Form 8-K

8-K — Hanover Bancorp, Inc. /MD

Accession: 0001104659-26-106555

Filed: 2026-09-10

Period: 2026-09-10

CIK: 0001828588

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

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8-K

8-K (Primary)

Filename: hnvr-20260910x8k.htm · Sequence: 1

Hanover Bancorp, Inc. /MD_September 10, 2026

Hanover Bancorp, Inc. /MD0001828588false00018285882026-09-102026-09-10

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT PURSUANT TO

SECTION 13 OR 15(d) OF THE SECURITIES

EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): September 10, 2026

HANOVER BANCORP, INC.

(Exact name of registrant as specified in its charter)

Maryland

001-41384

81-3324480

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

80 East Jericho Turnpike, Mineola, New York

11501

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (516) 548-8500

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol

Name of each exchange on which registered

Common stock

HNVR

NASDAQ

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01.

Regulation FD Disclosure

On September 10, 2026, representatives of the Registrant will present to various investors the information about the Registrant described in the slides attached to this report as Exhibit 99.1, which are incorporated by reference herein.

The information in Item 7.01 of this report is being furnished, not filed, pursuant to Regulation FD. Accordingly, the information in Item 7.01 of this report will not be incorporated by reference into any registration statement filed by the Registrant under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference. The furnishing of the information in this report is not intended to, and does not, constitute a determination or admission by the Registrant that the information in this report is material or complete, or that investors should consider this information before making an investment decision with respect to any security of the Registrant.

Item 9.01.Financial Statements and Exhibits

(d) Exhibits

The following Exhibits are furnished as part of this report:

Exhibit No.

Description

99.1

Investor Presentation

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

HANOVER BANCORP, INC.

Date: September 10, 2026

By:

/s/ Lance P. Burke

Lance P. Burke

Senior Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: hnvr-20260910xex99d1.htm · Sequence: 2

Exhibit 99.1

Confidential Investor Presentation

INVESTOR

PRESENTATION

September 2026

Draft 09.13.17

Disclaimer

(1) The acquisition is subject to applicable regulatory approvals, approval of the Minden shareholders and other customary closing conditions. The private placement is not conditional on the closing of the acquisition.

This presentation has been prepared by us solely for informational purposes based on our own information, as well as information from public and industry sources. This

presentation does not constitute an offer to sell, nor a solicitation of an offer to buy, any securities by any person in any jurisdiction in which it is unlawful for such person to

make such an offering or solicitation. Neither the SEC nor any other regulatory agency has approved or disapproved of our securities or passed upon the accuracy or

adequacy of this presentation. Any representation to the contrary is a criminal offense. Our common stock is not a deposit account of our bank subsidiary and is not insured

by the FDIC or any other governmental agency.

Forward-Looking Statements

This presentation includes statements that are, or may be deemed, “forward-looking statements.” In some cases, these forward-looking statements can be identified by the

use of forward-looking terminology, including the terms “believes,” “estimates,” “anticipates,” “expects,” “plans,” “intends,” “may,” “could,” “might,” “will,” “should,”

“approximately,” “potential,” “projected,” “pro forma” or, in each case, their negatives or other variations thereon or comparable terminology, although not all forward-looking statements contain these words. Any or all of the forward-looking statements herein made by us may turn out to be incorrect.

Examples of forward-looking statements include, but are not limited to, estimates with respect to the financial condition, results of operations and business of Hanover

Bancorp, Inc. Any or all of the forward-looking statements in this release and in any other public statements made by Hanover Bancorp, Inc. may turn out to be incorrect as a

result of inaccurate assumptions that Hanover Bancorp, Inc. might make or by known or unknown risks and uncertainties. There are a number of important factors that could

cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not

limited to: (1) the impact of a pandemic or other health crises and the government’s response to such pandemic or crises on our operations as well as those of our customers

and on the economy generally and in our market area specifically; (2) competitive pressures among depository institutions may increase significantly; (3) changes in the

interest rate environment may reduce interest margins; (4) loan origination and sale volumes, charge-offs and credit loss provisions may vary substantially from period to period;

(5) general economic conditions may be less favorable than expected; (6) political developments, wars or other hostilities may disrupt or increase volatility in securities markets

or other economic conditions; (7) legislative or regulatory changes or actions may adversely affect the businesses in which Hanover Bancorp, Inc. is engaged; (8) the impacts

of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; (9) changing political conditions and the outcome of federal, state, and

local elections and the resulting economic and other impact on the areas in which we conduct business; (10) changes relating to rent regulation and housing, including

recent legislative action in New York City to freeze rents on certain rent-regulated properties; (11) changes and trends in the securities markets may adversely impact Hanover

Bancorp, Inc.; (12) a delayed or incomplete resolution of regulatory issues could adversely impact our planning; (13) difficulties in integrating any businesses that we may

acquire, which may increase our expenses and delay the achievement of any benefits that we may expect from such acquisitions; (14) the impact of the strategic credit

cleanup that we implemented during the fourth quarter of 2025 and the wholesale funding restructuring we implemented during the first quarter of 2026; (15) the impact of

reputation risk created by the developments discussed above on such matters as business generation and retention, funding and liquidity could be significant; (16) our ability

to hire and retain key personnel; and (17) the outcome of any future regulatory and legal investigations and proceedings may not be anticipated.

By their nature, forward-looking statements involve risks and uncertainties because they relate to future events, competitive dynamics, and banking, regulatory, and other

developments, and depend on anticipated circumstances that may or may not occur (or may occur on longer or shorter timelines than anticipated). They can be affected by

inaccurate assumptions that we might make, or by known or unknown risks and uncertainties, including those discussed in our Annual Report on Form 10-K under Item 1A - Risk

Factors, as updated by our subsequent filings with the Securities and Exchange Commission. Forward-looking statements speak only as of the date they are made. Although

we believe that we have a reasonable basis for each forward-looking statement contained in this presentation, we caution you that forward-looking statements are not

guarantees of future performance and that our actual results of operations, financial condition, and liquidity, and the development of the industry in which we operate may

differ materially from the forward-looking statements contained in this presentation.

In addition, even if our results of operations, financial condition and liquidity, and the development of the industry in which we operate are consistent with the forward-looking

statements contained in this presentation, they may not be predictive of results or developments in future periods. Any forward-looking statements that we make in this

presentation speak only as of the respective dates of such statements, and we undertake no obligation to update such statements to reflect events or circumstances after the

date of this presentation, except as required by law.

Non-GAAP Financial Measures

This presentation contains supplemental financial information, which includes the Company’s adjusted net income, adjusted diluted earnings per share, adjusted return on

average assets (“Adjusted ROAA”), adjusted return on average common equity, tangible common equity (“TCE”) ratio, TCE, tangible assets, tangible book value per share,

return on average tangible common equity (“ROATCE”), Adjusted ROATCE and pre-provision net revenue (“PPNR”), which are financial measures not determined in

accordance with accounting principles generally accepted in the United States of America (“GAAP”). Our management uses these non-GAAP measures in its analysis of our

performance. These measures should not be considered a substitute for GAAP basis measures nor should they be viewed as a substitute for operating results determined in

accordance with GAAP. Management believes that the presentation of these non-GAAP financial measures provides both management and investors useful supplemental

information that is essential to a proper understanding of our financial condition and results. Non-GAAP measures are not formally defined under GAAP, and other entities may

use calculation methods that differ from those used by us. As a complement to GAAP financial measures, our management believes these non-GAAP financial measures assist

investors in comparing the financial condition and results of operations of financial institutions due to the industry prevalence of such non-GAAP measures. A reconciliation of

our non-GAAP financial measures to the most directly comparable GAAP measures has been provided herein in the appendix to this presentation.

