CFC Quarterly Financial Performance

COMMUNITY BANK LOAN PORTFOLIO STATISTICS Significant CRE Loan Sub-Categories Total Commitments Weighted Average Seasoning (Months) Weighted Average FICO Score (2) Weighted Average LTV(3) Weighted Average DSCR (4) Apartments Hotels(¹) Retail/Strip mall Conveniece Stores Mixed Use Warehouse $317,277,384 27.4 Months 773.29 61.41% 2.50x $166,674,799 37.2 Months 772.37 54.09% 2.12x $134,711,161 30.2 Months 766.47 57.17% 2.27x $110,153,340 35.3 Months 773.72 52.90% 4.64x $92,677,841 46.7 Months 751.20 54.15% 2.94x $91,344,224 52.0 Months 779.78 55.17% 3.79x Mini Storage $57,565,948 22.6 Months 778.50 62.80% 3.92x Office - General (5) $55,698,198 47.0 Months 772.51 57.84% 3.19x Manufacturing $39,096,923 69.4 Months 761.03 56.14% 2.63x Office - Professional (5) $34,817,735 46.1 Months 765.54 60.05% 2.83x Loan Category Commercial Real Estate C&I Construction/Land Commitments $1,198,326,474 $227,061,321 $345,783,721 Weighted Average Seasoning (Months) 37.0 Months 29.3 Months Weighted Average FICO Score (2) 768.49 Weighted Average Weighted Average LTV(3) DSCR (4) 57% 3.04x 761.44 37% 8.34x 16.6 Months 777.31 50% 6.42x (1) The Bank's hotel portfolio predominantly consists of travel hotels/motels and as such our occupancy rates are higher than the national average. (2) Based on best available data. If a loan has multiple guarantors, FICO score represented is highest of the guarantors. FICO scores are based off origination unless updated through annual term loan review or other credit action. (3) Loan to Value ("LTV") data is based on best available data. LTV at origination is used unless updated information was made available through an annual term loan review or other credit action. (4) Debt Service Coverage Ratio ("DSCR") data is based on best available data. DSCR at origination is used unless updated information was made available through an annual term loan review or other credit action. (5) Office - Professional includes special purpose spaces such as for doctors, dentists, walk-in clinics, etc; Office - General is office space with desks, cubicles, etc. Most current data as of June 30, 2023 unless noted otherwise 27

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