SEC Filing | NBT Bancorp

A Strategic Partnership for GrowthSeptember 9, 2024

Forward-Looking Statements This communication contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about NBT Bancorp Inc. (“NBT” or “NBTB”) and Evans Bancorp, Inc. (“Evans” or “EVBN”) and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding NBT’s or Evans’s future financial condition, results of operations, business plans, liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to NBT or Evans, are forward-looking statements. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “plans,” “projects,” “may,” “will,” “should” and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the following: (1) the businesses of NBT and Evans may not be combined successfully, or such combination may take longer to accomplish than expected; (2) the cost savings from the merger may not be fully realized or may take longer to realize than expected; (3) operating costs, customer loss and business disruption following the merger, including adverse effects on relationships with employees, may be greater than expected; (4) governmental approvals of the merger may not be obtained, or adverse regulatory conditions may be imposed in connection with governmental approvals of the merger; (5) the shareholders of Evans may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events; (7) diversion of management’s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate Evans’s operations and those of NBT; (9) such integration may be more difficult, time consuming or costly than expected; (10) revenues following the proposed transaction may be lower than expected; (11) NBT’s and Evans’s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; (12) the dilution caused by NBT’s issuance of additional shares of its capital stock in connection with the proposed transaction; (13) changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; and (14) legislative and regulatory changes. Further information about these and other relevant risks and uncertainties may be found in NBT’s and Evans’s respective Annual Reports on Form 10-K for the fiscal year ended December 31, 2023 and in subsequent filings with the Securities and Exchange Commission (“SEC”). Forward-looking statements speak only as of the date they are made. NBT and Evans do not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance on these forward-looking statements. 2

In connection with the proposed transaction, NBT expects to file with the SEC a registration statement on Form S-4 that will include a proxy statement of Evans and a prospectus of NBT (the “proxy statement/prospectus”), which proxy statement/prospectus will be mailed or otherwise disseminated to Evans’s shareholders when it becomes available. NBT and Evans also plan to file other relevant documents with the SEC regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4, AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT NBT, EVANS AND THE PROPOSED TRANSACTION. You may obtain a free copy of the registration statement, including the proxy statement/prospectus (when it becomes available) and other relevant documents filed by NBT and Evans with the SEC, without charge, at the SEC’s website at www.sec.gov. Copies of the documents filed by NBT with the SEC will be available free of charge on NBT’s website at www.nbtbancorp.com or by directing a request to NBT Bancorp Inc., 52 South Broad Street, Norwich, NY 13815, attention: Corporate Secretary, telephone (607) 337-6141. Copies of the documents filed by Evans with the SEC will be available free of charge on Evans’s website at evansbancorp.q4ir.com or by directing a request to Evans Bancorp, Inc., 6460 Main Street, Williamsville, NY 14221, attention: Secretary, telephone (716) 926-2000. No Offer This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law. Participants in the Solicitation NBT AND EVANS AND THEIR RESPECTIVE DIRECTORS AND EXECUTIVE OFFICERS AND OTHER MEMBERS OF MANAGEMENT AND EMPLOYEES MAY BE DEEMED TO BE PARTICIPANTS IN THE SOLICITATION OF PROXIES IN RESPECT OF THE PROPOSED TRANSACTION. YOU CAN FIND INFORMATION ABOUT NBT’S EXECUTIVE OFFICERS AND DIRECTORS IN NBT’S DEFINITIVE PROXY STATEMENT FILED WITH THE SEC ON APRIL 5, 2024. YOU CAN FIND INFORMATION ABOUT EVANS’S EXECUTIVE OFFICERS AND DIRECTORS IN EVANS’S DEFINITIVE PROXY STATEMENT FILED WITH THE SEC ON MARCH 25, 2024. ADDITIONAL INFORMATION REGARDING THE INTERESTS OF SUCH POTENTIAL PARTICIPANTS WILL BE INCLUDED IN THE PROXY STATEMENT/PROSPECTUS AND OTHER RELEVANT DOCUMENTS FILED WITH THE SEC WHEN THEY BECOME AVAILABLE. YOU MAY OBTAIN FREE COPIES OF THESE DOCUMENTS FROM NBT OR EVANS USING THE SOURCES INDICATED ABOVE. 3 Additional Information & Where to Find It

