ 16,863,757$ Less: PPP loans 860,864 246,931 67,462 58,391 8,382 Adjusted total assets (non-GAAP) 14,761,707$ 15,775,455$ 16,088,088$ 16,751,920$ 16,855,375$ Nonperforming Assets 62,076 61,475 61,445 53,345 54,304 Nonperforming Assets / Total Assets 0.40% 0.38% 0.38% 0.32% 0.32% Nonperforming Assets / Total Assets excluding PPP loans (non-GAAP) 0.42% 0.39% 0.38% 0.32% 0.32% Net charge-offs 3,038 752 1,116 5,367 851 Annualized Net charge-offs / Average Loans 0.11% 0.03% 0.04% 0.21% 0.03% Annualized Net charge-offs / Average Loans excluding PPP loans (non-GAAP) 0.13% 0.03% 0.04% 0.22% 0.03%

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