148, 201, 61

20, 49, 89

Overview of Hanover Bancorp, Inc.

• Hanover Bancorp, Inc. (the “Company”) is the bank holding

company of Hanover Community Bank (the “Bank”)

• The Bank was founded in 2009 and is headquartered in Mineola, NY

• The Bank was recapitalized in 2012 by a group led by our current

Chairman and CEO Michael Puorro and current members of our

Board of Directors

• Successfully completed IPO and NASDAQ listing in May 2022

• Provides differentiated consumer and commercial banking services

to clients on Long Island, in the New York City boroughs and in

Freehold, NJ

• Hauppauge Business Banking Center: opened May 22, 2023

• Port Jefferson Branch: opened June 25, 2025

• $21.5 million in Q2 2026 originations tied to these two locations

• Business loan(1) pipeline of $48 million with deposits of

~$168 million across both locations as of 6/30/2026

• Riverhead Branch: planned opening September 2026

• Executed an organic strategy from 2012 – 2018, focused primarily on

the non-qualified mortgage niche residential lending business

• Completed two successful M&A transactions, acquiring Chinatown

Federal Savings Bank (CFSB) in 2019 and Savoy Bank in 2021

• Successful team of seasoned bankers and banking teams from local,

regional and national financial institutions

• Demonstrated track record of profitability; Hanover is highly focused

around an efficient operating platform and branch network

Company Background & Financial Snapshot Key Metrics & Banking Footprint

06/30/26

$2.3B

TOTAL ASSETS

06/30/26

$2.0B

TOTAL LOANS

06/30/26

$2.0B

TOTAL DEPOSITS

Headquarters

Current Branches (10)

(1) Business loans defined as conventional C&I and CRE – Owner Occupied

(2) Includes Series A preferred shares. Tangible common equity and tangible book value are

non-GAAP financial measures. See the appendix to this presentation for a reconciliation

for the most directly comparable GAAP measure

Source: S&P Global Market Intelligence; SEC Filings; FDIC.

(3) Represents a non-GAAP financial measure, adjusted for Debt extinguishment

charges and severance expenses, and related income tax effects in 2026. See

the appendix to this presentation for a reconciliation for the most directly

comparable GAAP measure

$ in millions 6/30/2026 3/31/2026 6/30/2025

Total Assets $2,337 $2,371 $2,312

Gross Loans $1,998 $1,993 $1,966

Deposits $2,013 $2,022 $1,951

Stockholders' Equity(2) $203 $201 $199

Tangible Common Equity(2) $183 $182 $179

TCE / TA 7.91% 7.74% 7.83%

BV/Share(2) $27.66 $27.11 $26.52

TBV/Share (2) $25.02 $24.50 $23.94

Balance Sheet at

6/30/2026 3/31/2026 6/30/2025

Net Income $4.1 $1.9 $2.4

Adj. Net Income (3) $4.3 $4.0 $2.4

Diluted EPS $0.55 $0.25 $0.33

Adj. Diluted EPS (3) $0.58 $0.54 $0.33

ROAA 0.73% 0.33% 0.44%

Adj. ROAA (3) 0.77% 0.70% 0.44%

ROATCE 8.85% 4.14% 5.46%

Adj. ROATCE (3) 9.30% 8.83% 5.46%

Net Interest Margin 3.10% 2.96% 2.76%

$ in millions (except per share Quarter Ended

data)

148, 201, 61

20, 49, 89

Investment Highlights

• Recent market consolidation has resulted in a lack of sub-$5 billion asset sized banks in the Long Island and

Greater New York City Metro Area.

• Since June 2020, there have been 25 bank merger transactions in the tri-state area, 18 of which involved

targets with total assets less than $5 billion.

High Degree of

Franchise Scarcity

Value

• Since 2014, the residential mortgage operation has been highly focused on non-conforming lending in New

York City. With the addition of Savoy, the Company acquired a niche in SBA and small business commercial

banking platform. Since 2021, the Bank has strategically expanded growth efforts to focus in the commercial

banking space, alongside residential lending efforts.

• Hanover’s municipal deposit banking business is differentiated in that it is focused on long-term relationships

(46 as of June 30, 2026).

Niche Lending &

Funding Expertise

Drives Pricing Power

• Significantly enhanced the Bank’s commercial lending activity with the opening of the Hauppauge Business

Banking Center in May 2023 and the hiring of our EVP & Chief Lending Officer, Joseph Burns (previously First

Senior VP and New York State Market President of Valley Bank).

• Demonstrated track record of profitability and investing in the business. Hanover is highly focused on

increasing profitability and efficiency within its operating platform and branch network.

• The Company’s level of assets, loans, deposits and revenue relative to the number of branch offices is well

above peers. Management believes a continued focus on operating efficiently will result in above average

levels of profitability over the long-term.

Efficient, Profitable

and Scalable

Business Model

• Since 2016, Hanover has incurred $18.3 million in cumulative net charge-offs, representing 162 basis points of

average loans over that time period.

• Total non-accrual loans at June 30, 2026 were $28.3 million, or $21.3 million net of $7.0 million that is

government guaranteed by the SBA. At June 30, 2026 non-accrual loans were 1.42% of total loans; excluding

the guaranteed portion, non-accrual loans were 1.07% of total loans.

• Hanover’s reserves of $19.1 million represent 0.96% of total loans at June 30, 2026.

Disciplined

Underwriting and

High Quality

Balance Sheet

• Hanover’s executive team, which is led by Chairman and CEO Michael Puorro and President Kevin

O’Connor, has significant experience with M&A transactions and post-closing integration efforts.

• In August 2019, the Company closed the CFSB acquisition and has successfully grown the former CFSB deposit

franchise.

• In May 2021, the Company closed the Savoy merger, acquiring an approximately $650 million total asset

single branch commercial bank located in NYC. The transaction significantly diversified the Bank’s revenue

and lending mix while boosting profitability and leveraging Savoy’s expertise in commercial and SBA lending.

Demonstrated

Ability to Integrate

M&A Transactions

148, 201, 61

20, 49, 89

$541 $652

$862 $877

$1,458

$1,984

$2,270 $2,312 $2,383 $2,337

Corporate Timeline

Growth in Total Assets ($mm)

Note: Hanover previously had a fiscal year end of September 30th. 2017 - 2025 is for the period ended December 31st for each respective year.

