#12Q 2023 Performance IPB BANKSHARES, INC PRESENCE BANK PRESENCEBANK.COM Janak M. Amin, President & CEO July 31, 2023 1#2Disclaimers כןן This presentation does not constitute or form part of any offer or invitation to purchase any securities of PB BANKSHARES, INC in whole or in part. This presentation has been prepared by Presence Bank solely for informational purposes to assist interested parties in making their own evaluation of Presence Bank. It does not purport to contain all the information that may be relevant. In all cases, interested parties should conduct their own investigation and analysis of PB BANKSHARES, INC and the data set forth in this presentation and other information provided by or on behalf of Presence Bank is not providing you with any legal, business, tax or other advice regarding an investment in the securities. You should consult with your own advisors as needed to assist you in making your investment decision. Any securities of PB BANKSHARES, INC are not a deposit or bank account, and are not, and will not be, insured or guaranteed by the FDIC or any other federal or state government agency. This presentation may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about Presence Bank's industry, management's beliefs and certain assumptions made by management, many of which are by their nature inherently uncertain and beyond Presence Bank's control. Accordingly, you are cautioned that any such forward-looking statements are not guarantees of future performance and are subject to certain risks, uncertainties and assumptions that are difficult to predict. Although Presence Bank believes that the expectations reflected in such forward-looking statements are reasonable as of the date made, expectations may prove to have been materially different from the results expressed or implied by such forward-looking statements. PRESENCEBANK.COM PRESENCE ΒΑΝΚ 2#3Disclaimers (continued) IP You should not place undue reliance on any forward-looking statement and should carefully consider the risks and other factors that Presence Bank faces, including, but not limited to (i) changes in general business, industry or economic conditions or competition; (ii) changes in any applicable law, rule, regulation, policy, guideline or practice governing or affecting bank holding companies and their subsidiaries or with respect to tax or accounting principles or otherwise; (iii) adverse changes or conditions in capital and financial markets; (iv) the adverse impact on the U.S. economy, including the markets in which we operate, of COVID-19; (v) changes in interest rates and inflation; (vi) the inability to realize expected cost savings or achieve other anticipated benefits in connection with business combinations and other acquisitions; (vii) changes in the quality or composition of our loan and investment portfolios; (viii) adequacy of loan loss reserves; (ix) increased competition; (x) loss of certain key officers; (xi) continued relationships with major customers; (xii) deposit attrition; (xiii) rapidly changing technology; (xiv) unanticipated regulatory or judicial proceedings and liabilities and other costs; (xv) changes in the cost of funds, demand for loan products or demand for financial services; (xvi)severe weather, acts of terrorism, an outbreak of hostilities or other geopolitical events, or the anticipation of such events; (xvii) other economic, competitive, governmental or technological factors affecting our operations, markets, products, services and prices; and (xvii) our success at managing the foregoing items. Except as otherwise indicated, this presentation speaks only as of the date hereof. The delivery of this presentation shall not, under any circumstances, create any implication that there has been no change in the affairs of Presence Bank after the date hereof. This presentation does not purport to contain all the information that may be required to evaluate the securities, and you should conduct and rely upon your own independent analysis of PB BANKSHARES, INC and the data contained or referred to herein. PRESENCEBANK.COM PRESENCE ΒΑΝΚ 3#4Bank History 1919 Presence Bank begins as the "Industrial Building and Loan Association" in Coatesville, PA. Founded by 15 individuals with approximately $200. 