. . . OceanFirst Financial Corp. Investor Presentation May 2021 Exhibit 99.1

. . . Forward Looking Statements In addition to historical information, this presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project,” “will,” “should,” “may,” “view,” “opportunity,” “potential,” or similar expressions or expressions of confidence. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to: changes in interest rates, general economic conditions, public health crises (such as governmental, social and economic effects of the novel coronavirus), levels of unemployment in the Bank’s lending area, real estate market values in the Bank’s lending area, future natural disasters and increases to flood insurance premiums, increased defaults as a result of economic disruptions caused by novel coronavirus, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes (particularly with respect to the novel coronavirus), monetary and fiscal policies of the U.S. Government including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company’s market area, accounting principles and guidelines and the Bank’s ability to successfully integrate acquired operations. These risks and uncertainties are further discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020, under Item 1A - Risk Factors and elsewhere, and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results. No Offer or Solicitation: The Presentation does not constitute or form part of, and should not be construed as, an offer to sell or issue, or the solicitation of an offer to purchase, subscribe to or acquire, securities of the Company, or an inducement to enter into investment activity in the United States or in any other jurisdiction in which such offer, solicitation, inducement or sale would be unlawful prior to registration, exemption from registration or qualification under the securities laws of such jurisdiction. No part of this Presentation, nor the fact of its distribution, should form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. I N V E S T O R P R E S E N T A T I O N 2 M A Y | 2 0 2 1 . . .

. . . OceanFirst Financial Corp. • NASDAQ: OCFC • Market Cap: $1.36 billion1 • Bank Holding Company with National Bank Subsidiary • Founded in 1902 • Total Assets of $11.6 billion2 • 58 Full-Service Branches in New Jersey and Metropolitan New York City1 I N V E S T O R P R E S E N T A T I O N 3 1 As of April 28, 2021 2 As of March 31, 2021 Headquarters OceanFirst Bank Branches OceanFirst Bank Loan Offices . . . M A Y | 2 0 2 1

. . . Investment Thesis – Well Positioned for the Post-COVID-19 Environment • Strength of Assets • Balance sheet de-risked with executed loan sales, resolution of substantially all full forbearance loans, and extinguishment of high-cost borrowings • Organic Growth Including Low-Cost and Durable Deposit Base • Cost of deposits is low at 37 basis points (bps), and is projected to fall • Digital Innovation • Digital products and customer experience on par with national banks and FinTechs, outpacing regional and community banks • Disciplined and Strategic M&A • Acquired attractive and underappreciated assets in exurban markets at favorable prices • Bench Strength • Deep banking, regulatory, M&A, and integration experience • Demonstrated strong pandemic response • Conservative Risk Culture • Commitment to management of credit, interest rate and regulatory/compliance risk • Insider Ownership • Meaningful insider ownership aligned with shareholder interest I N V E S T O R P R E S E N T A T I O N 4 . . . M A Y | 2 0 2 1

. . . I N V E S T O R P R E S E N T A T I O N 5 First Quarter 2021 Results Financial Results • Net interest margin of 2.93% • Record loan originations of $748 million in Q11 • Loan pipeline of $344 million at March 31, 2021 • Total deposit costs decreased by 8bps from Q4 to Q1 to 37bps • Gain of $8.1 million realized by selling yield-focused common stock equity portfolio Strategic and Operational Focus • COVID-19 on-going initiatives for employees, customers, and community • Recommit resources to core businesses, loan growth, and customer service • Expanded commercial banking team to support organic growth and deploy excess liquidity • Considering a common share repurchase plan and M&A opportunities as they arise to improve operating scale2 . . . M A Y | 2 0 2 1 1 Excludes PPP loan originations of $60 million 2 Repurchased 500,000 shares at a weighted average cost of $19.94 in Q1