✓ In February 2022, we initiated a

quarterly cash dividend of $0.10 p/s

✓ In March 2022, we opened a new

branch in Freehold, NJ

✓ In May 2022, we announced and

closed our IPO, issuing 1,466,250

common shares at $21.00 per share

✓ In July 2022, we announced a new

business banking center location in

Hauppauge, Suffolk County, Long

Island, which opened in May 2023

✓ In November 2023, we announced the

appointment of Joseph Burns as our

new Chief Lending Officer. He

previously served as regional president

of Valley Bank’s New York commercial

banking operation

✓ We changed our fiscal year end from

September 30th to December 31st in

October 2023 with a stub period from

October 1st through December 31st

2023

✓ In March and June 2017, we

established offices in Forest Hills and

Mineola, NY, respectively

✓ Our total consolidated assets grew to

over $500 million during 2017

✓ Announced and completed the

acquisition of Chinatown Federal

Savings Bank (CFSB) in 2018 and 2019

respectively; enhanced and diversified

our funding profile and provided

greater visibility in New York City

✓ We acquired total assets of $141.3

million, total loans of $93.6 million and

total deposits of $108.8 million, as well

as three branches in Manhattan and

Brooklyn, NY (one of which was

subsequently consolidated)

✓ In February 2019, the Bank further

expanded into Queens County, New

York with a de novo branch in Flushing,

New York

✓ In October 2020, we issued $25.0 million

in subordinated notes to support the

Savoy acquisition. The offering was

rated investment grade

✓ In late 2020, we established a

municipal banking business led by

Michael Locorriere, who has 25 + years

of banking and government

experience. He previously served as

EVP and Director of Municipal Banking

at a consolidated competitor in the

Long Island Market

✓ Savoy acquisition announced in 2020

and completed in 2021, we acquired

total assets of $648.4 million, total loans

of $573.1 million, and total deposits of

$340.2 million

✓ Filed a shelf registration statement on

Form S-3 for $50 million in January 2024

✓ The Company completed its core

system conversion to FIS Horizon in

February 2025. This upgrade has

enhanced efficiency, functionality, user

experience, and supports a digital-forward strategy

✓ Successfully opened the Port Jefferson

branch on June 25, 2025

✓ HNVR was added to the Russell 2000

index upon reconstitution in late June

2025

✓ Successfully refinanced $25.0 million of

floating rate subordinated debt

through a private placement of $35.0

million of 7.25% fixed-to-floating

subordinated notes due in 2036 to

enhance the Bank’s capital base –

completed March 2026

✓ Appointed Kevin O’Connor as

President effective July 27th, 2026. Mr.

O’Connor brings more than 35 years of

banking experience to Hanover

2017 2018 2019 2020 2021 2022 2023 2024 2025 Jun-26

Confidential Investor Presentation

Note: Throughout the presentation, unless otherwise specified, references to “Hanover” may be to either the holding company or the bank.

Hanover Executive Management Team

Name Position with Hanover Years of Banking

Experience

Year Started at

Hanover

Michael P. Puorro Chairman and CEO 35+ 2012

Kevin O’Connor President 35+ 2026

Lance P. Burke Senior Exec. VP & Chief Financial Officer 25+ 2021

Michael Locorriere Senior Exec. VP & Chief Municipal Officer 25+ 2020

Kevin Corbett Exec. VP & Chief Credit Officer 40+ 2020

Joseph F. Burns Exec. VP & Chief Lending Officer 35+ 2023

John P. Vivona Exec. VP & Chief Risk Officer 35+ 2023

Raymond Sanchez Exec. VP & Chief Information Officer 25+ 2022

Lisa A. Diiorio First Senior VP & Chief Accounting Officer 30+ 2016

Confidential Investor Presentation

Business Strategy

Creating a Differentiated Community Bank

Focus on Delivering Shareholder Value

Organic Growth

• Build the premier community bank franchise serving customers and small to mid-size businesses in the New York City metro

area and on Long Island

• Continue to penetrate the potential customer bases across multiple, highly profitable niche verticals that have substantial

expansion potential

• Continue to serve the local economies in our geographic footprint with a sustained commitment to unparalleled service that

is beyond the scope of larger banks and economies of scale that are beyond the reach of smaller competitors

• Focus on diversifying the loan portfolio through niche lending segments to generate appropriate risk-adjusted returns

• Continued growth and diversification through niche-residential real estate, conventional C&I, relationship CRE, and SBA and

USDA lending

• Commitment to complementing portfolio growth with continued growth of secondary market sales for SBA and USDA and non-QM residential loans

• The loan pipeline at June 30, 2026, is approximately $223.0 million, with 50% in niche-residential and SBA/USDA lending

opportunities and 22% in conventional C&I and CRE – Owner Occupied lending opportunities

Diversifying Loan

Portfolio through

Niche Segments

• Deposit and treasury management products and services complement the niche lending focus

• Launched back-to-back customer loan level swap program in late 2025, expected to gain traction by late-2026

into 2027, diversifying noninterest income sources and providing interest rate risk protection

• Established a municipal banking business in 2020 with potential to produce a significant level of deposits at cost effective

rates with the effort led by Michael Locorriere

• Continued development of strategically located, highly efficient branches in key commercial markets to drive organic,

relationship-based deposit and loan growth

Complementing

the Lending Efforts

and Diversifying

Funding

Strategic

Acquisitions

• The CFSB acquisition in August 2019 provided us with full-service branches which complemented our lending in those areas

• Expanded commercial banking capabilities through the Savoy acquisition, with a particular focus on small business clients

and Small Business Administration (SBA) lending

• Continue to pursue prudent and commercially attractive acquisitions in both traditional banking and select non-bank targets

Confidential Investor Presentation

March 2026

$35M Holding

Company

Subordinated

Debt Issuance

• Successful completion of $35M Holding Company

Subordinated Debt issuance on 3/12/26

• Fixed coupon of 7.25% for first 5 years then floating rate for

last 5 years (3m SOFR + 386bps)

• 10 Year final maturity, with ability to call the instrument after

year 5

• Proceeds used to pay off $25M of existing

subordinated debt floating @ 3M SOFR+487.4bps,

and to bolster capital position for future growth

initiatives

Subordinated Debt Issuance

Confidential Investor Presentation

2.13%

2.49%

HNVR Peer

Median

66.1% 67.0%

HNVR Peer

Median

$26.7

$34.2

$20.3 $21.5 $23.5

$12.0

$24.2

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 YTD

Jun-26

Annualized

Jun-26

Strong and Efficient Profitability

Success Maintaining Strong Profitability Metrics Across a Branch-lite Operating Model

Source: S&P Global Market Intelligence; SEC Filings.

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year. Peers include major

exchange-traded banks and thrifts with most recent quarter total assets between $1 and $3 billion, excluding merger targets and mutuals. Pre-provision net revenue is a

non-GAAP measure.

Net Income and Non-Interest Income ($M) Recent Margin Expansion

4-Year Avg. Efficiency Ratio (%) Adjusted Pre-Provision Net Revenue ($M) 4-Year Avg. Opex/Avg. Assets (%)

2.1% 1.0% 1.0%

Adjusted PPNR / Avg. Assets:

2.1% 1.0% 1.1%

6.18% 6.11% 6.11% 6.04% 6.01% 5.94% 5.99% 6.00%

4.10%

3.77% 3.54% 3.43% 3.40%

3.12% 2.97%

2.94%

2.37% 2.53% 2.68% 2.76% 2.74% 2.84% 2.96%

3.10%

Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26

Yield on Loans Cost of Deposits NIM

$5.4

$7.9

$10.7

$15.3

$12.8

$5.5

$11.2

$15.9

$22.4

$13.6 $12.3

$10.1

$8.3

$16.7

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 YTD

Jun-26

Annualized

Jun-26

Non-Interest Income Adjusted Net Income

Confidential Investor Presentation

$1,177

$1,518

$1,905 $1,954 $2,028 $2,013

$1,277

$1,747

$1,957 $1,986 $2,001 $1,998

$1,458

$1,984

$2,270 $2,312 $2,383 $2,337

$23.26 $24.34 $25.16 $26.48 $27.02 $27.66

$19.73 $21.66

$22.51 $23.86 $24.41 $25.02

Book Value Per Share Tangible Book Value per Share

TBV Per Share & Balance Sheet Growth

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year. Dollars in millions.

