FWP 1 tm2223404d2_fwp.htm FWP

Subordinated Notes Offering August 2022 Filed Pursuant to Rule 433 Supplementing the Preliminary Prospectus Dated August 15, 2022 Registration No. 333 - 260993 August 15, 2022

2 Forward - Looking Statements & Other Disclaimers This presentation contains forward - looking statements within the meaning of the federal securities laws . These statements include statements with respect to Flushing Financial Corporation’s (“we”, “our”, “us” or the “Company”) beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates, intentions and future performance and involve known and unknown risks, uncertainties and other factors, many of which may be beyond our control and that may cause the actual results, performance or achievements of the Company to be materially different from future results, performance or achievements expressed or implied by such forward - looking statements . All forward - looking statements are subject to risks, uncertainties and other factors that may cause our actual results, performance or achievements to differ materially from any results expressed or implied by such forward - looking statements . Such factors include, among others, the impact of the COVID - 19 pandemic, changes in interest rates, the mix of loan types, failure to effectively manage our liquidity, our ability to obtain brokered deposits, highly competitive markets, changes in national and/or local economic conditions, changes in laws and regulations, banking industry conditions and regulation, a failure in or breach of operational or security systems or infrastructure, changes in cybersecurity or privacy regulations, increased delays in foreclosure proceedings, our inability to hire or retain key personnel, uncertainty surrounding the elimination of LIBOR, global climate change, ESG requirements, impairment of goodwill recorded as a result of acquisitions, realization of our deferred tax assets, and changes in interest rates, including recent and perhaps future increases fueled by inflation . These and other factors are more fully described under “Risk Factors” in Item 1 A of our most recent Annual Report on Form 10 - K for the fiscal year ended December 31 , 2021 , filed with the SEC on March 7 , 2022 , and other factors discussed in the filings we make with the SEC under the Securities Exchange Act of 1934 , as amended . All forward - looking statements attributable to the Company are expressly qualified in their entirety by these cautionary statements . Forward - looking statements speak only as of the date on which such statements are made . Except as required by law, we disclaim any obligation to update these forward - looking statements, whether as a result of new information, future events or otherwise . There is no assurance that future results, levels of activity, performance or goals will be achieved .

3 Additional Information and Where to Find It The Company has filed a registration statement (including a prospectus) (File No . 333 - 260993 ) and a preliminary prospectus supplement with the Securities and Exchange Commission ("SEC") for the offering to which this presentation relates . Before you invest, you should read the prospectus and the preliminary prospectus supplement and the other documents that the Company has filed with the SEC for more complete information about the Company and the offering . You may get these documents for free by visiting EDGAR on the SEC's website at www . sec . gov . Alternatively, the Company, any underwriter or any dealer participating in the offering will arrange to send you copies of the prospectus and the preliminary prospectus supplement relating to the offering if you request it by emailing Piper Sandler & Co . at fsg - dcm@psc . com .

4 Terms of the Proposed Subordinated Notes Offering Flushing Financial Corporation Issuer Subordinated Notes due 2032 Security Fixed - to - Floating Rate Structure 10 - year (non - call for 5 years) Term Book - Running Managers General corporate purposes Use of Proceeds SEC Registered Issuance Type Kroll Bond Rating Agency: BBB - Expected Security Rating¹ 1 A rating is not a recommendation to buy, sell or hold securities. Ratings may be subject to revision or withdrawal at any tim e b y the assignment rating organization. Each rating agency has its own methodology for assigning ratings and, accordingly, each rating should be evaluated independently of any other rating

5 Investment Highlights Conservative Underwriting with History of Solid Value Creation ► Leading Community Bank in the Greater NYC Area ► Well Diversified and Low Risk Loan Portfolio ► History of Sound Credit Quality since IPO in 1995 ► Asian Banking Niche ► Well Positioned to Capture Market Share Through In - Market Merger Disruption

6 Flushing Financial Snapshot (NASDAQ: FFIC) Competitive Advantages Balance Sheet & Market Data Assets $8.3B Loans $6.7B Deposits $6.4B 1 Equity $0.7B Dividend Yield 4.14% 3 Market Cap. $637MM 3 Financial Highlights GAAP/Core ROAA 2 1.06% / 1.00% GAAP/Core ROAE 2 12.91% / 12.08% GAAP/Core PPNR / AA 2 1.54% / 1.46% Efficiency Ratio 2 55.5% Tangible Book Value 2 $21.71/share YTD 2Q22 Key Statistics Footprint Deposits primarily from 25 branches in multi - cultural neighborhoods and our online division, consisting of iGObanking.com ® and BankPurely ® Strong Franchise and Diverse Business Mix • Bank founded in 1929 with long operating history of servicing the local markets in which it operates • Diversified loan portfolio with focus on commercial business loans, multi - family mortgages, and commercial real estate • Current/historical strong credit and capital positions ▪ Total real estate portfolio average LTV of <38.0% Track Record of Long Term Outperformance • Of the 69 publicly traded banks in Flushing’s markets in 1995, only 9 remain; FFIC has a total return of 1,011% compared to 802% for the peer median 4 and 936% for the S&P 500 Total Return 4 • Has maintained or increased its dividend over the past 105 consecutive quarters Strategic Opportunities • Optimizing funding mix through internet banks and Asian initiatives • Proactively managing balance sheet to enhance net interest income • Increase customer usage of mobile and online banking technology platform 1 Includes mortgagors’ escrow deposits; 2 See Appendix for reconciliation of Non - GAAP financial metrics; shown annualized; 3 Calculated using 6/30/22 closing price of $21.26 and 2Q22 dividends per share annualized; 4 Performance calculated from 11/21/1995 to 6/30/22; Banks include: CARV, CNOB, DCOM, FLIC, LBAI, NYCB, UNTY, and VLY

7 Strong Asian Banking Market Focus 15% of Total Deposits 1 $34B Market Potential (~3% Market Share 1 ) 6.9% FFIC 5 Year Asian Market CAGR vs 3.7% 2 for the Comparable Asian Markets 1 Includes mortgagors’ escrow deposits 2 As of June 30, 2021; Latest FDIC Data; includes Elmhurst Asian Communities – Total Loans $792.5MM and Deposits $ 959.8 MM Multilingual Branch Staff Serves Diverse Customer Base in NYC Metro Area Growth Aided by the Asian Advisory Board Expansion into Elmhurst (Queens) on June 6, 2022 Sponsorships of Cultural Activities Support New and Existing Opportunities

