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Evaluation of Disclosure Controls

Based on their evaluation as of the end of the period covered by this Quarterly Report on Form 10-Q, the Chief Executive Officer and Chief Financial Officer have concluded that the disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934) are effective to ensure that information required to be disclosed by us in reports that we file or submit under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in Securities and Exchange Commission rules and forms. Additionally, our disclosure controls and procedures were also effective in ensuring that information required to be disclosed in our Exchange Act report is accumulated and communicated to our management, including the Chief Executive Officer and Chief Financial Officer, to allow timely decisions regarding required disclosures.

Changes in Internal Control Over Financial Reporting

On April 1, 2026, we completed our acquisition of Mountain Commerce Bancorp, Inc. ("MCBI"), and as a result, we extended our oversight and monitoring processes that support our internal control over financial reporting during the second quarter of 2026, to include the operations of MCBI. Otherwise, there were no changes in the Company’s internal controls over financial reporting during the quarter ended June 30, 2026, which have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.