Note: CAGR calculated from December 31st, 2021 through June 30th , 2026.

(1) Includes Series A preferred stock.

Book Value / Tangible Book Value per Share(1)

Total Gross Loans (ex. HFS) ($mm) Total Deposits ($mm)

Total Assets ($mm)

Savoy acquisition

completed CECL adoption

148, 201, 61

20, 49, 89

359

591 573 551 541 566 437 577 715 729 777 764

1,277

1,747

1,957 1,986 2,001 1,998

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26

Multifamily

1-4 Family

Total

1-4

Family

38.3%

Multifamily 28.3%

CRE

25.4%

C&D 0.5%

C&I

7.5%

Consumer 0.0%

1-4

Family

34.2%

Multifamily 28.1%

CRE

29.1%

C&I

8.6%

Consumer 0.0%

Loan Growth (ex HFS) ($mm) Loan Yield Growth (%)

Diversified Loan Portfolio with Historical Growth

• Successfully executed strategic acquisitions and organic expansion to grow loan portfolio from $1.3 billion at December 31, 2021

to $2.0 billion at June 30, 2026, at a compound annual growth rate of 10%

• Well diversified loan portfolio with over 90% secured by real estate

Diversifying our Loan Portfolio

As of December 31, 2021 As of June 30, 2026

$1.3

billion

0 92 176

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year.

$2.0

billion

4Q’21 Yield on Loans: 5.18% 2Q’26 Yield on Loans: 6.00%

5.13

5.00

5.68

6.13

6.02 5.99

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26

Confidential Investor Presentation

$1.7

$1.1

HNVR Peers

$7.8

$4.5

HNVR Peers

$201.3

$88.7

HNVR Peers

$198.2

$79.4

HNVR Peers

$233.7

$106.3

HNVR Peers

Niche Lending & Branch-Lite Model Drives Profitability

Niche Lending & Funding Expertise

Drives Pricing Power Efficient, Profitable and Scalable Business Model

Yield on Loans

✓ A number of our business segments are focused on providing

specialized lending and deposit products to specific customer

groups within our markets.

✓ We are focused on providing expertise and excellent service in the

chosen segments in which we operate.

✓ Since 2014 our residential mortgage operation has been highly

focused on non-conforming lending in New York City.

✓ With Savoy, we acquired a niche SBA and small business

commercial banking business.

✓ Our municipal deposit banking business is differentiated in that we

are focused on long-term relationships and our customers are not

transactional in nature.

✓ Consistent Loan Yield achievement

Revenue per Office

Total Net Loans per Office Total Deposits per Office

Total Assets per Office

Net Income per Office

For the six months

ended June 30, 2026;

Profitability data

annualized

($ in millions)

Source: S&P Global Market Intelligence; SEC Filings. Jun-26 = data for the 3-month period ended June 30, 2026.

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year. Peers include major

exchange-traded banks and thrifts with most recent quarter total assets between $1 and $3 billion, excluding merger targets and mutuals.

(1) 2026 YTD utilizes adjusted net income (see appendix for reconciliation)

(1)

5.13% 5.00%

5.68%

6.13% 6.02%

5.99%

4.54% 4.68%

5.42%

5.76%

6.04% 5.94%

HNVR Peers

148, 201, 61

20, 49, 89

$1,277

$1,747

$1,957 $1,986 $2,001 $1,998

• For the quarter ended June 30, 2026, Hanover’s HFI loan portfolio

remained flat at $2.0 billion, from December 31, 2025.

• Hanover's loan pipeline at June 30, 2026 is approximately $223 million,

with approximately 50% being niche-residential and SBA/USDA lending

opportunities, and 22% in business(1) loans.

– Commercial real estate (CRE) concentration ratio continues to

improve with loans secured by office space accounting for 2%

of the total loan portfolio and totaling $40.2 million at June 30,

2026.

– The CRE concentration ratio decreased to 346% of total capital

at 06/30/2026 from 362% of total capital at 12/31/2025 and 368%

of total capital at 6/30/2025

• Continue to Realize Strategic Opportunities:

– Opened Hauppauge Business Banking Center in May 2023 &

Port Jefferson Branch in June 2025.

o $21.5M in C&I originations and ~$168M in deposit balances for

the quarter ended June 30, 2026

Niche Lending Segments: Niche-Residential and C&I

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year.

Total Gross Loans (ex. HFS) Growth ($mm)

1 Residential Real Estate

✓ Initiated our residential lending platform in 2013 with a

focus on the boroughs of New York City.

✓ We originate mainly non-qualified, alternative

documentation single-family residential mortgage loans

through broker referrals, our branch network and retail

channels.

✓ Developed flow origination program in 2024Q2; total

sales of $126M for a net gain of $3.2M on an annualized

basis through the first six months of 2026.

✓ We offer multiple products including those designed

specifically for two-to four-family units.

✓ Building on the acquisition of Savoy, we have invested

heavily in developing C&I Banking, prioritizing the hiring

of relationship-based bankers to drive organic deposit

and loan growth in our key markets.

✓ Since 2021, strategic initiative to build out the C&I

business included the opening of the Freehold branch

and expansion into Hauppauge and Port Jefferson while

simultaneously hiring a specialized C&I team.

✓ Our products include commercial deposit accounts,

cash management services and loans, including term

loans and lines of credit, all of which are powered by our

robust digital banking platform.

2 Commercial and Industrial

(1) Business loans defined as conventional C&I and CRE – Owner Occupied

$48 $0 $0 $38 $92 $62

$126 $107

$216 $191

$131

$245

$116

$234

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 YTD

Jun-26

Annualized

Jun-26

Loans Sold ($M) Loans Originated ($M)

148, 201, 61

20, 49, 89

Niche Lending Segments: SBA Lending

Year

Ended

12/31/22

Year

Ended

12/31/24

3 SBA Lending

• Continue to Realize Strategic and

Sensible SBA Lending Opportunities

through Economic Headwinds:

– Given the continued less

favorable economic outlook for

small business owners over the

last year and the Bank’s ongoing

prudent decision to tighten

credit, SBA loan originations and

gains on sales remain lower

relative to prior years.

– Hanover continues to capitalize

on SBA Lending opportunities

that align with the Bank’s

strategic plan and risk tolerance.

SBA

Originations

($M)

Average

Origination

Size

($M)

Loans Sold

($M)

Gross

Premium

(%)

Note: Hanover previously had a fiscal year end of September 30th. 2022 - 2025 is for the period ended December 31st for each respective year.