8 Experienced Executive Leadership Team All Senior Executives Have Over 20 Years of Experience in Banking Aligned Investor Interest with Insider Ownership of 6.1%² Allen Brewer SEVP, Chief Information Officer Tom Buonaiuto SEVP, Chief of Staff, Deposit Channel Executive Vincent Giovinco EVP, Commercial Real Estate Lending Jeoung Jin EVP, Residential and Mixed Use Theresa Kelly EVP, Business Banking Patricia Mezeul EVP, Director of Government Banking 14 years 48 years 14 years 1 30 years 2 years 24 years 24 years 29 years 16 years 38 years 14 years 42 years 1 Previously President and COO of Empire Bancorp and Empire National Bank from its inception in February 2008 until the sale to Fl ushing in October 2020. 2 Directors and executive officers as of June 30, 2022. John Buran President and CEO Maria Grasso SEVP, COO, Corporate Secretary Susan Cullen SEVP, CFO, Treasurer Francis Korzekwinski SEVP, Chief of Real Estate Michael Bingold SEVP, Chief Retail and Client Development Officer Douglas McClintock SEVP, General Counsel FFIC: 21 years Industry: 45 years 16 years 36 years 7 years 32 years 29 years 33 years 9 years 39 years <1 year 46 years

▪ GAAP Net Income $25.0MM, increasing 30% YoY; Core Net Income was $21.5MM 2 , differential driven by life insurance proceeds and net positive fair value adjustments in Q2 ▪ GAAP ROAA and ROAE 1.22% and 15.00%, respectively; Core ROAA and ROAE were 1.05% 2 and 12.90% 2 , respectively ▪ GAAP NIM increased 21 bps YoY; Core NIM rose 2 bps during 2Q22 to 3.33% 2 ▪ PPNR of $36.6MM, significantly improved YoY; Core PPNR² was $32.3MM ▪ GAAP efficiency ratio of 49.28%; Core efficiency ratio of 52.27% ▪ Period end loans, excluding Paycheck Protection Program (“PPP”), increased 3.4% from a year ago and 2.6% QoQ ▪ Average core deposits 3 increased to 87.3% of total average deposits in 2Q22 compared to 84.0% a year ago; average noninterest - bearing deposits up 13.1 % YoY ▪ NPAs increased to 59 bps of assets; driven by three relationships, one of which was resolved after quarter end; LTV on NPAs i s 5 0.7% ▪ Total real estate portfolio has an average LTV of <38.0% – 78% of all real estate loans have an LTV of 60% or less ▪ TCE/TA of 7.82%; Tier 1 Leverage of 8.91%; The Company and the Bank remain well capitalized under all applicable regulatory r equ irements 9 2Q22 Highlights: $0.81 GAAP EPS and $0.70 Core EPS 1 Efficiency ratio calculated by dividing non - interest expenses by the total of net interest income and non - interest income ² See Reconciliation of GAAP Earnings and Core Earnings in Appendix 3 Includes mortgagors’ escrow deposits Y/Y Q/Q 2Q22 1Q22 4Q21 3Q21 2Q21 Change Change Reported Results Net Income ($MM) $25.04 $18.22 $18.08 $25.41 $19.26 30 % 37 % PPNR ($MM) $36.56 $26.00 $23.59 $27.89 $23.82 53 % 41 % ROAA 1.22% 0.91% 0.89% 1.26% 0.93% 29 bps 31 bps ROAE 15.00 10.83 10.77 15.42 11.95 305 bps 417 bps NIM FTE 3.35 3.36 3.29 3.34 3.14 21 bps -1 bps Efficiency Ratio 1 49.3 59.9 62.2 56.6 58.8 -953 bps -1059 bps Core² Results Net Income ($MM) $21.52 $18.97 $20.97 $27.83 $22.99 -6 % 13 % PPNR ($MM) $32.32 $27.01 $27.26 $31.13 $30.00 8 % 20 % ROAA 1.05% 0.94% 1.04% 1.38% 1.11% -6 bps 11 bps ROAE 12.90 11.27 12.49 16.88 14.27 -137 bps 163 bps NIM FTE 3.33 3.31 3.21 3.27 3.14 19 bps 2 bps Efficiency Ratio 1 52.3 58.9 58.7 52.3 53.4 -111 bps -660 bps

Record Loan Closings; Loan Pipeline Remains At Elevated Levels 10 ▪ Closings accelerated in 2Q22 – Closings up 63.0% YoY excluding PPP – Organic growth opportunity remains – Closings could slow with rising interest rates ▪ Pipeline up 34.7% YoY – Second highest level after a record last quarter – Composition mirrors the current loan mix (~10% Residential - Mixed Use, ~60% CRE and ~30% Business Banking) – Weighted average yield of 4.38% ▪ Loan pull through rates remain strong – Pull through rates were 75.9% in 2Q22 compared to 76.7% in 1Q22 and 86.3% in 2Q21 Loan Pipeline Up 34.7% YoY ($MM) $432.6 $530.7 $429.3 $663.7 $582.6 $324.4 $243.9 $362.7 $329.3 $503.8 $- $100.0 $200.0 $300.0 $400.0 $500.0 $600.0 $700.0 2Q21 3Q21 4Q21 1Q22 2Q22 Loan Pipeline Loan Closings

11 25 Year Track Record of Steady Growth Core PPNR ($MM)³ Core Net Income ($MM)³ Tangible Book Value Per Share ($) Assets ($B) Total Gross Loans ($B)¹ Total Deposits ($B) ² $3.3 $40.5 1995 2000 2005 2010 2015 2020 YTD 2Q22 $6.3 $59.3 1995 2000 2005 2010 2015 2020 YTD 2Q22 $0.6 $6.4 1995 2000 2005 2010 2015 2020 2Q22 $0.3 $6.8 1995 2000 2005 2010 2015 2020 2Q22 $0.7 $8.3 1995 2000 2005 2010 2015 2020 2Q22 10% CAGR 9% CAGR 13% CAGR 12% CAGR 4 13% CAGR 4 $4.86 $21.71 0.00 5.00 10.00 15.00 20.00 25.00 1995 2000 2005 2010 2015 2020 2Q22 6% CAGR Note: Acquisition of Empire Bancorp in 2020 (loans and deposits acquired of $685MM and $854MM, respectively; assets acquired of $982MM); See Reconciliation of GAAP Earnings and Core Earnings as well as GAAP revenue to Core PPMR in Appendix ¹ Includes PPP balances of $151.9M and $22.2M as of December 31, 2020 and June 30, 2022, respectively ² Includes mortgagors’ esc row deposits ³ For the 12 - month periods ending December 31, 1995 through December 31, 2005, core financial metrics are assumed to equal GAAP financial metrics ⁴ Core PPNR and Core Net Income CAGRs calculated based on 1995Y through YTD 2Q22, annualized metrics Aggregate Dividends Paid Since 1995: $329.3MM Aggregate Share Buybacks Completed Since 1995: $241.6MM