Transaction Overview 4 Rochester Albany Buffalo Binghamton Syracuse New Jersey Pennsylvania New York Massachusetts New Hampshire Connecticut Vermont Rhode Island Poughkeepsie STRATEGIC PARTNERSHIP WITH EVANS NBT Bancorp Inc. (NASDAQGS: NBTB) to merge with Evans Bancorp, Inc. (NYSEAM: EVBN), a $2.3 billion asset bank holding company All-stock combination 0.91x fixed exchange ratio Aggregate purchase price of approximately $236 million1,2 Merger will bring together two highly respected banking companies Combined assets of approximately $16 billion Combined franchise would have #1 ranked deposit market share in Upstate New York3 for all banks under $100 billion in assets Source: S&P Global Market Intelligence. Based on EVBN common shares outstanding of 5,525,838, restricted stock units of 49,984, and 142,650 options with a weighted average strike price of $32.79. Based on NBTB’s closing stock price of $46.28 per share, as of September 6, 2024. Excludes the New York City MSA and select counties (Kings, Nassau, New York, Queens, Richmond, Suffolk, and Westchester counties). Expected pro forma impacts assume first half 2024 annualized GAAP net income for NBTB; EVBN assumes first half 2024 annualized GAAP net income excluding nonrecurring insurance related revenue. Financially Compelling Transaction with High-Quality Partner 13.6% $0.38 (4.7%) 2.3 Years EPSAccretion4 EPSAccretion4 TBV Per Share Dilution at Close TBV Per Share Earnback (Crossover) Maine

Strategic Rationale 5 Expansion Into Highly Attractive Markets with Significant Scarcity Value Expands NBT’s presence in Upstate New York’s1 two largest markets by population – Buffalo and Rochester Evans is #2 ranked community bank in Buffalo market2 Significant opportunity for combined entity to accelerate growth in Rochester Combined NBT/Evans will have strong presence in top 5 Upstate New York1 markets Transaction expected to produce double-digit EPS accretion with short tangible book value earnback Evans has demonstrated consistent track record of organic growth and stellar credit quality 2 bps net charge-offs average from 2019-2024 YTD Opportunity to leverage diverse product offerings across scalable client base Commercial oriented with attractive branch locations Low-risk integration: no branch overlap; highly complementary franchises; experienced M&A professionals Retention of key business development teams expected David Nasca, current Evans CEO, President & Director,will join NBT’s Board Cultural &Operating Philosophy Alignment Financially Compelling Transaction withHigh-Quality Partner Excludes the New York City MSA and select counties (Kings, Nassau, New York, Queens, Richmond, Suffolk, and Westchester counties). Excludes banks greater than $100 billion in assets. Excludes M&T Bank Corporation, KeyCorp, HSBC Holdings plc, Bank of America, Citizens Financial Group Inc., and JP Morgan Chase & Co.

Overview of Evans 6 Full-service community banking institution across Western New York; offering consumer, business and government banking products and services Operating footprint includes 18 branch locations throughout the Buffalo and Rochester Metropolitan Areas One of the largest banking institutions in Buffalo by deposit market share and number of branches Acquired Rochester-based Fairport Savings Bank in May 2020 Company Overview Hamburg Deposits: $74M Buffalo Deposits: $76M Deposits: $1.6B Deposits: $150M Rochester Fairport Niagara County Orleans County Genesee County Wyoming County Livingston County Monroe County Erie County Cattaraugus County Chautauqua County Deposits: $1.8B EVBN Western New York1 Erie County NY: 83.4% of Total Deposits Monroe County NY: 8.3% of Total Deposits Niagara County NY: 4.2% of Total Deposits Chautauqua County NY: 4.1% of Total Deposits Source: S&P Global Market Intelligence; FDIC. FDIC deposit data as of June 30, 2023. Excludes banks greater than $100 billion in assets. Excludes M&T Bank Corporation, KeyCorp, HSBC Holdings plc, Bank of America, Citizens Financial Group Inc., and JP Morgan Chase & Co. Erie County Community Bank Deposits1,2 Average Size of Branch Financial Highlights Balance Sheet ($M) Q2 2024 '19 – '24 YTD CAGR Assets $2,257 10.2 % Loans $1,743 8.4 Deposits $1,892 9.3 Profitability (%) '19 – '24 YTD Average NIM 2.66 % 3.31 % ROAA 0.52 0.92 ROATCE 6.8 12.5 Credit Metrics (%) NPAs / Assets 1.31 % 1.25 % ALLL / Loans 1.28 1.22 NOCs / Average Loans 0.01 0.02