. . . 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 Q 4 Q 1 Q 2 Q 3 Q 4 Q 1 Q 2 Q 3 Q 4 Q 1 Q 2 Q 3 Q 4 Q 1 Q 2 Q 3 Q 4 Q 1 Q 2 Q 3 Q 4 Q 1 Q 2 Q 3 Q 4 Net Interest Margin2 OceanFirst Bank Peer Average Operational Highlights • Non-interest bearing deposits are 23% of average balance of total deposits 1 • An extraordinary surplus of liquidity will temporarily weigh on margins until the excess cash can be prudently deployed I N V E S T O R P R E S E N T A T I O N 6 Net Interest Margin 2015 2016 2017 2018 20192014 0.09 2020 1 Based on average balances for the three months ended March 31, 2021 2 Source: Bank Reg Data as of December 31, 2020 M A Y | 2 0 2 1 * OceanFirst Bank Q4 NIM includes excess liquidity 3.10* 3.17 . . .

. . . I N V E S T O R P R E S E N T A T I O N 7 Deposit Growth with Branch Consolidation Strength and Durability of Low- Cost Deposit Position: • $153 million average branch size as of March 31, 2021, doubling in size over the past 5 years • Core deposits represent 88%2 of total deposits, with a cost of deposits of 37 basis points 1 All periods as of December 31, except 2021 which is as of March 31 2 All deposits except certificates of deposits T o ta l D e p o s it s ( $ M il li o n s ) 0 25 50 75 100 125 150 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 2015 2016 2017 2018 2019 2020 2021 Total Deposits Per Branch1 Total Deposits Average Deposits Per Branch A v e ra g e D e p o s its P e r B ra n c h ($ M illio n s ) . . . M A Y | 2 0 2 1

. . . I N V E S T O R P R E S E N T A T I O N 8 Loan Composition Emphasizes Commercial1 . . . 1 All periods as of December 31, except 2021 which is as of March 31 $0 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 2021 2020 2019 2018 2017 2016 Total Loans Outstanding Residential Home Equity & Consumer Investor CRE Owner Occupied CRE C&I Loans (in millions) 32% 68% Loans by Customer Segment ConsumerCommercial Consumer Commercial M A Y | 2 0 2 1 68% NJ 17% NY 15% PA and Other Loans by State

. . . 0.00% 0.15% 0.30% 0.45% 0.60% 0.75% 0.90% 1.05% 1.20% 1.35% 1.50% 2016 2017 2018 2019 2020 2021 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% C o re R e tu rn o n T a n g ib le S to c k h o ld e rs ’ E q u it y Core Return on Tangible Stockholders' Equity Core Return on Assets 1, 3 1 I N V E S T O R P R E S E N T A T I O N 9 Generating Consistent & Attractive Returns 1 For 2016 to 2021, excludes merger related expenses. For 2016, also excludes Federal Home Loan Bank (“FHLB”) prepayment fees and loss on sale of investment securities. For 2017 to 2021, also excludes the effect of branch consolidation expense. For 2017 and 2018, also excludes the effect of additional income tax expense (benefit) related to the Tax Cuts and Jobs Act. For 2019, also excludes the effect of compensation expense due to the retirement of an executive officer, non-recurring professional fees, and income tax benefit related to change in New Jersey tax code. For 2020, also excludes the net gain on equity investments, FHLB prepayment fees, gain on sale of PPP loans and the Two River and Country opening credit loss expense under the CECL model. For 2021, also excludes net gain on equity investments. 2 For 2020, returns adversely impacted by COVID-19. 3 For 2021, Q1 results are annualized. 1 1 1 1, 2 . . . M A Y | 2 0 2 1 C o re R e tu rn o n A s s e ts