12 Well - positioned to Benefit from Industry Merger Disruption • 10 bank mergers have been announced or closed involving Long Island area banks 2 • Out of the $328B of total industry deposits in Nassau, Queens, Kings, and Suffolk Counties, $87B or 27% involve a merger participant 3 • 93% of FFIC’s deposits are in the Long Island market, including Brooklyn and Queens Flushing Financial (FFIC) 1 M&T Bank (MTB)/ People’s United Financial (PBCT) (Closed April 1, 2022) Webster Financial (WBS)/ Sterling Bancorp (STL) (Closed Feb 1, 2022) Citizens Financial Group (CFG)/ HSBC (Closed Feb 18, 2022) / Investors Bancorp (ISBC) (Closed April 6, 2022) New York Community Bancorp (NYCB)/ Flagstar Bancorp (FBC) (Pending) Valley National Bancorp (VLY)/ The Westchester Bank (Closed Dec 1, 2021) / Bank Leumi USA (Closed April 1, 2022) Dime Community Bancshares (DCOM) (Closed Feb 1, 2021) TD Bank (TD)/First Horizon (FHN) (Pending) OceanFirst (OCFC)/Partners (PTRS) (Pending) Current Pro Forma U.S. Branches 1 24 FFIC branches shown, for illustrative purposes only; Shirley, NY location not pictured 2 Includes MTB/PBCT, WBS/STL, CFG/ISBC/HSBC, NYCB/FBC, VLY/The Westchester Bank/Bank Leumi USA, DCOM, TD/FHN, and OCFC/PTRS 3 Based on most recent S&P Global market deposit data (June 30, 2021) 42 people recruited (18 Revenue Producers) from Merged Institutions Since March 31, 2021

Digital Banking Usage Continues to Increase 13 Technology Enhancements Remain a Priority 28% Increase in Monthly Mobile Active Users YoY ~25,000 Active Online Banking Users 27% YoY Growth 14% Digital Banking Enrollment YoY Growth Numerated Small Business Lending Platform $10.7MM of Commitments in 1H22; Higher Yields vs Portfolio JAM FINTOP Early Look at Emerging Technology ~5,000 Zelle ® Transactions >$1.7MM Zelle Dollar Transactions in June 2022

3 4 1 2 Improve and Grow Funding Mix Generate Appropriate ly Priced Loan Growth ▪ Non - interest bearing DDA growth ▪ Increase core deposits ▪ Manage overall deposit costs ▪ Achieve historical loan growth ▪ Price loans in relation to acceptable risk ▪ More emphasis on floating - rate loans Manage Asset Quality Invest in the Future ▪ Continue conservative underwriting ▪ No change to risk profile ▪ Manage through the cycle returns ▪ Capitalize on merger disruption ▪ Continue digital adoption gains ▪ Appropriately manage operating expenses while continuing franchise investments 2022 Strategic Objectives: Growth Through Investment 14 Appropriately Manage the Short Term While Investing for the Long Term

Increase in Core Loan Yields > Increase in Core Deposit Yields 15 GAAP NIM FTE 3.14% 3.34% 3.29% 3.36% 3.35% $61.3 $62.2 $61.2 $62.7 $64.6 3.14% 3.27% 3.21% 3.31% 3.33% 4.06% 4.09% 4.05% 4.04% 4.15% 0.34% 0.30% 0.25% 0.22% 0.29% -0.25% 0.75% 1.75% 2.75% 3.75% 4.75% 5.75% $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 2Q21 3Q21 4Q21 1Q22 2Q22 Base NII FTE Net Prepayment Penalties Core NII FTE Core NIM FTE Core Loan Yields Core Deposit Yield ($MM) See Appendix for definitions of Core NII FTE and Core NIM, and Net Prepayment Penalties 11 bps QoQ Increase 7 bps QoQ Increase

Continued Growth in Noninterest Bearing Deposits 16 CDs Decline as a Percentage of Average Deposits 1 Total Average Deposits 1 ($MM) 1 Includes mortgage escrow deposits ▪ Average noninterest bearing deposit up 13.1% YoY ▪ Noninterest bearing deposits are 16.2% of average deposits 1 , up from 14.2% a year ago ▪ 2Q22 checking account openings up 17.6% YoY ▪ Deposit balance activity is consistent with normal seasonality $6,511 $6,408 $6,459 $6,410 $6,441 0.34% 0.29% 0.25% 0.21% 0.29% 0% 0% 0% 0% 1% 1% 1% 0 1000 2000 3000 4000 5000 6000 7000 2Q21 3Q21 4Q21 1Q22 2Q22 Noninterest Bearing NOW Accounts Savings Money Market CDs Mortgage Escrow Deposit Costs Average Noninterest Deposits ($MM) $923.2 $933.4 $976.8 $1,001.6 $1,044.6 -100 100 300 500 700 900 1100 1300 2Q21 3Q21 4Q21 1Q22 2Q22

Limited Deposit Rate Increases in 2Q22 17 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 Average Fed Funds Deposit Costs Weighted Average Deposit Beta of 9% in 1H22