Further Expansion Into Attractive Markets 7 Pro Forma Combined Highlights1 ~$16B ~$12B ~$13B ~$2.4B 172 Assets Loans Deposits Market Cap Branches Rochester Albany Buffalo Binghamton Syracuse New Jersey Pennsylvania New York Massachusetts New Hampshire Connecticut Vermont Rhode Island Poughkeepsie Significant Presence Across Upstate New York Chip and Technology Corridor Natural geographic expansion west along New York State Thruway into highly attractive markets Buffalo, Rochester, Syracuse chosen together as one of the nation’s Tech Hubs (NY SMART I-Corridor Tech Hub) Source: S&P Global Market Intelligence; FDIC. Note: B = billions; M= millions. 1) Based on June 30, 2024, except market capitalization which is as of September 6, 2024. Excludes purchase accounting and other merger-related adjustments. 2) Excludes the New York City MSA and select counties (Kings, Nassau, New York, Queens, Richmond, Suffolk, and Westchester counties). 3) Demographic data is provided by Claritas based primarily on US Census Data. For non-census year data, Claritas uses samples and projections to estimate the demographic data. . Well Positioned in Upstate New York’s Key Markets Combined franchise will have strong presence in all ofUpstate New York’s largest and most attractive markets Top 5 Upstate New York2,3 MSA Populations Maine

NBT Has Successfully Scaled Operations Demonstrated Growth in Size & Shareholder Returns Combined Institution Will BeLeading Upstate New York Community Bank Upstate New York Deposit Market Share1,2 Total Assets ($B) TSR Since Salisbury Transaction Announcement (12/5/2022) 10-Year TSR TSR Since Year End 2021 2014 to 2023 CAGR: 6% Source: S&P Global Market Intelligence; FactSet. Note: Market data as of September 6, 2024. Excludes the New York City MSA and select counties (Kings, Nassau, New York, Queens, Richmond, Suffolk, and Westchester counties). Excludes banks with more than $100 billion in total assets as of June 30, 2024. KRX is defined as the median return for the current KBW NASDAQ Regional Banking Index constituents as of September 6, 2024. 3 3 3 8

Pro FormaLoan &DepositComposition 9 NBT Bancorp Inc. Total Loans: $9.9B Total Loans: $1.8B Total Loans: $11.6B Total Deposits: $1.9B Total Deposits: $13.2B Total Deposits: $11.3B Loan Composition2 Deposit Composition3 Evans Bancorp, Inc. Pro Forma Company1 Yield on Loans: 5.63% Regulatory CRE Concentration: 179% Yield on Loans: 5.53% Regulatory CRE Concentration: 307% Yield on Loans: 5.61% Regulatory CRE Concentration: 215%3 Cost of Total Deposits: 1.67% Cost of IB Deposits: 2.38% Loans / Deposits: 88% Cost of Total Deposits: 2.40% Cost of IB Deposits: 3.05% Loans / Deposits: 93% Cost of Total Deposits: 1.78% Cost of IB Deposits: 2.51% Loans / Deposits: 88% Source: S&P Global Market Intelligence. Data as of June 30, 2024. Note: Regulatory CRE Concentration includes multifamily, construction and land development, and NOO CRE loans. Excludes purchase accounting and other merger-related adjustments. BHC regulatory data used for NBT loans and regulatory capital. BHC GAAP data used for NBT and Evans deposits.