(1): Based on US SBA data for the fiscal year-end 9/30/25

Top 100 SBA lender

by volume(1)

Per US Small Business Administration

Year

Ended

12/31/25

Year

Ended

12/31/23

YTD

Annualized

06/30/26

8.26% 8.43% 9.49% 8.80% 9.31%

$72.1

$140.8

$161.0

$84.0

$38.1

$1.6

$1.2 $1.2 $1.0

$2.1

$53.1

$73.5

$111.7

$62.9

$29.4

148, 201, 61

20, 49, 89

408%

470%

432%

385% 362% 346%

Niche Lending Segments: Commercial Real Estate

4 Commercial Real Estate (including Multifamily)

✓ At June 30, 2026, 63% of the multifamily loan

portfolio is secured by properties subject to free

market rental terms, which is the dominant tenant

type. Both the Market Rent and Stabilized Rent

segments of our portfolio present very similar

average borrower profiles. The portfolio is primarily

located in the New York City boroughs of Brooklyn,

the Bronx and Queens.

✓ The Bank’s exposure to the Office market is not

significant at $40.2 million as of June 30, 2026, of

which less than 1% is located in Manhattan. The

pool has a 2.44x weighted average DSCR, and a

54% weighted average LTV.

✓ The Bank’s exposure to Land/Construction loans is

not significant at $10.3 million at June 30, 2026, all at

floating interest rates. As shown at right and on the

next slide, 16% of the loan balances in these

combined portfolios will either mature or have a

rate reset in 2026, with another 54% with rate resets

or maturing in 2027.

✓ The Bank’s commercial real estate concentration

ratio continues to improve, decreasing to 346% of

capital at June 30, 2026 from 362% of capital at

December 31, 2025.

Fixed Rate Reset / Maturity Schedule ($000s)

CRE / TRBC Ratio (%)

Calendar Period

(Loan Data as of

06/30/2026) # Loans

2026 17 $ 31,740 $ 1,867 6.02 %

2027 81 126,645 1,564 4.74 %

2028 28 30,106 1,075 6.65 %

2029 6 8,160 1,360 6.78 %

2030 14 13,353 954 6.99 %

2031+ 24 30,891 1,287 6.63 %

Fixed Rate 170 $ 240,895 $ 1,417 5.58 %

Floating Rate 10 7,677 768 7.92 %

Total CRE-Inv. 180 $ 248,572 $ 1,381 5.66 %

CRE Investor Portfolio

Total O/S Avg O/S

Avg

Interest

Rate

148, 201, 61

20, 49, 89

Niche Lending Segments: Multifamily Deep Dive

(1): Loan Data as of June 30, 2026

($ in thousands)

Rent Type

# of

Notes

Current

DSCR

Avg #

of Units

Location

Manhattan 6 $ 10,300 2 % $ 1,717 49.3 % 1.44 9

Other NYC 94 $ 263,153 46 % $ 2,800 60.7 % 1.40 9

Outside NYC 42 $ 82,409 15 % $ 1,962 62.4 % 1.52 14

Market 142 $ 355,862 63 % $ 2,506 60.8 % 1.43 10

Location

Manhattan 7 $ 10,090 2 % $ 1,441 49.8 % 1.76 19

Other NYC 78 $ 183,077 32 % $ 2,347 61.6 % 1.39 11

Outside NYC 11 $ 16,850 3 % $ 1,532 61.9 % 1.58 14

Stabilized 96 $ 210,017 37 % $ 2,188 61.1 % 1.42 12

Multifamily Loan Portfolio - Loans by Rent Type(1)

Outstanding

Loan Balance

% of Total

Multi-Family

Avg Loan

Size LTV ($000's omitted) ($000's omitted)

Calendar Period

(Loan Data as of

06/30/2026) # Loans

Calendar Period

(Loan Data as of

06/30/2026) # Loans

2026 22 $ 70,753 $ 3,216 3.62 % 2026 11 $ 25,609 $ 2,328 3.96 %

2027 70 184,958 2,642 4.39 % 2027 52 126,943 2,441 4.29 %

2028 15 20,517 1,368 6.14 % 2028 10 8,318 832 6.84 %

2029 7 11,120 1,589 6.58 % 2029 5 19,750 3,950 6.40 %

2030 8 20,099 2,512 6.19 % 2030 7 13,471 1,924 6.32 %

2031+ 19 48,314 2,543 5.83 % 2031+ 10 15,473 1,547 6.16 %

Fixed Rate 141 $ 355,761 $ 2,523 4.70 % Fixed Rate 95 $ 209,564 $ 2,206 4.82 %

Floating Rate 1 101 101 9.50 % Floating Rate 1 453 453 7.92 %

Total 142 $ 355,862 $ 2,506 4.71 % Total 96 $ 210,017 $ 2,188 4.82 %

Multifamily Market Rent Portfolio Multifamily Stabilized Rent Portfolio

Total O/S Avg O/S

Avg

Interest

Rate Total O/S Avg O/S

Avg

Interest

Rate

148, 201, 61

20, 49, 89

Stabilized Multifamily Pro Forma Stress Results

• The table above reflects a pro forma stressed evaluation of the Bank’s Multifamily rent stabilized loan portfolio at June 30, 2026, using

the primary assumption for a revised Debt Service Coverage Ratio (“DSCR”) calculation, for all loans where the current interest rate is

below 6.00%. The current balance for these loans is recast at 6.00% with a 30-year amortization.

• The projected Loan-to-value (“LTV”) assumption resets all loans using a 6.25% cap rate and the last reported property net operating income (“NOI”)

to determine an implied property valuation based on the current loan balance, the resultant LTV.

• The results show 5 loans totaling $16 million in the multifamily rent stabilized portfolio would have a pro forma DSCR less than 1x, which

represents 3% of the total multifamily portfolio.

• The remainder of this portfolio, totaling $194 million, representing 34% of the entire multifamily portfolio, would possess DSCR’s greater

than 1x while maintaining a projected weighted average LTV well within our policy guidelines.

• Additionally, 73% of the rent stabilized loans and 74% of the entire multifamily portfolio are further secured with personal guarantees

from borrowers

• Based on the maturities and rate resets in the previous 12 months, we believe the overall demand for multifamily housing in our market

will allow our borrowers to address any adverse impact proactively. The Bank continues to successfully manage multifamily loans with

scheduled rate repricing or maturities.

DSCR Range

< 1.0 5 $ 16,207 3 % 62 % 102 %

1.0 < x < 1.2 14 33,833 6 % 62 % 75 %

1.2 < x < 1.3 12 48,544 8 % 64 % 74 %

1.3 < x < 1.5 30 70,004 12 % 62 % 63 %

1.5 < x < 2.0 21 32,745 6 % 58 % 55 %

x > 2.0 14 8,684 2 % 45 % 37 %

Total 96 $ 210,017 37 % 61 % 68 %

# Loans

Multifamily Stabilized Rent Portfolio

Total O/S

($000's

omitted)

% of Total

Portfolio

Current

Weighted

Average LTV

Projected

Weighted

Average LTV

148, 201, 61

20, 49, 89

0.04% 0.00% 0.05% 0.08%

0.71%

0.06%

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 2026 YTD

Annualized

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year.