$6,717 $6,627 $6,634 $6,601 $6,752 - 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 2Q21 3Q21 4Q21 1Q22 2Q22 Multifamily Commercial Real Estate Construction 1-4 Family Business Banking Loan Growth Returns; Yields Increase YOY and QoQ 18 Core Loan Yields 4.06% 4.09% 4.05% 4.04% 4.15% Loan Composition Period End Loans ($MM) ▪ Net loans, excluding PPP, increased 3.4% YoY ▪ PPP loans declined 49% QoQ to $22.2MM ▪ Loan pipeline totaled $582.6MM at June 30, 2022, up 34.7% YoY; second highest in history ▪ Core loan yields improve 11 bps QoQ; expect continue improvement with rising rates ▪ Spread between closings and satisfaction yields excluding PPP turned positive in 2Q22 See Appendix for definitions of Core Loan Yields Closings vs Satisfaction Yields Excluding PPP 3.51% 3.64% 3.51% 3.44% 3.92% 3.81% 4.04% 3.90% 3.76% 3.64% - 0.30% - 0.40% - 0.39% - 0.32% 0.28% -0.45% -0.35% -0.25% -0.15% -0.05% 0.05% 0.15% 0.25% 0.35% 3.10% 3.20% 3.30% 3.40% 3.50% 3.60% 3.70% 3.80% 3.90% 4.00% 4.10% 2Q21 3Q21 4Q21 1Q22 2Q22 Closings Yield Ex PPP Satisfaction Yield Ex PPP Spread

46% of the Portfolio to Reprice Upwards Through 2024 19 ▪ Floating rate loans include any loans (including swaps) tied to an index that reprices within 90 days ▪ Loans to reprice ~120 bps higher over time assuming index values as of June 30, 2022 ▪ 15% of loans reprice within a quarter; while 5% and 15% of loans to reprice in 2H22 and 2023, respectively Loan Repricing 1 ($MM) 1 Data as of June 30, 2022; Does not reflect any Fed rate increases after June 30, 2022 $986 $322 $982 $811 4.26% 4.32% 4.23% 4.30% 4.54% 5.96% 5.77% 5.77% - 200 400 600 800 1,000 1,200 Floating 2H22 2023 2024 Adjustable Loan Repricing Maturing Fixed Rate Total Loan Repicing Current Rate Repricing Rate

$321 $196 $75 $230 $50 2.09% 1.61% 0.57% 0.70% 0.80% 2023 2024 2025 Effective Swaps Maturities Forward Swaps Start Date Effective WA Rate Forward WA Rate $MM 20 Swaps Help Protect NIM from Rising Short - Term Rates ▪ The balance sheet naturally improves over the next two years without any changes in rates – $592MM of effective swaps at 1.74%; current drag on NIM; the majority mature by the end of 2025 – $280MM of forward starting swaps at 0.72% that largely replace the current effective swaps

21 Loan Composition Mortgage Loans $2.5 48% $1.9 35% $0.6 11% $0.2 5% $0.1 1% Multifamily Residential Commercial Real Estate One - to - Four Family ― Mixed - Use One - to - Four Family ― Residential Construction $5.3B Portfolio Commercial Business Loans $1.5B Portfolio Well Diversified Loan Portfolios Within both the Mortgage and Non - Mortgage Segments $1.4 97% $0.0 2% $0.0 1% Commercial Business and Other PPP Small Business Administration

Well Secured Multifamily and CRE Portfolios 22 Underwrite Real Estate Loans with a Cap Rate in Mid - 5s and Stress Test Each Loan Multifamily Geography 16% 31% 19% 17% 17% Bronx Kings Manhattan Queens Other $2.5B Portfolio • Average loan size: $1.1MM • Average monthly rent of $1,307 vs $2,974 1 for the market • Weighted average LTV 2 is 45% with no loans having an LTV above 75% • Weighted average DCR is ~1.8x 3 • Borrowers typically do not sell properties, but refinance to buy more properties • New York overall multifamily market vacancy rates have dropped below 2% again after rising above 3% in 2020 4 • Average loan size: $2.4MM • Weighted average LTV 2 is 50% with no loans having an LTV above 75% • Weighted average DCR is ~1.8x 3 • ~21% of the portfolio outside of branch footprint • Require primary operating accounts Non - Owner Occupied CRE Geography 8% 17% 17% 21% 8% 7% 9% 2% 11% Bronx Kings Manhattan Queens Other NY Nassau Suffolk NJ CT/Other $1.9B Portfolio 1 CoStar New York Multifamily Market Report, 7 - 12 - 2022 2 LTVs are based on value at origination 3 Based on most recent Annual Loan Review ⁴ Marcus & Millichap Multifamily Market Report, Q2 2022

23 Loans Secured by Real Estate Have an Average LTV of <38% Multifamily ▪ Primarily in market lending ▪ Review net operating income and the collateral plus the financial resources and income level of the borrower (including experience in managing or owning similar properties) ▪ ARMs adjust each 5 - year period with terms up to 30 years and comprise 80% of the portfolio; prepayment penalties are reset for each 5 - year period Commercial Real Estate ▪ Secured by in market office buildings, hotels/motels, small business facilities, strip shopping centers, and warehouses ▪ Similar underwriting standards as multifamily ▪ ARMs adjust each 5 - year period with terms up to 30 years and comprise 82% of the portfolio Well Secured and Diversified Real Estate Portfolio Data as of June 30, 2022 58% 11% 7% 9% 4% 6% 3% 2% Multifamily: 58% General Commercial: 11% CRE - Shopping Center: 7% CRE - Strip Mall: 9% CRE - Single Tenant: 4% Office: 6% Industrial: 3% Commercial Special Use: 2% $ 4.4 B Total Portfolio

24 Well Diversified Commercial Business Portfolio Commercial Business ▪ Primarily in market lending ▪ Annual sales up to $250MM ▪ Lines of credit and term loans, including owner occupied mortgages ▪ Loans secured by business assets, including account receivables, inventory, equipment and real estate ▪ Personal guarantees are generally required ▪ Originations are generally $100,000 to $10MM ▪ Adjustable rate loans with adjustment periods of five years for owner - occupied mortgages and for lines of credit the adjustment period is generally monthly ▪ Generally not subject to limitations on interest rate increases but have interest rate floors Average loan size of $1MM, excluding PPP Data as of June 30, 2022 14% 11% 9% 8% 6% 6% 6% 6% 5% 5% 3% 3% 3% 3% 2% 2% 2% 1% 1% 1% 1% 1% Other: 14% Wholesalers: 11% Trucking/ Vehicle Transport: 9% Hotels: 8% Construction / Contractors: 6% Real Estate: 6% Manufacturer: 6% Financing Company: 6% Medical Professionals: 5% Professional Services (Excluding Medical): 5% Apparel: 3% Automobile Related: 3% Civic and Social Organizations: 3% Theaters: 3% Media: 2% Schools/ Daycare Centers: 2% Restaurants: 2% Food Services: 1% Fitness and Recreational Sports Centers: 1% Airlines: 1% Electrical Equipment: 1% Healthcare: 1% $ 1.5B Total Portfolio Real Estate Collateral $708 MM

