Contract analysis

PRICING TERM SHEET February 19, 2026 Belmont Ridge Bank, National Association 6.750% Fixed-to-Floating Rate Subordinated Notes due 2036 This Pricing Term Sheet supplements, and should be read in conjunction with, the Preliminary Confidential Offering Memorandum dated February 14, 2026 (the "Preliminary Offering Memorandum"), relating to the offering of 6.750% Fixed-to-Floating Rate Subordinated Notes due 2036 (the "N