(1) Includes nonaccrual loans, loans greater than 90 days past due and accruing, and other real estate owned.

(2) Excludes portion of Non-performing loans guaranteed by the SBA

Asset Quality Managed Through Disciplined Policies and Procedures

Credit Philosophy

Credit Underwriting

and Administration

• Management utilized local community ties along with their experience with both federal and New York

bank regulatory agencies to create a bank that emphasizes strong credit quality.

• Total loans having credit risk ratings of Special Mention and Substandard were $56.4 million at June 30,

2026.

• Total non-accrual loans at June 30, 2026 were $28.3 million, or $21.3 million net of $7.0 million that is

government guaranteed by the SBA. At June 30, 2026 non-accrual loans were 1.42% of total loans.

Excluding the guaranteed portion, non-accrual loans were 1.07% of total loans.

• During Q4 2025, the Company initiated a strategic credit cleanup and recorded net charge-offs of $9.6

million. The $9.6 million consisted of a $4.0 million partial charge-off on a C&I loan that had deteriorated to

non-performing status during the quarter. This loan is to a borrower whose business has been negatively

impacted by tariffs and other economic challenges. In conjunction with the charge-off, a $1.0 million

specific reserve has been established for this loan. The remaining $5.6 million was comprised of full and

partial charge-offs on non-performing loans which had previously established specific reserves of $3.6 million.

• Allowance for credit losses was 0.96% of total loans at June 30, 2026. Loans secured by office space

accounted for 2% of the total loan portfolio with a total balance of $40.2 million, of which less than 1% is

located in Manhattan.

• Provision for credit loss expense of $0.5 million for the quarter ended June 30, 2026, versus $2.4 million for

the comparable period in 2025.

Nonperforming Assets(1) / Total Assets Net Charge-offs / Average Loans

0.59% 0.59% 0.64% 0.71%

0.93%

1.24%

0.56% 0.58% 0.62% 0.69% 0.78%

0.94%

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26

Nonperforming Assets / Total Assets

Nonperforming Assets, excl. guaranteed/Total Assets (2)

148, 201, 61

20, 49, 89

$1,177

$1,518

$1,905 $1,954 $2,028 $2,013

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26

NonInterest-bearing

Deposits, 13%

IB Demand, Savings

& MMDA, 62%

Time

Deposits,

25%

Deposit Growth ($mm) Noninterest-Bearing Deposit Growth ($mm)

Noninterest-bearing Deposits

IB Demand, Savings &

MMDA

26%

Time Deposits

73%

Growing Core Deposit Franchise

• Completed core conversion in February 2025, which resulted in material improvements in user interfaces, functionality and efficiency

that will better support our commitment to a digital forward future on better financial terms

• Reduced wholesale funding levels (defined as Federal Home Loan Bank (“FHLB”) borrowings, brokered deposits, listing service

deposits and Federal funds purchased)

• As of June 30, 2026, Municipal funding accounted for 46 relationships and ~$577M in deposit relationships at a weighted average rate

of 2.98%

Diversifying our Deposit Composition

As of September 30, 2012 As of June 30, 2026

$54

million

0 92 176

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year.

$2.0

billion

$191 $200 $208 $212

$248 $254

Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26

Confidential Investor Presentation

Insured and

Collateralized,

87%

Uninsured,

13%

20%

36%

33%

U.S. GSE residential MBS - AFS U.S. GSE residential CMO - AFS

U.S. GSE commercial MBS - AFS Collateralized loan obligations - AFS

Corporate bonds- AFS U.S. GSE residential MBS - HTM

$850

$1,128

$1,382 $1,457 $1,518 $1,507

High Level of Insured and Collateralized Deposits

Insured and collateralized deposits, which include municipal

deposits, accounted for approximately 87% of total deposits at

June 30, 2026.

Commitment To Growing

Core(1) Deposit Balances

Balance Sheet Liquidity

Securities Portfolio Composition

As of June 30, 2026, the Company maintained a strong

liquidity position with $742.6 million in undrawn sources,

covering 288% of uninsured deposits. The loan portfolio

continues to demonstrate diversification, with C&I loans

increasing by $42.5 million since the end of 2023; 14% on

a compound annual basis

• At June 30, 2026, accumulated

other comprehensive loss

included an unrealized loss on

AFS securities of $0.5 million

– Representing

only 0.3% of total

equity for the

same period

Total Core Deposits since December 2021 ($M)

(1) Core deposits consist of Demand, NOW, Savings, and Money Market deposits.

151 185

224

• Securities portfolio of $136.0

million as of June 30, 2026

– AFS securities / fair value

o $48.5 mm CLOs

o $45.0 mm corporate bonds

o $11.1 mm residential CMO

o $28.0 mm residential MBS

o $2.5 mm commercial MBS

– HTM securities / amort. cost

o $0.9 mm residential MBS

Confidential Investor Presentation

2016

Rank Institution

Deposits

($mm)

1 $2,695

2 $3,344

3 $2,926

4 $3,009

5 $3,412

6 $2,714

7 $2,260

8 $2,609

9 $1,838

10 $1,392

Significant Consolidation of NYC Metro Community Banks Provides

Growth Opportunities

Source: SEC Filings; S&P Global Market Intelligence. Note: Dollars in millions.

(1) Banks in the NYC MSA acquired in a given year as a percentage of the number of institutions with total assets less than $5 billion as of December 31st of the prior year.

(2) Institutions ranked by asset size. Includes banks with total assets less than $5 billion as of December 31st, 2016.

% of Banks Acquired in NYC(1) Top 20 NYC MSA Banks in 2016(2)

Approximately 37% of banks(1) in NYC MSA were

consolidated in the last 5 years 2016

Rank Institution

Deposits

($mm)

11 $1,167

12 $1,113

13 $695

14 $946

15 $835

16 $777

17 $746

18 $661

19 $718

20 $573

Acquired Institutions ranked by asset size

Long Island Significantly Consolidated

4.3%

14.5%

7.5%

10.2%

6.4%

0.0%

4.7%

2019Y

2020Y

2021Y

2022Y

2023Y

2024Y

2025Y

Confidential Investor Presentation

1.0

1.1

1.2

1.3

2.2

3.1

3.2

4.1

New Jersey

Ohio

North Carolina

Pennsylvania

Georgia

Illinois

New York

Florida

Texas

California

19.4

12.8

9.2

8.4

7.7

6.4

6.3

5.2

New York City

Los Angeles

Chicago

Dallas

Houston

Atlanta

Washington D.C.

Miami

Philadelphia

Phoenix

New York MSA – A Leading U.S. Banking Market

Population (mm) Deposits per Branch ($mm)

Deposits ($bn)

Most Populated MSA 3

rd Largest Deposits per Branch (min $100bn in MSA)

Largest Deposit Market (MSA)

Small Businesses (mm)

th Most Small Businesses by State

$410

$426

$443

$453

$526

$599

$798

$829

$4,098

$4,875

Philadelphia, PA

Jacksonville, FL

San Antonio, TX

Raleigh, NC

San Francisco, CA

San Jose, CA

Charlotte, NC

New York City

Salt Lake City, UT

Sioux Falls, SD

$497

$553

$585

$687

$690

$712

$783

$897

$1,049

$4,032

San Francisco, CA

Washington, DC

Boston, MA

Chicago, IL

Philadelphia, PA

Dallas, TX

Los Angeles, CA

Sioux Falls, SD

Salt Lake City, UT

New York City

Source: S&P Global Market Intelligence; SEC Filings; US Census; U.S. Small Business Administration. Note: Small Business data as of 2024.