▪ Over two decades and multiple credit cycles, Flushing Financial has a history of better than industry credit quality ▪ Average LTVs on the Real Estate portfolio is <38% 4 – Only $21.7MM of real estate loans (0.3% of gross loans) with an LTV of 75% or more 4 Net Charge - offs Significantly Better Than the Industry; Strong DSR 25 NCOs / Average Loans 0.01% 0.25% 3 -0.2% 0.3% 0.8% 1.3% 1.8% 2.3% 2.8% 3.3% 2001 2003 2005 2007 2009 2011 2013 2015 2017 2019 2021 FFIC Industry 3 basis points of Net Recoveries to Average Loans in 2Q22 1H22 Weighted average debt service ratios (DSR) for Multifamily and NOO CRE portfolios at 1.8x 1 - 200 bps shock increase in rates produces a weighted average DSR of >1.25x 2 - 10% increase in operating expense yields a weighted average DSR of >1.50x 2 - 200 bps shock increase in rates and 10% increase in operating expenses results in a weighted average DSR >1.15 2 3 1 Based on most recent Annual Loan Review 2 Based on a sample of loan comprising 89% of loans adjusting from (2022 - 2024) with no increase in rents or total income 3 “Industry” includes FDIC insured institutions from “FDIC Statistics At A Glance” through March 31, 2022 4 Based on appraised value at origination

$2,532 $1,865 $561 $243 $8 $72 $41 $1,431 Multi-family residential Commercial real estate One-to-four family - mixed- use property One-to-four family - residential Co-operative apartments Construction Small Business Administration Commercial business and other Loan Balance ($MM) 1.03% 1.04% 0.87% 0.90% 0.85% 0.75% 0.85% 0.95% 1.05% 1.15% 1.25% 1.35% 2Q21 3Q21 4Q21 1Q22 2Q22 Criticized & Classified Loans / Gross Loans 0.22% 0.25% 0.19% 0.17% 0.59% 2Q21 3Q21 4Q21 1Q22 2Q22 NPAs / Assets 26 Continued Strong Credit Quality NPAs / Assets Criticized and Classified Loans / Gross Loans ACL / Gross Loans & ACL / NPLs ACL by Loan Segment (2Q22) 50.7% LTV on 2Q22 NPAs 1 242.6% 179.9% 248.7% 266.1% 141.1% 0.64% 0.55% 0.56% 0.57% 0.58% 0% 0% 0% 1% 1% 1% 1% 1% 2% 2% 2% 0% 50% 100% 150% 200% 250% 300% 2Q21 3Q21 4Q21 1Q22 2Q22 ACLs / NPLs ACLs / Loans Allowance for Credit Losses / Loan Balance 0.37% 0.45% 0.35% 0.36% --- 0.42% 5.22% 1.24% 1 Increase in 2Q22 driven by three relationships, one of which was resolved after quarter end; Largest outstanding relationship of $24M has combined LTV of 63%, collateralized by commercial real estate in Manhattan; Other outstanding relationship of $10M is an export business also with over - collateralizati on

27 Liquidity & Securities Liquidity Position & Sources (2Q22) AFS Securities Portfolio (2Q22) HTM Securities Portfolio (2Q22) Agency MBS $7.9 Muni Tax Exempt $66.2 U.S. Treasuries $83.0 MBS $510.9 CLO $126.0 Corporate Bonds $124.5 Other $1.7 Mutual Fund $11.6 $ 74 MM Total Portfolio $858MM Total Portfolio Interest Earning Deposits 2% FHLB Borrowing Capacity 61% Cash Lines 21% Unencumbered Securities Collateral 16% $3.3B Source $MM Excess Cash $54.6 FHLB Borrowing Capacity 2,019.6 Cash Lines with Commercial Banks 695.0 Unencumbered Securities Collateral 546.4 Total $3,315.6 39.8%¹ Total Liquidity / Total Assets 1 Total Liquidity to Total Assets assumes 5% haircut on unencumbered securities collateral

28 Double Leverage & Interest Coverage Actual Pro Forma For the Twelve Months Ended, Year-to-Date Year-to-Date ($ in thousands) 12/31/2019 12/31/2020 12/31/2021 6/30/2022 6/30/2022 Investment in Subsidiaries $685,975 $728,097 $845,561 $835,830 $884,705 Consolidated Equity $579,672 $618,997 $679,628 $670,812 $670,812 Double Leverage Ratio 118.3% 117.6% 124.4% 124.6% 131.9% Pre-Tax Income $53,331 $45,182 $109,278 $59,611 $58,174 Deposit Interest Expense $88,057 $42,312 $20,324 $8,094 $8,094 Borrowings Interest Expense $28,959 $26,816 $20,269 $9,308 $9,308 Subordinated Debt Interest - Proposed Offering – – – – $1,438 Total Interest Expense $117,016 $69,128 $40,593 $17,402 $18,840 Income Available to Service All Interest $170,347 $114,310 $149,871 $77,013 $77,013 Interest Coverage (including deposit expense) 1.46x 1.65x 3.69x 4.43x 4.09x Interest Coverage (excluding deposit expense) 2.84x 2.68x 6.39x 7.40x 6.41x Note: For illustrative purposes, assumes $50 million of gross proceeds from the subordinated notes (net proceeds of $48.875 m ill ion after 1.25% underwriting spread and $500k of expenses) and 100% downstreamed to the Bank at June 30, 2022; Assumes 5.75% interest rate on current issuance of subordinated debt

29 Pro Forma Capitalization: Holding Company Sub Debt Pro Forma Actual Issuance For Sub Debt ($ in thousands) 6/30/2022 Adjustments 6/30/2022 Holding Company Regulatory Capital Common Equity Tier 1 Capital $686,258 – $686,258 Other Tier 1 Instruments 53,518 – 53,518 Tier 1 Capital Deductions – – – Tier 1 Capital 739,776 – 739,776 ALLL 38,271 – 38,271 Existing Sub Debt Tier 2 Capital 125,000 – 125,000 Proposed Sub Debt – 50,000 50,000 Tier 2 Capital 163,271 50,000 213,271 Total Capital $903,047 $50,000 $953,047 Total Assets for Regulatory Ratios Risk-Weighted Assets $6,522,710 $9,775 $6,532,485 Total Assets For Leverage Ratio $8,304,416 $48,875 $8,353,291 TCE / TA Tangible Common Equity $650,894 – $650,894 Tangible Assets $8,319,669 $48,875 $8,368,544 Capital Ratios TCE / TA 7.82% 7.78% Leverage Ratio 8.91% 8.86% Common Equity Tier 1 Ratio 10.52% 10.51% Tier 1 Ratio 11.34% 11.32% Total Capital Ratio 13.84% 14.59% Note: For illustrative regulatory capital purposes, assumes $50 million of gross proceeds from the subordinated notes (net pr oce eds of $48.875 million after 1.25% underwriting spread and $500k of expenses) and a risk – weighting of 20%