. . . I N V E S T O R P R E S E N T A T I O N 10 Credit Metrics Reflect Conservative Culture N o n -P e rf o rm in g L o a n s a s P e rc e n t o f T o ta l L o a n s R e c e iv a b le 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 2016 2017 2018 2019 2020 2021 Residential Consumer Commercial Real Estate Commercial & Industrial 0.43% 0.35% 0.52% 0.29% 0.31% 0.15% 0.10% 0.05% 0.02%NET CHARGE-OFFS 0.47% 0.24%1 Non-Performing Loans by Source as a Percent of Loans Receivable NM2 . . . M A Y | 2 0 2 1 1 Core net charge-offs (which exclude net charge-offs of $17.8 million related to higher risk commercial loans and the sale of under-performing residential/consumer loans sold), were 0.01% of total loans 2 Not meaningful; $280,000 in net recoveries for the three months ended March 31, 2021

. . . I N V E S T O R P R E S E N T A T I O N 11 Asset Growth Supplemented by Strategic M&A Opportunistic Acquisitions of Local Community Banks Target Closing Date Transaction Value Total Assets Colonial American Bank July 31, 2015 ~$12 million $142 million Cape Bancorp May 2, 2016 ~$196 million $1,518 million Ocean Shore Holding Co. November 30, 2016 ~$146 million $1,097 million Sun Bancorp, Inc. January 31, 2018 ~$475 million $2,044 million Capital Bank of New Jersey January 31, 2019 ~$77 million $495 million Two River Bancorp January 1, 2020 ~$197 million $1,109 million Country Bank Holding Company Inc. January 1, 2020 ~$113 million $798 million Weighted average1: Price/Tangible Book Value 158%; Core Deposit Premium 9.0% 1At time of announcement. . . . M A Y | 2 0 2 1

. . . Headquarters OceanFirst Bank Branches OceanFirst Bank Loan Offices I N V E S T O R P R E S E N T A T I O N 12 New Jersey Expansion Opportunities • New Jersey is an attractive market 1 • Statewide Total Population of 8.9 million • Most densely populated state • 11th most populous state • Median household income of $72,000 • Significant opportunities for acquisitions to build customer base • Support expansion in Metropolitan Philadelphia and Metropolitan New York 1 US Census Bureau Population of 4.3 million with deposits of $130 billion . . . M A Y | 2 0 2 1

. . . I N V E S T O R P R E S E N T A T I O N 13 Regional Opportunities for M&A Regional banking data as of June 30, 2020 Source: FDIC New York City Metro Area • 4 Banks with Assets Between $400 million and $1 billion • 7 Banks with Assets Between $1 billion and $10 billion New Jersey • 11 Banks with Assets Between $400 million and $1 billion • 15 Banks with Assets Between $1 billion and $10 billion Headquarters OceanFirst Bank Branches OceanFirst Bank Loan Offices Philadelphia Area • 5 Banks with Assets Between $400 million and $1 billion • 10 Banks with Assets Between $1 billion and $10 billion 10% of the total population of the United States resides within a 2-hour drive of Headquarters . . . M A Y | 2 0 2 1

. . . 2015 FTE 2021 FTE Continuous Investment in Talent and Technology • Funded from ongoing earnings and branch consolidations Digital Transformation I N V E S T O R P R E S E N T A T I O N 14 7 81 Nest Egg AUM: $109 million Paperless Residential Loan Applications (Blend) Best Rated Digital Bank in NJ!* Account Opening by Phone 1st Dual Function ITMs Wearables & eWallets Mobile Account Opening Reputation Management 100% Certified Digital Bankers Certified Digital Banker Training Launch Nest Egg Hybrid Robo- Advisor 1st FinTech Equity Investment Mobile Responsive Online Banking Mobile Biometrics Omni-Channel Customer Care Platform . . . *Source: ratings from Google My Business, Google App Store, and Apple App Store 2015 2016 2017 2018 2019 2020 2021 M A Y | 2 0 2 1