Transactional Credit Due Diligence Summary 10 KEY OBSERVATIONS & TAKEAWAYS Granular, in-market portfolio Net charge-off history is best in class EVBN 10-year net charge-off rate of 4bps No material commercial concentrations Consumer mortgage portfolio has an average FICO score of 750 Credit Review & Diligence Key Findings On Evans Portfolio Evans Commercial Real Estate Portfolio Details Diversified & Granular Portfolio $0.3M $1.5M $0.1M Total Average Loan Size AverageNon-Owner Occupied CRE Loan Size Average Consumer Mortgage Loan Size Detailed, Analytical Review of All Loans & Selective Individual Credit File Review Process 12 53% 57% Member NBT File Review Team Coverage of Commercial Loan Portfolio Coverage of Commercial Real Estate Portfolio Source: S&P Global Market Intelligence; Company documents. CRE Concentration includes multifamily, construction and land development, and NOO CRE loans. Includes nationwide major exchange-traded banks and thrifts with total assets between $10 to $25 billion, excluding merger targets, mutuals and merger-of-equal participants. NBTB BHC CRE Concentration1 Less than $1 million ofEVBN CRE net charge-offs in last five years 2 Office ~4% Overall Evans Loans CRE Concentrationby Property Type

Key Transaction Terms 11 Transaction Structure & Consideration NBT Bancorp Inc. (NBTB) will acquire 100% of Evans Bancorp, Inc. (EVBN) outstanding common stock 100% stock consideration; Deal value of approximately $236 million1,2 or $42.11 per EVBN share Fixed exchange ratio of 0.91x NBTB shares for each EVBN share Outstanding stock options to be exchanged for cash Transaction Multiples2 Price / TBV per share: 1.32x as of Q2 2024 (Pay-to-Trade3: 64%) Price / TBV ex. AOCI per share: 1.05x as of Q2 2024 Price / 2024 YTD EPS + Cost Saves: 11.2x4 Price / Fully-Synergized 2024 EPS: 6.8x5 Pro Forma Ownership NBTB: 90.3% / EVBN: 9.7% Management & Board Representation David Nasca, current Evans CEO, President & Director, will join NBT Board of Directors Retention of all branch offices and retail team expected Significant retention of EVBN business development team expected Approvals & Close EVBN shareholder approval Customary regulatory approvals Anticipated closing in Q2 2025 Simultaneous system conversion anticipated at closing Source: S&P Global Market Intelligence. 1) Based on EVBN common shares outstanding of 5,525,838, restricted stock units of 49,984, and 142,650 options with a weighted average strike price of $32.79. 2) Based on NBTB’s closing stock price of $46.28 per share, as of September 6, 2024. 3) Defined as Transaction Price / TBV divided by NBTB Price / TBV. 4) EVBN first half 2024 annualized adjusted GAAP net income, plus for illustrative purposes, assumes cost savings are fully phased-in. 5) EVBN first half 2024 annualized adjusted GAAP net income, plus fully phased-in cost savings, net of Durbin impact, and fully phased-in purchase accounting accretion.