30 Historical Consolidated Regulatory Capital Ratios Tangible Common Equity / Tangible Assets (%) Tier 1 Leverage Ratio (%) Tier 1 Ratio (%) Total Risk - Based Capital Ratio (%) 8.2% 7.8% 8.0% 7.5% 8.2% 7.8% 7.8% 2017 2018 2019 2020 2021 June 30 2022 Sub Debt Issuance 9.0% 8.7% 8.7% 8.4% 9.0% 8.9% 8.9% 2017 2018 2019 2020 2021 June 30 2022 Sub Debt Issuance 12.4% 11.8% 11.8% 10.5% 11.8% 11.3% 11.3% 2017 2018 2019 2020 2021 June 30 2022 Sub Debt Issuance 14.5% 13.7% 13.6% 12.6% 14.3% 13.8% 14.6% 2017 2018 2019 2020 2021 June 30 2022 Sub Debt Issuance 2Q22 Pro Forma 2Q22 Pro Forma 2Q22 Pro Forma 2Q22 Pro Forma Historical and Pro Forma Capital for Subordinated Notes Issuance Note: See page 28 for detailed assumptions on issuance amount and illustrative terms; Financial data as of June 30, 2022

31 ▪ Long history of superior credit quality – Loan losses consistently below industry levels – Average real estate LTVs <38% – Weighted average Debt Service Coverage Ratio of 1.8x for multifamily and NOO CRE ▪ Benefiting from merger disruption – Since March 31, 2021, added 42 people from announced/recently closed mergers; 18 are revenue producing – Record loan closings in 2Q22 – Record levels of DDA balances in 2Q22 ▪ Maintaining through - the - cycle goals of ROAA ≥1% and ROAE ≥10% – On a core basis, ROAA of 1.05% and ROAE of 12.90% in 2Q22 ▪ Loan growth expect to remain in current range – Pipeline remains strong; second highest level in history – Record quarterly closings – Expect prepayment speeds to decline over time – Expect higher rates to impact closings ▪ Managed rate increases well in 1H22; will become more challenging with future Fed actions – Overall deposit beta was only 9% in 2Q22 but expect more pressure with each additional Fed move – Loan repricing to provide partial mitigation Key Messages 1 Calculated using 6/30/22 closing price of $21.26 and 2Q22 dividends per share annualized

Appendix

($ in thousands) For the Year Ended December 31, As of Quarter Ended 2017 2018 2019 2020 2021 June 30, 2022 Cash and due from banks $51,546 $118,561 $49,787 $157,388 $81,723 $137,026 Securities held to maturity: Mortgage-backed securities 7,973 7,953 7,934 7,914 7,894 7,885 Other securities 22,913 24,065 50,954 49,918 49,974 66,230 Securities available for sale, at fair value: Mortgage-backed securities 509,650 557,953 523,849 404,460 572,184 510,934 Other securities 228,704 264,702 248,651 243,514 205,052 346,720 Loans, net of fees and costs 5,176,999 5,551,484 5,772,206 6,704,674 6,638,105 6,760,393 Less: Allowance for loan losses (20,351) (20,945) (21,751) (45,153) (37,135) (39,424) Net loans $5,156,648 $5,530,539 $5,750,455 $6,659,521 $6,600,970 $6,720,969 Interest and dividends receivable 21,405 25,485 25,722 44,041 38,698 38,811 Bank premises and equipment, net 30,836 30,418 28,676 28,179 23,338 22,285 Federal Home Loan Bank of NY stock, at cost 60,089 57,282 56,921 43,439 35,937 50,017 Bank owned life insurance 131,856 131,788 157,713 181,710 210,754 211,220 Goodwill 16,127 16,127 16,127 17,636 17,636 17,636 Other real estate owned, net - - 239 - - - Core deposit intangibles - - - 3,172 2,562 2,282 Right of Use Asset - - 41,254 50,743 50,200 46,687 Other assets 61,527 69,303 59,494 84,759 148,989 160,885 Total assets $6,299,274 $6,834,176 $7,017,776 $7,976,394 $8,045,911 $8,339,587 Due to depositors: Non-interest bearing 385,269 413,747 435,072 778,672 967,621 1,081,208 Interest-bearing 3,955,403 4,502,176 4,586,977 5,312,061 5,365,911 5,268,792 Total deposits $4,340,672 $4,915,923 $5,022,049 $6,090,733 $6,333,532 $6,350,000 Mortgagors' escrow deposits 42,606 44,861 44,375 45,622 51,913 57,577 Borrowed funds: Federal Home Loan Bank advances 1,198,968 1,134,993 1,118,528 887,579 636,187 911,186 Subordinated debentures 73,699 74,001 74,319 90,180 122,885 123,083 Junior subordinated debentures, at fair value 36,986 41,849 44,384 43,136 56,472 55,352 Total borrowed funds $1,309,653 $1,250,843 $1,237,231 $1,020,895 $815,544 $1,089,621 Operating lease liability - - 49,367 59,100 54,155 50,346 Other liabilities 73,735 73,085 85,082 141,047 111,139 121,231 Total liabilities $5,766,666 $6,284,712 $6,438,104 $7,357,397 $7,366,283 $7,668,775 Stockholders' equity Common stock $315 $315 $315 $341 $341 $341 Additional paid-in capital 217,906 222,720 226,691 261,533 263,375 262,860 Treasury stock (57,675) (75,146) (71,487) (69,400) (75,293) (88,342) Retained earnings 381,048 414,327 433,960 442,789 497,889 527,217 Accumulated other comprehensive loss, net of taxes (8,986) (12,752) (9,807) (16,266) (6,684) (31,264) Total stockholders' equity $532,608 $549,464 $579,672 $618,997 $679,628 $670,812 33 Historical Consolidated Balance Sheet