. . . Digital Capabilities & Customer Ratings I N V E S T O R P R E S E N T A T I O N Source: iTunes App and Google App as of April 9, 2021 4.8 4.5 4.5 4.5 4.2 OceanFirst National / Regional Large MidAtlantic FinTechs / Digital Proxy Peer Group Source: S&P Global 2019 US Mobile Banking Report 14 12 11 11 OceanFirst National / Regional FinTechs / Digital Large MidAtlantic Mobile Capabilities Survey (# of features, out of 18) • A few notables include: • BofA 17 • Chase 16 • USAA 14 • TD 8 • A few notables include: • USAA 4.8 • Chime 4.7 • Chase 4.7 • M&T 4.1 # Ratings = 6,964 Median # Ratings = 2,189 . . . 15 M A Y | 2 0 2 1 Mobile App Customer Ratings (Apple and Google)

. . . Digital Customer Acquisition I N V E S T O R P R E S E N T A T I O N 16 Attaining Scale… … And Attracting Valuable Customers . . . M A Y | 2 0 2 1 Customer Usage Statistics* Online Branch Digital Usage 98.6% 76.1% Mobile Usage 80.1% 59.1% Direct Deposits / Month 1.2 1.0 Mobile Deposits / Month 0.21 0.17 Debit Card Transactions / Month 11.6 11.3 Average Balance $4,224 $12,433 * Retail checking accounts opened January through December 2020 as of March 31, 2021 ** Accounts successfully opened • 50% increase in Retail Checking Accounts opened online in 1Q2021 vs. 1Q2020. • Online application commenced** rate of 66% vs our peers at 41%. • Retail Checking opened in 1Q2021: • Online account openings exceeded an average branch by 13x (433 OAO vs 34 Branch average). • Accounts opened online exceed the number of accounts opened in 27 of 58 (46%) branches.

. . . 1 Data as of March 31, 2021 Treasury Management Solutions: • ACH Origination, Receipts, Addenda Reporting and Debit Blocking • Digital Account Opening • Accept Multiple Forms of Payment • Account Analysis Statements • Business Online Banking • Coin & Currency Ordering • Commercial Card • Investment Sweep • Bill Pay • Insured Cash Sweep (ICS) • Escrow • Foreign Wire • Global Trade • Initiate ACH and Wires Online • Lockbox • Merchant • Remote Deposit Capture • Payroll • Positive Pay • Zero Balance Accounts Accounts1 Over 39,500 Adapting to a Pandemic Acceptance and utilization of our Business Digital solutions tripled since March 2020. Treasury Management Services I N V E S T O R P R E S E N T A T I O N . . . 17 Balances1 Over $3.6 billion M A Y | 2 0 2 1 Investment in Innovation Investments in technology to enhance our Treasury Solutions and provide a robust Online experience for our Commercial Customers. Continuous Improvement We successfully upgraded our Account Analysis platform and launched mobile RDC for Business in Q4 2020

. . . I N V E S T O R P R E S E N T A T I O N 18 Protecting Our Clients with Cyber Security • Remains current with evolving industry-wide standards and threat environment • Real-time analytical tools in place for fraud protection and cybersecurity • Use of top tier, neural-based, real-time debit card fraud analytics • Qualified, certified senior InfoSec personnel, backed up by: • Ongoing significant investments in technology, education and training • Board of Directors with cyber security focus and expertise • Created a security operations center which provides dedicated space to enhance day-to-day operations and includes a central area for key members of the business continuity team to collaborate for maximum effectiveness . . . M A Y | 2 0 2 1

. . . $0 $5 $10 $15 $20 $25 $30 $35 $40 $45 $50 $55 $60 $65 2015 2016 2017 2018 2019 2020 2021 Returned Capital to Shareholders Cash Dividends Share Repurchases I N V E S T O R P R E S E N T A T I O N 19 Strategic Capital Allocation Generates Shareholder Returns A n n u a l R e tu rn o f C a p it a l ($ M il li o n s ) Total Cash Returned to Shareholders: $242.9 million. . . M A Y | 2 0 2 1 • Stable & competitive dividend • 97th consecutive quarter • Historical Payout Ratio of 30% to 40% • Repurchased 500,000 shares YTD 2021; over 1.5 million shares remain available for repurchase • Strategic acquisitions in critical new markets