Note – Deposits as of 6/30/2025 and includes all Commercial Banks, Savings Banks, Savings & Loan Associations, and Credit Unions

Note – Population data as of 2025

148, 201, 61

20, 49, 89

Non-GAAP Reconciliation

Tangible Book Value per Share/Tangible Common Equity/Tangible Assets/Tangible Common Equity Ratio

(1) Includes common stock and Series A preferred stock.

As of Jun. 30, As of Mar. 31, As of Jun. 30,

Non-GAAP Reconciliation Table 2026 2026 2025 2025 2024 2023 2022 2021

(dollars in thousands except per share data)

Book value per share (GAAP) (1) $ 27.66 $ 27.11 $ 26.52 $ 27.02 $ 26.48 $ 25.16 $ 24.34 $ 23.26

Less: goodwill and other intangible assets (2.64) (2.61) (2.58) (2.61) (2.62) (2.65) (2.68) (3.53)

Tangible book value per share (Non-GAAP) (1) $ 25.02 $ 24.50 $ 23.94 $ 24.41 $ 23.86 $ 22.51 $ 21.66 $ 19.73

Stockholders' equity (GAAP) (1) $ 202,747 $ 201,441 $ 198,885 $ 200,266 $ 196,638 $ 184,830 $ 177,628 $ 129,379

Less: goodwill and other intangible assets (19,339) (19,352) (19,390) (19,364) (19,418) (19,479) (19,549) (19,627)

Tangible common equity (Non-GAAP)(1) $ 183,408 $ 182,089 $ 179,495 $ 180,902 $ 177,220 $ 165,351 $ 158,079 $ 109,752

Total assets (GAAP) $ 2,336,630 $ 2,370,949 $ 2,311,976 $2,383,096 $2,312,110 $2,270,060 $1,983,692 $1,458,180

Less: goodwill and other intangible assets (19,339) (19,352) (19,390) (19,364) (19,418) (19,479) (19,549) (19,627)

Tangible assets (Non-GAAP) $ 2,317,291 $ 2,351,597 $ 2,292,586 $2,363,732 $2,292,692 $2,250,581 $1,964,143 $1,438,553

Common Equity Ratio (GAAP) 8.68% 8.50% 8.60% 8.40% 8.50% 8.14% 8.95% 8.87%

Less: impact from goodwill and other intangible assets (0.77%) (0.76%) (0.77%) (0.75%) (0.77%) (0.79%) (0.90%) (1.24%)

Tangible common equity ratio (Non-GAAP) (1) 7.91% 7.74% 7.83% 7.65% 7.73% 7.35% 8.05% 7.63%

As of December 31,

148, 201, 61

20, 49, 89

Non-GAAP Reconciliation

Adjusted Net Income / Adjusted Diluted Earnings per Share / Adjusted ROAA / Adjusted ROATCE

Note: Ratio as of or for the three months ended June 30th , 2026, March 31st, 2026 and June 30th, 2025 are annualized.

(1) Includes common stock and Series A preferred stock.

Non-GAAP Reconciliation Table

06/30/26 03/31/26 06/30/25 2025 2024 2023 2022 2021

Net income $ 4,064 $ 1,874 $ 2,443 $ 7,488 $ 12,346 $ 13,589 $ 22,357 $ 15,869

Adjustments:

Conversion expenses - - - 3,180 - - - -

Litigation settlement payment - - - - - (975) - -

Debt extinguishment charges 240 - - - - - - -

Severance and retirement 35 2,305 - - 219 777 - -

Merger-related expenses - - - - - - 250 4,285

Income tax effect of adjustments above (69) (182) - (608) (55) 57 (53) (936)

Adjusted net income (Non-GAAP) $ 4,270 $ 3,997 $ 2,443 $ 10,060 $ 12,510 $ 13,448 $ 22,554 $ 19,218

Diluted earnings per share (1) $ 0.55 $ 0.25 $ 0.33 $ 1.00 $ 1.66 $ 1.84 $ 3.46 $ 3.14

Adjustments for non-recurring charges, net of tax 0.03 0.29 - 0.35 0.02 (0.02) 0.03 0.67

Adjusted diluted earnings per share (Non-GAAP) (1) $ 0.58 $ 0.54 $ 0.33 $ 1.35 $ 1.68 $ 1.82 $ 3.49 $ 3.81

Return on average assets 0.73% 0.33% 0.44% 0.33% 0.55% 0.66% 1.39% 1.28%

Adjustments for non-recurring charges, net of tax 0.04% 0.37% 0.00% 0.12% 0.01% -0.01% 0.01% 0.27%

Adjusted return on average assets (Non-GAAP) 0.77% 0.70% 0.44% 0.45% 0.56% 0.65% 1.40% 1.55%

Average stockholders’ equity (1) $ 203,462 $ 203,015 $ 198,869 $ 200,676 $ 191,323 $ 182,700 $ 158,460 $ 106,003

Less: average goodwill and other intangible assets (19,346) (19,358) (19,398) (19,391) (19,449) (19,515) (19,588) (12,138)

Average tangible common equity (Non-GAAP) (1) $ 184,116 $ 183,657 $ 179,471 $ 181,285 $ 171,874 $ 163,185 $ 138,872 $ 93,865

Return on average common equity (1) 8.01% 3.74% 4.93% 3.73% 6.45% 7.44% 14.11% 14.97%

Adjustments for non-recurring charges, net of tax 0.41% 4.24% 0.00% 1.28% 0.09% -0.08% 0.12% 3.16%

Adjusted return on average common equity

(Non-GAAP) (1) 8.42% 7.98% 4.93% 5.01% 6.54% 7.36% 14.23% 18.13%

Return on average tangible common equity

(Non-GAAP) (1) 8.85% 4.14% 5.46% 4.13% 7.18% 8.33% 16.10% 16.91%

Adjustments for non-recurring charges, net of tax 0.45% 4.69% 0.00% 1.42% 0.10% -0.09% 0.14% 3.56%

Adjusted return on average tangible common

equity (Non-GAAP) (1) 9.30% 8.83% 5.46% 5.55% 7.28% 8.24% 16.24% 20.47%

As of or For the Years Ended December 31,

(dollars in thousands, except per share data)

As of or For the Three Months Ended

148, 201, 61

20, 49, 89

Non-GAAP Reconciliation

Pre-Provision Net Revenue / Average Assets

Note: Ratio as of or for the three months ended June 30th , 2026, March 31st, 2026 and June 30th, 2025 are annualized.