34 Historical Consolidated Income Statement ($ in thousands) For the Year Ended December 31, Six Months Ended 2017 2018 2019 2020 2021 June 30, 2022 Interest Income $234,585 $256,998 $278,956 $264,327 $288,562 $145,611 Interest Expense 61,478 89,592 117,016 69,128 40,593 17,402 Net Interest Income $173,107 $167,406 $161,940 $195,199 $247,969 $128,209 Provision (Benefit) for Loan and Losses 9,861 575 2,811 23,129 (4,944) 2,948 Net Interest income after provision for credit loss $163,246 $166,831 $159,129 $172,070 $252,913 $125,261 Banking services fee income $4,156 $4,030 $3,723 $4,500 $5,965 $2,540 Net gain on sale of loans 603 168 870 48 335 73 Net gain (loss) on sale of securities (186) (1,920) (15) (701) 113 - Net gain on disposition of assets - 1,141 770 - 621 - Net gain (loss) from fair value adjustments (3,465) (4,122) (5,353) (2,142) (12,995) 724 Federal Home Loan Bank of New York stock dividends 3,081 3,576 3,589 3,453 2,097 804 Life insurance proceeds 1,405 2,998 462 659 - 1,536 Bank owned life insurance 3,227 3,099 3,534 3,814 4,044 2,229 Other income 1,541 1,367 1,891 1,412 3,507 760 Total Noninterest Income $10,362 $10,337 $9,471 $11,043 $3,687 $8,666 Salaries and employee benefits $62,087 $64,560 $67,765 $74,228 $88,310 $44,758 Occupancy & equipment 10,409 10,079 11,328 12,134 14,002 7,364 Professional services 7,500 8,360 8,358 9,374 7,439 4,507 FDIC deposit insurance 1,815 2,115 869 2,676 2,951 1,035 Data processing 5,238 5,663 5,878 8,586 7,044 2,807 Depreciation and amortization 4,832 5,792 5,930 6,212 6,425 2,907 Other real estate owned / foreclosure expense 404 (94) 204 216 323 116 Net loss (gain) from sales of real estate owned (50) (27) - 36 - - Prepayment penalty on borrowings - - - 7,834 - - Other operating expenses 15,239 15,235 14,937 16,635 20,828 10,822 Total Noninterest Expense $107,474 $111,683 $115,269 $137,931 $147,322 $74,316 Pre-Tax Income $66,134 $65,485 $53,331 $45,182 $109,278 $59,611 Provision for Taxes 25,013 10,395 12,052 10,508 27,485 16,357 Effective Tax Rate (%) 37.8% 15.9% 22.6% 23.3% 25.2% 27.4% Net Income $41,121 $55,090 $41,279 $34,674 $81,793 $43,254

Reconciliation of GAAP Earnings and Core Earnings 35 Non - cash Fair Value Adjustments to GAAP Earnings The variance in GAAP and core earnings is partly driven by the impact of non - cash net gains and losses from fair value adjustments . These fair value adjustments relate primarily to swaps designated to protect against rising rates and borrowing carried at fair value under the fair value option . As the swaps get closer to maturity, the volatility in fair value adjustments will dissipate . In a declining interest rate environment, the movement in the curve exaggerates our mark - to - market loss position . In a rising interest rate environment or a steepening of the yield curve, the loss position would experience an improvement . Core Net Income, Core Diluted EPS, Core ROAE, Core ROAA, Pre - provision, Pre - tax Net Revenue, Core Net Interest Income FTE, Core Net Interest Margin FTE, Core Interest Income and Yield on Total Loans, and Yield on Total Loans, Core Noninterest Income, Core Noninterest Expense and Tangible Book Value per common share are each non - GAAP measures used in this presentation . A reconciliation to the most directly comparable GAAP financial measures appears below in tabular form . The Company believes that these measures are useful for both investors and management to understand the effects of certain interest and noninterest items and provide an alternative view of the Company's performance over time and in comparison to the Company's competitors . These measures should not be viewed as a substitute for net income . The Company believes that tangible book value per common share is useful for both investors and management as these are measures commonly used by financial institutions, regulators and investors to measure the capital adequacy of financial institutions . The Company believes these measures facilitate comparison of the quality and composition of the Company's capital over time and in comparison to its competitors . These measures should not be viewed as a substitute for total shareholders' equity . These non - GAAP measures have inherent limitations, are not required to be uniformly applied and are not audited . They should not be considered in isolation or as a substitute for analysis of results reported under GAAP . These non - GAAP measures may not be comparable to similarly titled measures reported by other companies .

36 1 Core diluted earnings per common share may not foot due to rounding 2 Ratios are calculated on an annualized basis Reconciliation of GAAP Earnings to Core Earnings (Dollars in thousands, except per share data) GAAP income before income taxes $ 34,971 $ 24,640 $ 22,826 $ 34,812 $ 25,416 $ 59,611 $ 51,640 Net (gain) loss from fair value adjustments (Noninterest income (loss)) (2,533) 1,809 5,140 2,289 6,548 (724) 5,566 Net (gain) loss on sale of securities (Noninterest income (loss)) — — — 10 (123) — (123) Life insurance proceeds (Noninterest income (loss)) (1,536) — — — — (1,536) — Net gain on disposition of assets (Noninterest income (loss)) — — — — — — (621) Net (gain) loss from fair value adjustments on qualifying hedges (Interest and fees on loans) 60 129 (1,122) (194) 664 189 (763) Net amortization of purchase accounting adjustments (Various) (237) (924) (324) (958) (418) (1,161) (1,207) Merger (benefit) expense (Various) — — (17) 2,096 (490) — 483 Core income before taxes 30,725 25,654 26,503 38,055 31,597 56,379 54,975 Provision for income taxes for core income 9,207 6,685 5,535 10,226 8,603 15,892 15,008 Core net income $ 21,518 $ 18,969 $ 20,968 $ 27,829 $ 22,994 $ 40,487 $ 39,967 GAAP diluted earnings per common share $ 0.81 $ 0.58 $ 0.58 $ 0.81 $ 0.61 $ 1.39 $ 1.21 Net (gain) loss from fair value adjustments, net of tax (0.06) 0.04 0.13 0.05 0.15 (0.02) 0.13 Net loss on sale of securities, net of tax — — — — — — — Life insurance proceeds (0.05) — — — — (0.05) — Net gain on disposition of assets, net of tax — — — — — — (0.01) Net (gain) loss from fair value adjustments on qualifying hedges, net of tax — — (0.03) — 0.02 — (0.02) Net amortization of purchase accounting adjustments, net of tax (0.01) (0.02) (0.01) (0.02) (0.01) (0.03) (0.03) Merger (benefit) expense, net of tax — — — 0.05 (0.01) — 0.01 NYS tax change — — — — (0.02) — (0.02) Core diluted earnings per common share(1) $ 0.70 $ 0.61 $ 0.67 $ 0.88 $ 0.73 $ 1.30 $ 1.26 Core net income, as calculated above $ 21,518 $ 18,969 $ 20,968 $ 27,829 $ 22,994 $ 40,487 $ 39,967 Average assets 8,211,763 8,049,470 8,090,701 8,072,918 8,263,553 8,131,065 8,205,954 Average equity 667,456 673,012 671,474 659,288 644,690 670,219 632,238 Core return on average assets(2) 1.05 % 0.94 % 1.04 % 1.38 % 1.11 % 1.00 % 0.97 % Core return on average equity(2) 12.90 % 11.27 % 12.49 % 16.88 % 14.27 % 12.08 % 12.64 % 2022 June 30, March 31, 2022 2021 June 30, 2022 2021 June 30, December 31, September 30, 2021 2021 June 30, For the three months ended For the six months ended