. . . I N V E S T O R P R E S E N T A T I O N 20 An Experienced Management Team Executive Title Years at OceanFirst1 Selected Experience Christopher D. Maher Chairman, Chief Executive Officer 8 Patriot National Bancorp Dime Community Bancshares Joseph J. Lebel III President, Chief Operating Officer 15 Wachovia Bank N.A. First Fidelity Michael J. Fitzpatrick Executive Vice President, Chief Financial Officer 28 KPMG Steven J. Tsimbinos Executive Vice President, General Counsel 10 Thacher Proffit & Wood Lowenstein Sandler PC Grace M. Vallacchi Executive Vice President, Chief Risk Officer 3 Office of the Comptroller of the Currency First Union Michele Estep Executive Vice President, Chief Administrative Officer 13 Sun National Bancorp Key Bank Karthik Sridharan Executive Vice President, Chief Information Officer 1 Citigroup JP Morgan Chase Bank of America • Substantial insider ownership of 9%, including Directors and Executive Officers, ESOP and OceanFirst Foundation. 1 Includes years at acquired banks . . . M A Y | 2 0 2 1

. . . I N V E S T O R P R E S E N T A T I O N 21 OceanFirst Foundation: Serving Our Communities • Over $42.5 million has been granted to organizations serving OceanFirst’s market • Provided $250,000 in grants dedicated to assisting the non-profit organizations helping our neighbors during the coronavirus pandemic • The Foundation and OceanFirst Bank collaborated to pledge an additional $170,000 to assist local hospitals and organizations with various expenses related to the distribution of COVID-19 vaccinations to our neighbors. • First foundation established in the country during a mutual conversion to IPO (July 1996) • OceanFirst Foundation has assets of $25 million as of March 31, 2021 . . . M A Y | 2 0 2 1

. . . Investment Thesis – Well Positioned for the Post-COVID-19 Environment • Strength of Assets • Balance sheet de-risked with executed loan sales, resolution of substantially all full forbearance loans, and extinguishment of high-cost borrowings • Organic Growth Including Low-Cost and Durable Deposit Base • Cost of deposits is low at 37 basis points, and is projected to fall • Digital Innovation • Digital products and customer experience on par with national banks and FinTechs, far outpacing regional and community banks • Disciplined and Strategic M&A • Acquired attractive and underappreciated assets in exurban markets at favorable prices • Bench Strength • Deep banking, regulatory, M&A, and integration experience • Demonstrated strong pandemic response • Conservative Risk Culture • Commitment to management of credit, interest rate and regulatory / compliance risk • Insider Ownership • Meaningful insider ownership aligned with shareholder interest I N V E S T O R P R E S E N T A T I O N 22 . . . M A Y | 2 0 2 1

. . . Investor Relations Inquiries Jill A. Hewitt Senior Vice President, Director of Investor Relations & Corporate Communications jhewitt@oceanfirst.com (732) 240-4500, ext. 7513 23

. . . Appendix 24

. . . Favorable Competitive Position I N V E S T O R P R E S E N T A T I O N 25 Institution # of Branches Dep. In Mkt. ($000) TD Bank (Canada) 151 33,278,985 Wells Fargo (CA) 178 32,317,778 PNC Bank (PA) 168 28,781,019 Bank of America (NC) 139 26,112,590 JP Morgan Chase (NY) 99 11,930,399 OceanFirst Bank # of Branches Dep. In Mkt. ($000) 60 8,173,938 Institution # of Branches Dep. In Mkt. ($000) Republic 17 1,958,197 Kearny 22 1,739,853 Manasquan 16 1,726,000 1ST Constitution 23 1,177,073 Bank of Princeton 18 1,161,712 Sturdy Savings 15 828,057 OceanFirst Competitive Position • Responsive • Flexible • Capable • Lending Limit • Technology • Trust • Treasury Management • Consumer & Commercial Mega Banks Community Banks serving Central & Southern NJ Source: FDIC Summary of Deposits, June 30, 2020 Note: Market area is defined as 13 counties in Central and Southern New Jersey • Competing favorably against banking behemoths and local community banks . . . M A Y | 2 0 2 1