Transaction Assumptions 12 Earnings Projections Based on annualized net income (first half 2024) for NBTB and EVBN1 Assumes 4.0% EPS and balance sheet growth thereafter for both NBTB and EVBN Loan Credit Mark & CECL Double Count Gross credit mark of $17.7 million, or 1.00% based on EVBN’s Q2 2024 loans $5.3 million (30%) allocated to purchase credit deteriorated loans $12.4 million (70%) allocated to non-PCD loans (accreted into earnings over 6.0 years, straight line method) Day-two estimated CECL reserve of $12.4 million (Double Count) Pre-tax merger-related charges of $28.5 million Fully reflected in pro forma TBV dilution at closing computation Merger Expenses Cost Savings Estimated pre-tax cost savings of 25% of EVBN’s operating expenses or $13.2 million ($10.5 million after-tax) 75% expected to be realized in 2025 and 100% thereafter Core Deposit Intangible 3.0%, or $44.7 million pre-tax of EVBN’s non-time deposits amortized over 10 years using sum-of-year digits methodology Interest Rate Marks $95.5 million, or 5.41% pre-tax mark-down on Evans’ Q2 2024 loans (accreted over 6 years utilizing straight-line methodology) EVBN’s securities-related AOCI of $46.4 million2 accreted through pro forma earnings over 6 years (straight-line) $1.2 million pre-tax mark-up on all other funding liabilities, amortized based on estimated remaining life of individual liabilities Source: S&P Global Market Intelligence. 1) Assumes first half 2024 annualized GAAP net income for NBTB; EVBN assumes first half 2024 annualized GAAP net income excluding nonrecurring insurance related revenue. 2) Based on the AFS securities as of June 30, 2024.

ExceptionalRisk/RewardRelative toRecent M&A 13 1 2 ValuationIn-Line orBetter Than Comparable Deals Financially Compelling Transaction Pay-to-Trade Relative to Comparable M&A1 P/TBV Pay-to-Trade2 Comparison to last 15 nationwide transactions1 Source: S&P Global Market Intelligence. Note: Based on NBTB’s closing stock price of $46.28 per share, as of September 6, 2024. 1) Last 15 nationwide bank and thrift transactions where the buyer was major exchange-traded and target assets were between $1.5 and $3.5 billion, excluding merger-of-equals and strategic merger transactions. Cost savings not available for Hope Bancorp, Inc. / Territorial Bancorp, Inc. and Wintrust Financial Corp. / Macatawa Bank Corp. 2) Defined as Transaction Price / TBV divided by NBTB Price / TBV. 3) Assumes first full year for Comparable M&A Deals.

Strong Pro Forma Capital LevelsCompelling Ongoing Capital Generation 14 Source: S&P Global Market Intelligence. 1) Trust preferred securities (TruPs) included in Pro Forma Tier 2 Capital due to crossing over $15 billion of Pro Forma assets. 2) Assumes first half 2024 annualized GAAP net income for NBT; Evans assumes first half 2024 annualized GAAP net income excluding nonrecurring insurance related revenue. 3) Reflects fully-phased pre-tax cost savings of $13.2 million. 4) Includes net amortization of all other funding liabilities, reversal of Evans CDI amortization, and interest effects due to opportunity cost of cash. 5) Assumes dividend per share of $1.36. 6) Pro forma BHC risk weighted assets estimated at close of $12.6 billion. Annual Combined Capital Generation +76bps CET1 annually6 NBTB Capital Ratios at Transaction Close Consolidated1 NBT Bancorp Inc.6/30/2024 Pro FormaAt Close TCE / TA 8.1% 7.5% Tier 1 Leverage Ratio 10.2% 8.7% CET1 Ratio 11.7% 10.8% Total Risk-Based Capital Ratio 14.9% 13.9% Bank-Level NBT Bank, N.A.6/30/2024 Pro FormaAt Close Tier 1 Leverage Ratio 9.4% 8.9% CET1 Ratio 11.7% 11.1% Total Risk-Based Capital Ratio 12.9% 12.2% $ in millions NBT Annualized Net Income2 $133.1 EVBN Annualized Net Income2 9.9 Fully-Phased After-tax Cost Savings3 10.5 After-tax Impact of Durbin (1.1) After-tax AOCI Accretion 7.7 Subtotal $160.0 After-tax Non-PCD Credit Mark Accretion 1.6 After-tax Loan Interest Rate Mark Accretion 12.6 After-tax Core Deposit Intangible Amortization (5.9) After-tax Impact of Other Financing Adjustments4 (1.0) Annual Earnings Power $167.3 (-) Dividends Paid5 71.0 Annual Retained Earnings $96.3