37 1 Excludes purchase accounting average balances for all periods presented Reconciliation of GAAP to Core Net Interest Income and NIM For the three months ended For the six months ended June 30, March 31, December 31, September 30, June 30, June 30, June 30, (Dollars in thousands) 2022 2022 2021 2021 2021 2022 2021 GAAP net interest income $ 64,730 $ 63,479 $ 62,674 $ 63,364 $ 61,039 $ 128,209 $ 121,931 Net (gain) loss from fair value adjustments on qualifying hedges 60 129 (1,122) (194) 664 189 (763) Net amortization of purchase accounting adjustments (367) (1,058) (462) (1,100) (565) (1,425) (1,487) Tax equivalent adjustment 131 124 113 113 113 255 224 Core net interest income FTE $ 64,554 $ 62,674 $ 61,203 $ 62,183 $ 61,251 $ 127,228 $ 119,905 Total average interest-earning assets ¹ $ 7,746,640 $ 7,577,053 $ 7,634,601 $ 7,616,332 $ 7,799,176 $ 7,662,315 $ 7,738,344 Core net interest margin FTE 3.33 % 3.31 % 3.21 % 3.27 % 3.14 % 3.32 % 3.10 % GAAP interest income on total loans, net $ 69,192 $ 67,516 $ 68,113 $ 69,198 $ 67,999 $ 136,708 $ 137,020 Net (gain) loss from fair value adjustments on qualifying hedges 60 129 (1,122) (194) 664 189 (763) Net amortization of purchase accounting adjustments (357) (1,117) (535) (1,126) (624) (1,474) (1,352) Core Interest income on total loans, net $ 68,895 $ 66,528 $ 66,456 $ 67,878 $ 68,039 $ 135,423 $ 134,905 % % % % % % % Average total loans, net ¹ $ 6,647,131 $ 6,586,253 $ 6,566,654 $ 6,642,434 $ 6,697,103 $ 6,616,860 $ 6,704,237 Core yield on total loans 4.15 % 4.04 % 4.05 % 4.09 % 4.06 % 4.09 % 4.02 %

38 Reconciliation of GAAP Revenue & Pre - Provision Pre - Tax Net Revenue (Dollars in thousands) GAAP Net interest income $ 64,730 $ 63,479 $ 62,674 $ 63,364 $ 61,039 $ 128,209 $ 121,931 Net (gain) loss from fair value adjustments on qualifying hedges 60 129 (1,122) (194) 664 189 (763) Net amortization of purchase accounting adjustments (367) (1,058) (462) (1,100) (565) (1,425) (1,487) Core Net interest income $ 64,423 $ 62,550 $ 61,090 $ 62,070 $ 61,138 $ 126,973 $ 119,681 GAAP Noninterest income (loss) $ 7,353 $ 1,313 $ (280) $ 866 $ (3,210) $ 8,666 $ 3,101 Net (gain) loss from fair value adjustments (2,533) 1,809 5,140 2,289 6,548 (724) 5,566 Net gain (loss) on sale of securities — — — 10 (123) — (123) Life insurance proceeds (1,536) — — — — (1,536) — Net gain on sale of assets — — — — — — (621) Core Noninterest income $ 3,284 $ 3,122 $ 4,860 $ 3,165 $ 3,215 $ 6,406 $ 7,923 GAAP Noninterest expense $ 35,522 $ 38,794 $ 38,807 $ 36,345 $ 34,011 $ 74,316 $ 72,170 Net amortization of purchase accounting adjustments (130) (134) (138) (142) (147) (264) (280) Merger expense (benefit) — — 17 (2,096) 490 — (483) Core Noninterest expense $ 35,392 $ 38,660 $ 38,686 $ 34,107 $ 34,354 $ 74,052 $ 71,407 Net interest income $ 64,730 $ 63,479 $ 62,674 $ 63,364 $ 61,039 $ 128,209 $ 121,931 Noninterest income (loss) 7,353 1,313 (280) 866 (3,210) 8,666 3,101 Noninterest expense (35,522) (38,794) (38,807) (36,345) (34,011) (74,316) (72,170) Pre-provision pre-tax net revenue $ 36,561 $ 25,998 $ 23,587 $ 27,885 $ 23,818 $ 62,559 $ 52,862 Core: Net interest income $ 64,423 $ 62,550 $ 61,090 $ 62,070 $ 61,138 $ 126,973 $ 119,681 Noninterest income 3,284 3,122 4,860 3,165 3,215 6,406 7,923 Noninterest expense (35,392) (38,660) (38,686) (34,107) (34,354) (74,052) (71,407) Pre-provision pre-tax net revenue $ 32,315 $ 27,012 $ 27,264 $ 31,128 $ 29,999 $ 59,327 $ 56,197 Efficiency Ratio 52.3 % 58.9 % 58.7 % 52.3 % 53.4 % 55.5 % 56.0 % For the three months ended For the six months ended June 30, March 31, December 31, September 30, June 30, June 30, June 30, 20212022 2022 2021 2021 2021 2022

39 Calculation of Tangible Stockholders’ Common Equity to Tangible Assets