. . . Credit Costs Consistently Lower than Peer Group I N V E S T O R P R E S E N T A T I O N 26 . . . Source: S&P Global Market Intelligence; FFIEC UBPR Peer Group Average Report. Call Report data available through December 31, 2020 Note: Peer Group 2 - Commercial Banks between $10 billion and $100 billion in assets; Peer Group 3 - Commercial Banks between $3 billion and $10 billion in assets M A Y | 2 0 2 1 Strong credit performance yields low net charge offs through the cycle.

. . . 2007 to 2020 Cumulative Credit Losses Also Outperform I N V E S T O R P R E S E N T A T I O N 27 . . . M A Y | 2 0 2 1 Source: S&P Global Market Intelligence; FFIEC UBPR Peer Group Average Report. Call Report data available through December 31, 2020 Note: Peer Group 2 - Commercial Banks between $10 billion and $100 billion in assets; Peer Group 3 - Commercial Banks between $3 billion and $10 billion in assets Cumulative OCFC losses are 38% lower than proxy peers and 67% lower than UBPR peers

. . . 2007 to 2020 Cumulative Losses By Segment I N V E S T O R P R E S E N T A T I O N 28 . . . M A Y | 2 0 2 1 Source: S&P Global Market Intelligence; FFIEC UBPR Peer Group Average Report. Call Report data available through December 31, 2020 1 Peer Group 2 - Commercial Banks between $10 billion and $100 billion in assets; Peer Group 3 - Commercial Banks between $3 billion and $10 billion in assets 2 Residential and Consumer losses were driven by subprime loans originated by Columbia Home Loans, LLC, which was a mortgage banking company acquired by OCFC in 2000 and shuttered in 2007. Cumulative Residential losses of 2.14% excludes the estimated loss of 0.74% related to Columbia originated loans Cumulative OCFC losses are 46% lower than UBPR peers. Cumulative OCFC losses are 59% lower than UBPR peers. Cumulative OCFC losses are 33% lower than UBPR peers. Cumulative OCFC losses are 25% lower than UBPR peers.

. . . 1 As of March 31, 2021 Duration Rate Characteristics All asset categories managed with limited duration Effective Interest Rate Risk Management1 29 I N V E S T O R P R E S E N T A T I O N . . . M A Y | 2 0 2 1 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% Mortgage Loans Consumer Loans Commercial Loans (CRE & C&I) Securities Total Assets (Weighted Average) Borrowings Deposits Adjustable/Floating Fixed Core Deposits, Administered 0.0 1.0 2.0 3.0 4.0 5.0 Securities Mortgage Loans Consumer Loans Commercial Loans Total Assets (Weighted Average) FHLB Term Borrowings Time Deposits Y e a rs

. . . Crossed $10 billion threshold Two River Bancorp Acquired OceanFirst Milestones – 119 Years of Growth I N V E S T O R P R E S E N T A T I O N 30 Founded, Point Pleasant, NJ Established Trust and Asset Management Colonial American Bank Acquired IPO to Mutual Depositors Branch Expansion into Middlesex County Branch Expansion into Monmouth County OceanFirst Foundation Exceeds $25M in Cumulative Grants Ocean Shore Holding Co. Acquired Created OceanFirst Foundation Established Commercial Lending Cape Bancorp Acquired Commercial LPO Expansion into Mercer County 20181902 1985 1996 1999 2000 2014 2015 2016 2019 Adopted National Bank Charter Sun Bancorp, Inc. Acquired Capital Bank of New Jersey Acquired 2020 Country Bank Holding Company, Inc. Acquired . . . M A Y | 2 0 2 1

. . . Q1 2021 Earnings Supplement1 April 29, 2021 1 The Q1 2021 Earnings Supplement is for the purpose and use in conjunction with our Earnings Release furnished as Exhibit 99.1 to our Form 8-K on April 29, 2021.