15 Appendix

16 IllustrativePro FormaNet Income &EPS Accretion $ in millions, except per share GAAP NBTB Net Income1 $133.1 EVBN Net Income1 9.9 Combined Net Income $142.9 After-Tax Adjustments: Fully-Phased Cost Savings2 $10.5 Loans Interest Rate Mark Accretion 12.6 Non-PCD Credit Mark Accretion 1.6 AFS Securities (AOCI) Accretion 7.7 Core Deposit Intangible Amortization (5.9) Durbin Amendment Impact (1.1) All Other Adjustments3 (1.0) Pro Forma Net Income $167.3 Pro Forma Diluted Shares Outstanding 52.5 Pro Forma EPS $3.19 NBTB Standalone EPS $2.81 Accretion / (Dilution) to NBTB - $ $0.38 Accretion / (Dilution) to NBTB - % 13.6% Illustrative EPS Accretion Source: S&P Global Market Intelligence. Assumes first half 2024 annualized GAAP net income for NBTB; EVBN assumes first half 2024 annualized GAAP net income excluding nonrecurring insurance related revenue. Reflects fully-phased pre-tax cost savings of $13.2 million. Includes net amortization of all other funding liabilities, reversal of EVBN CDI amortization, and interest effects due to opportunity cost of cash.

Tangible Book Value Dilution Reconciliation 17 $ in millions Equity Consideration to EVBN1,2 $234.8 (+) Cash Consideration to EVBN Optionholders3 1.3 Aggregate Deal Value $236.2 EVBN Tangible Book Value at Close $175.7 (+) After-Tax Merger Costs Attributable to EVBN (4.9) (+) After-Tax Net Credit Mark 4.4 (+) After-Tax Impact to Rate Marks (74.4) Adjusted EVBN Tangible Book Value $100.8 Excess Over Adjusted TBV 135.4 (-) CDI Created 44.7 (-) Deferred Tax Liability Created on CDI (9.4) Goodwill Created $100.0 (+) CDI Created 44.7 Total Intangibles Created $144.8 Calculation of Intangibles Illustrative Tangible Book Value Dilution $ in millions, except per share data $ in millions Shares $ per share NBTB Tangible Book Value at Close $1,122.7 47.2 $23.80 Equity Consideration to EVBN1,2 234.8 5.1 Total Intangibles Created (144.8) After-Tax Merger Costs Attributable to NBTB (18.2) After-Tax Impact of Non-PCD Credit Mark (9.8) NBTB Tangible Book Value at Close $1,184.8 52.2 $22.68 NBTB TBV per share Dilution – $ ($1.12) NBTB TBV per share Dilution – % (4.7%) TBV per share Earnback – Crossover Method 2.3 Years Source: S&P Global Market Intelligence. Based on EVBN common shares outstanding of 5,525,838, restricted stock units of 49,984. Based on NBTB’s closing stock price of $46.28 per share, as of September 6, 2024. 142,650 EVBN outstanding stock options with a weighted average strike price of $32.79 to be exchanged for cash.

Glossary of Terms 18 Term / Acronym Defined As AFS Available for sale ALLL Allowance for loan loses AOCI Accumulated other comprehensive income BHC Bank holding company BPS Basis points C&D Construction and development C&I Commercial and industrial CAGR Compound annual growth rate CDI Core deposit intangibles CECL Current expected credit losses CET1 Common equity tier 1 capital CRE Commercial real estate EPS Earnings per share FDIC Federal Deposit Insurance Corporation GAAP Generally accepted accounting principals Term / Acronym Defined As IB Deposits Interest-bearing deposits MSA Metropolitan Statistical Area NCO Net charge-offs NIM Net interest margin NOO CRE Non-owner occupied commercial real estate NOW Negotiable order of withdrawal NPA Non-performing assets PCD Purchased credit deteriorated ROAA Return on average assets ROATCE Return on average tangible common equity TA Total assets TBV Tangible book value TCE Tangible common equity TSR Total shareholder return YTD Year to date as of 6/30/2024, unless otherwise noted