Oppfi Inc. · NYSE:OPFI
Oppfi — Merger or Acquisition (April 2026)
13 slides from Oppfi's merger presentation, Apr 29, 2026
Slide 1: A Transformative Combination: OppFi to Acquire BNCCORP
A Transformative Combination OppFi to Acquire BNCCORP 4/29/2026
Slide 2: Disclaimer
Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for informational purposes only and has been prepared in connection with the Company’s announcement of its corporate simplification and entry into a definitive merger agreement with BNCCORP, Inc. (“BNCC”).
Slide 3: Our Vision: A Technology-Driven Next-Gen Bank For Everyday Americans
Our Vision: A Technology- Driven Next-Gen Bank Bank For Everyday Americans • Expanded Credit Access • Reduced Complexity • Diversified Product Offerings
Slide 4: Vision: A compelling, strategic combination
A compelling, strategic combination designed to: 1 Increase credit access and enhance product offerings + 2 Enable geographic expansion and product diversification 3 Reduce regulatory ambiguity and provide operational simplification 4 Lower funding costs Vision: A next-generation online banking expe
Slide 5: BNCCORP Transaction Highlights
BNCCORP Transaction Highlights Launches OppFi’s Banking Platform BNCCORP Overview Terms of Transaction Approvals and Closing Effects • BNCCORP, Inc. (“BNCC”) is the bank holding • ~$130mm for 100% of the common stock of • Transaction has been unanimously approved by company of BNC National Bank (“BN
Slide 6: Complementary Platforms to Maximize Potential Combined
Complementary Platforms to Maximize Potential A combination would create a digital banking and financial services platform for the everyday American Combined Mission-Driven Model Focused on the Everyday American High-Retention Customer Relationships Readily-Available, Low-Cost Funding
Slide 7: Combined Bank Products
Combined Bank Products Consumer Lines of Credit + Consumer Installment Loans + Small Business Lines of Credit + The combined entity’s Small Business Installment Loans + product suite is intended to leverage each company’s Revenue-based Financing + strengths to provide Commerci
Slide 8: BNCCORP overview: assets, deposits and loan portfolio
• Trusted financial institution providing personalized banking solutions tailored to the unique needs of its clients Data as of year-end 2025 • Focused on catering to the needs of the ~$1.1 Billion in Assets $978 Million in Deposits underserved small and mid-sized Loans $739 Deposits $978 business m
Slide 9: Transaction Summary
Transaction Summary • OppFi will acquire BNCCORP, Inc. (“BNCC”) and its wholly owned subsidiary, BNC National Bank (“BNC” or the “Bank”), for an aggregate purchase value of approximately $130mm Consideration • Represents a Price / Book Value at announcement of approximately 1.2x • A combination of a
Slide 10: Anticipated Strategic and Financial Benefits
Anticipated Strategic and Financial Benefits Increased Platform Simplification and Scalability • National bank charter enables OppFi to operate under a single, scalable operating model • Operating under federal oversight will simplify compliance by replacing state-by-state regulations with a single
Slide 11: Pro Forma Combined Anticipated Financial Profile
Illustrative Bank Holding Company Pro Forma Combined and Bank Subsidiary at Closing Anticipated Financial Profile December 31, 2025 Consolidated Estimated Pro Balance Sheet OppFi Standalone BNCC Standalone Forma at Close • The pro forma business will maintain regulatory capital in excess of well-cap
Slide 12: Appendix
Appendix 12
Slide 13: Key Assumptions and Transaction Metrics
Key Assumptions and Transaction Metrics • OppFi based on 2027 consensus estimates and grown 10% annually Transaction Metrics Earnings thereafter ($MM, except per share data) Estimates • BNCCORP based on management guidance Exchange Ratio 1.90x • Incorporates identified revenue and operational synerg