. . . In addition to historical information, this news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project,” “will,” “should,” “may,” “view,” “opportunity,” “potential,” or similar expressions or expressions of confidence. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to: the impact of the COVID-19 pandemic on our operations and financial results and those of our customers, changes in interest rates, general economic conditions, levels of unemployment in the Bank’s lending area, real estate market values in the Bank’s lending area, future natural disasters and increases to flood insurance premiums, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company’s market area, accounting principles and guidelines and the Bank’s ability to successfully integrate acquired operations. These risks and uncertainties are further discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020, under Item 1A - Risk Factors and elsewhere, and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. Forward Looking Statements 32

. . . 3.26% 2.98% 2.79% 2.71% 2.75% 3.52% 3.24% 2.97% 2.97% 2.93% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Core NIM NIM 2.97% 2.93% 0.11% 0.02% 0.09% 0.05% 0.03% Q4-20 NIM Lower cost of funds Reduced excess liquidity Purchase accounting impact Lower yield on PPP loans Rate environment Q1-21 NIM Core NIM vs NIM Net Interest Margin – Quarter over Quarter 33 Headwinds • Competitive market environment as peers with similar levels of liquidity compete on rate for quality credit. Tailwinds • Further opportunity to lower deposit costs. • Strong loan-to-deposit position. • Executing strategies to deploy excess liquidity into loans and securities. • $75.6 million of brokered CDs matured on April 20, 2021 at a weighted average yield of 1.05%. Note: Core NIM excludes purchase accounting and prepayment fee income Loans and Deposits ($’million) NIM Bridge 7,933 8,378 8,001 7,756 7,873 7,892 8,968 9,283 9,428 9,503 4.61% 4.28% 4.09% 4.23% 4.09% 0.70% 0.57% 0.49% 0.45% 0.37% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Total Loans Total Deposits Loan Average Yield Deposit Average Yield

. . . 0.37% 0.46% 0.70% 0.78% 0.76% 0.49% 0.42% 0.40% 0.36% 0.33%0.86% 0.88% 1.10% 1.14% 1.09% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 ACL Credit Marks Credit Quality (1 of 3) 34 9,969 9,649 35,714 4,072 (620) 1,154 (232) 14,995 2,942 (280) 0.06% 0.00% 0.71% 0.15% 0.00% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Credit loss expense Net charge-offs (recoveries) NCOs / avg. loans Loan Allowance for Credit Losses (ACL) Plus Credit Marks / Total Loans Net Charge-offs / (Recoveries) and Credit Loss Expense ($’000)

. . . Improved asset quality trends align with positive economic outlook and recovery of our local markets. 87,365 106,344 175,979 194,372 188,981 48,697 66,441 141,467 165,844 150,221 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Substandard Special Mention Credit Quality (2 of 3) 35 16,263 21,044 29,895 36,410 34,128 484 248 106 106 106 0.21% 0.25% 0.37% 0.47% 0.43% 0.16% 0.19% 0.84% 0.32% 0.30% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Non-performing loans HFI OREO Non-performing loans HFI to total loans Non-performing assets to total assets Non-Performing Loans Held-for-Investment (HFI) and Assets ($’000) Special Mention and Substandard Loans ($’000) Note: At 9/30/20 the Bank had an additional $67.5 million in non-performing loans held-for-sale driving a significant jump in non-performing assets to total assets. Loan sales were completed in Q4-20 at pricing consistent with their holding valuations. Note: Of the $150.2 million in Special Mention loans and $189.0 million of Substandard loans, $149.6 million (or 99.6%) and $165.4 million (or 87.5%) are paying current, respectively.