1) Net Revenue is pre-provision net revenue less provision for credit losses

Non-GAAP Reconciliation Table

06/30/26 03/31/26 06/30/25 2025 2024 2023 2022 2021

Net interest income (GAAP) $ 16,771 $ 16,362 $ 14,795 $ 60,477 $ 53,092 $ 51,887 $ 61,250 $ 49,650

Non-interest income (GAAP) 2,796 2,744 3,561 12,843 15,339 10,691 7,907 5,438

Non-interest expense (GAAP) (13,648) (15,606) (12,616) (52,984) (47,112) (42,120) (35,188) (32,679)

Pre-provision net revenue (Non-GAAP) $ 5,919 $ 3,500 $ 5,740 $ 20,336 $ 21,319 $ 20,458 $ 33,969 $ 22,409

Pre-provision net revenue (annualized)

(Non-GAAP) $ 23,741 $ 14,194 $ 23,023 $ 20,336 $ 21,319 $ 20,458 $ 33,969 $ 22,409

Average Assets $ 2,231,942 $ 2,307,841 $2,208,164 $2,258,311 $2,233,028 $ 2,065,621 $1,612,660 $1,240,511

Net Revenue(1)/average assets (GAAP) 0.97% 0.52% 0.61% 0.44% 0.73% 0.89% 1.79% 1.66%

Pre-provision net revenue/average assets 1.06% 0.62% 1.04% 0.90% 0.95% 0.99% 2.11% 1.81%

Pre-provision net revenue (Non-GAAP) $ 5,919 $ 3,500 $ 5,740 $ 20,336 $ 21,319 $ 20,458 $ 33,969 $ 22,409

Adjustments:

Conversion Expenses - - - 3,180 - - - -

Litigation settlement payment - - - - - (975) - -

Debt extinguishment charges 240 - - - - - - -

Severance and retirement 35 2,305 - - 219 777 - -

Merger-related expenses - - - - - - 250 4,285

Adjusted Pre-Provision Net Revenue

(Non-GAAP) $ 6,194 $ 5,805 $ 5,740 $ 23,516 $ 21,538 $ 20,260 $ 34,219 $ 26,694

Adjusted Pre-Provision Net Revenue

(annualized) (Non-GAAP) $ 24,844 $ 23,543 $ 23,023 $ 23,516 $ 21,538 $ 20,260 $ 34,219 $ 26,694

Adj. Pre-provision net revenue/average

assets (Non-GAAP) 1.11% 1.02% 1.04% 1.04% 0.96% 0.98% 2.12% 2.15%

As of or For the Years Ended December 31,

(dollars in thousands)

As of or For the Three Months Ended

148, 201, 61

20, 49, 89

Historical Consolidated Balance Sheet

December 31,

($ in thousands) 2021 2022 2023 2024 2025

Total Cash and Cash Equivalents 114,951 152,298 177,207 162,857 208,904

Investment Securities 12,370 16,487 65,460 87,513 100,569

Total Cash & Investment Securities 127,321 168,785 242,667 250,370 309,473

Total Loans 1,277,434 1,746,810 1,957,199 1,985,524 2,000,749

Allowance for Credit Losses 9,386 14,404 19,658 22,779 18,694

Loans HFS – – 8,904 12,404 6,407

Total Loans, Net 1,268,048 1,732,406 1,946,445 1,975,149 1,988,462

Goodwill and Intangible Assets 19,627 19,549 19,479 19,418 19,364

Other Assets 43,184 62,952 61,469 67,173 65,797

Total Assets 1,458,180 1,983,692 2,270,060 2,312,110 2,383,096

Total Deposits 1,176,751 1,517,650 1,904,595 1,954,283 2,028,387

Borrowings 113,274 250,336 139,412 116,830 111,292

Subordinated Debt 24,504 24,581 24,635 24,689 24,743

Total Debt 137,778 274,917 164,047 141,519 136,035

Total Other Liabilities 14,272 13,497 16,588 19,670 18,408

Total Liabilities 1,328,801 1,806,064 2,085,230 2,115,472 2,182,830

Preferred Equity – 2,963 2,963 5,041 5,041

Common Equity 129,379 174,665 181,867 191,597 195,225

Total Shareholder's Equity 129,379 177,628 184,830 196,638 200,266

Total Liabilities and Shareholder's Equity 1,458,180 1,983,692 2,270,060 2,312,110 2,383,096

Source: Company documents; S&P Global Market Intelligence.

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year.

As of June30,

($ in thousands) 2021 2022 2023 2024 2025 2026

Total Cash and Cash Equivalents 114,951 152,298 177,207 162,857 208,904 141,243

Investment Securities 12,370 16,487 65,460 87,513 100,569 135,955

Total Cash & Investment Securities 127,321 168,785 242,667 250,370 309,473 277,198

Total Loans 1,277,434 1,746,810 1,957,199 1,985,524 2,000,749 1,997,893

Allowance for Credit Losses (9,386) (14,404) (19,658) (22,779) (18,694) (19,139)

Loans HFS 8,904 12,404 6,407 2,928

Total Loans, Net 1,268,048 1,732,406 1,946,445 1,975,149 1,988,462 1,981,682

Goodwill and Intangible Assets 19,627 19,549 19,479 19,418 19,364 19,339

Other Assets 43,184 62,952 61,469 67,173 65,797 58,411

Total Assets 1,458,180 1,983,692 2,270,060 2,312,110 2,383,096 2,336,630

Total Deposits 1,176,751 1,517,650 1,904,595 1,954,283 2,028,387 2,012,839

Borrowings 113,274 238,273 128,953 107,805 100,725 59,810

Subordinated Debt 24,504 24,581 24,635 24,689 24,743 34,229

Total Debt 137,778 262,854 153,588 132,494 125,468 94,039

Other Liabilities 14,272 25,560 27,047 28,695 28,975 27,005

Total Liabilities 1,328,801 1,806,064 2,085,230 2,115,472 2,182,830 2,133,883

Preferred Equity - 2,963 2,963 5,041 5,041 5,041

Common Equity 129,379 174,665 181,867 191,597 195,225 197,706

Total Shareholder's Equity 129,379 177,628 184,830 196,638 200,266 202,747

Total Liabilities and Shareholder's Equity 1,458,180 1,983,692 2,270,060 2,312,110 2,383,096 2,336,630

As of December 31,

148, 201, 61

20, 49, 89

Historical Consolidated Income Statement

Six Months Ended

June 30,

($ in thousands) 2021 2022 2023 2024 2025 2026

Total Interest Income 55,794 74,385 113,626 133,022 130,479 64,358

Total Interest Expense 6,144 13,135 61,739 79,930 70,002 31,225

Net Interest Income 49,650 61,250 51,887 53,092 60,477 33,133

Provision For Credit Losses 1,800 5,050 2,132 4,940 10,382 1,030

NII After Provision for Credit Losses 47,850 56,200 49,755 48,152 50,095 32,103

Non-Interest Income 5,438 7,907 10,691 15,339 12,843 5,540

Non-Interest Expense 32,679 35,188 42,120 47,112 52,984 29,254

Income Before Income Tax Expense 20,609 28,919 18,326 16,379 9,954 8,389

Income Tax Expense 4,740 6,562 4,737 4,033 2,466 2,451

Net Income 15,869 22,357 13,589 12,346 7,488 5,938

Earnings Per Share ($) 3.16 3.32 1.85 1.67 1.00 0.80

Years Ended December 31,

Source: Company documents; S&P Global Market Intelligence.

Note: Hanover previously had a fiscal year end of September 30th. 2021 - 2025 is for the period ended December 31st for each respective year.

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