. . .Credit Quality (3 of 3) 36 Commercial vs Consumer ($’million)Loans Held-for-Investment by Payment Structure ($’million) ~ 97.4% of total loans comply with pre-COVID terms as of 3/31/21. 55% 95% 80% 50% 75% 85% 90% 100% 7,669 124 131 6,920 65 7,479 Q4-20 51 31 1,152 71 7,809 Q1-20 35 271 321 Q2-20 44 158 Q3-20 7,531 58 22 Q1-21 Delinquencies and non-accrual Paying in compliance with pre-COVID termsForbearance (No payments made under an agreement) Paying under COVID-19 modification (interest only) 95.5% 99.5% 97.0% 50.5% 97.5% 96.5% 50.0% 98.5% 51.0% 96.0% 98.0% 99.0% 100.0% 51.5% 2,468 ConsumerCommercial 131 5,201 7 30 15 21

. . .Non-Interest Expense 37 Core Non-Interest Expense ($’000) 43,166 42,003 43,463 42,838 40,838 8,509 9,072 9,338 10,215 9,453 51,675 51,075 52,801 53,053 50,291 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Other Core Non-Int Exp Technology Expense Core Efficiency Ratio • Core non-interest expense in Q1-21 excludes branch consolidation and merger related expenses. • Consolidated 4 branches in April 2021, increasing average branch size to over $160 million. • Technology expense, which represents data processing, communications, and digitally focused departments, accounted for 18.8% of total core non-interest expense for Q1-21. For the full year 2020, these costs accounted for 17.8% of core non-interest expense. • Technology expenses are expected to increase driven by a continued investment in digital products and services for our customers. 55.36% 56.69% 59.63% 59.69% 58.37% 2.01% 1.85% 1.81% 1.80% 1.78% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Core Efficiency Ratio Core Non-Interest Expense to Average Assets

. . .Equity and Performance 38 14.62 14.79 14.58 14.98 15.26 23.38 24.47 24.21 24.57 24.84 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Tangible Book Value per Share Book Value per Share Book Value and Tangible Book Value per Common Share 1.05% 0.81% -0.01% 0.78% 0.94% 12.25% 9.69% -0.11% 9.71% 11.04% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Core ROAA Core ROTE Core ROAA and ROTE • Strengthened balance sheet and increased tangible book value per common share 1.9% versus linked quarter. • Maintained dividend distribution throughout the pandemic. • Share repurchases re-commenced in Q1-21. 10.3 10.2 10.3 10.2 10.2 14.8 10.0 8.85% 8.77% 8.41% 8.79% 8.83% Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Share Repurchases QTD Cash Dividend QTD Tangible Stockholders Equity to Tangible Assets Capital Management ($’million)

. . . Appendix

. . .Quarterly Non-GAAP / Adjusted to GAAP Disclosure Reported amounts are presented in accordance with generally accepted accounting principles in the United States (“GAAP”). The Company’s management believes that the supplemental Non-GAAP information, which consists of reported net income excluding non-core operations, which can vary from period to period, provides a better comparison of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results in accordance with GAAP, nor are they necessarily comparable to Non-GAAP performance measures which may be presented by other companies. 40

. . .Non-GAAP Financial Information 41 • Refer to the Earnings Release for additional information. Non-GAAP Reconciliation For the Three Months Ended $'000 March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020 Core Earnings: Net income (loss) available to common stockholders (GAAP) 31,693 32,060 (6,019) 18,638 16,533 Add (less) non-recurring and non-core items: Merger related expenses 381 1,194 3,156 3,070 8,527 Branch consolidation expenses 1,011 3,336 830 863 2,594 Net (gain) loss on equity investments (8,287) (24,487) 3,576 - - FHLB advance prepayment fees - 13,333 - 924 - Gain on sale of PPP loans - (5,101) - - - Two River and Country Bank opening credit loss expense under the CECL model - - - - 2,447 Income tax benefit / (expense) on items 1,666 2,832 (1,809) (1,190) (3,121) Core earnings (loss) (Non-GAAP) 26,464 23,167 (266) 22,305 26,980