2019 A new management team establishes the Bank's new name and strategic direction. BEST PLACES to work in 1926 The association merges with Steel City Building and Loan and survives the 1929 stock market crash and Great Depression. PRESENCEBANK.COM PA 2022 OUR BANK IS RATED STARS BY BAUER IIII 1977 After more than a half-century of successful operation in the Coatesville area, the bank opened its first branch office in New Holland, Lancaster County. www.beverfrancifi.com SARDED JANUARY 2010 2022 Received a Bauer Financial 5-Star Rating and was recognized as one of the Best Places to work in PA. 2021 Presence Bank (PB Bankshares, Inc. / PBBK) successfully demutualized from a thrift to a full-service business lending bank. The stock offering enhanced the existing capital-base, adding over $27 million. S.3 AVE www. IP INSPIRE AWARDS PACB 2023 Received 2 awards for small business lending and community support from Pennsylvania Community Bankers Assoc. (PACB) Inspire awards. PRESENCE ΒΑΝΚ#5Executive Team Lindsay Bixler Chief Financial Officer Joined PBBK May 2021 Prior Experience: RKL LLP, BDO LLP, ParenteBeard LLP. 15+ Years of In-Market Experience + ■ ■ 125+ COMBINED YEARS OF INDUSTRY EXPERIENCE Doug Byers Chief Banking Officer Joined PBBK Oct 2019 + Prior Experience: First Citizens Bank, Susquehanna Bancshares, Tower Bancorp/Graystone Bank; Waypoint Bank. 20+ Years of In-Market Experience PRESENCEBANK.COM Janak M. Amin President & CEO " . " HIGH CARE Joined PBBK Sept 2019 Prior Experience: Sunshine Bank, Susquehanna Bancshares, Tower Bancorp/Graystone Bank; Waypoint Bank; Fulton Bank. 30+ Years of In-Market Experience HIGH ACCOUNTABILITY 17 HIGH PERFORMANCE William Sayre Chief Risk & Credit Officer Joined PBBK Apr 2022 Prior Experience: Atlantic 4 Larry Witt Chief Information Officer . · Community Bankers Bank; Waypoint Bank; PNC Bank. 35+ Years of In-Market Experience . כןן Joined PBBK Oct 2019 Prior Experience: CenterState Bank; Sunshine Bank. 15+ Years of Industry Experience PRESENCE ΒΑΝΚ 5#6Who We Are OUR PURPOSE WE WILL STRIVE TO BE THE MOST LOVED BANK THAT ALLOWS OUR FAMILIES, CUSTOMERS, AND COMMUNITIES TO PROSPER. Implemented new healthcare and 401(k) providers to better meet our associates" needs Enhanced oversight and focus on Diversity, Equity & Inclusion Recognizing Environmental, Social, and Governance issues with credit writeups with ongoing assessment in bank operations PRESENCEBANK.COM PASSION RELATIONSHIPS OPENNESS SERVICE POSITIVITY EDUCATION RESULTS כןן OUR VALUES We are driven to create long-term bonds that withstand the best of time. We encourage open and honest communication. We treat people the way we wish to be treated We maintain a positive spirit and value our faith and family We educate our associates and customers on financial prosperity We will achieve financial success for our associates, customers, and communities. PRESENCE BANK 6#7Relationship-Based White Glove Delivery Team It's simple. We strive to provide white-glove customer service, delivering a memorable experience to locally owned and operated businesses, non-profit, and municipal customers. Harrisburg LPO Tom Bream SVP, Market Executive Capital Region 35+ Years of In-Market Experience Kathy Snyder VP, Cash Management 25+ Years of In-Market Experience PRESENCEBANK.COM Elizabethtown LPO Jeff Nolan SVP, Market Executive Lancaster Region 35+ Years of In-Market Experience Lori Bennett AVP, Relationship Manager 15+ Years of In-Market Experience Coatesville קן Doreen Broaddus AVP, Cash Management 30+ Years of In-Market Experience Joe Pomorski Relationship Manager 20+ Years of In-Market Experience PRESENCE ΒΑΝΚ 7#8Core Operating Markets Durinam Lewistown: 103 35 850 75 st Waterford 274 de Newburg ersburg wn Waynesboro Mifflintown Shippensburg Newville Thurmont Newport 22 Emmitsburg 15 15 Gettysburg 13 Duncannon 15 Carlisle Mechanicsburg Har New Oxford 30 Elizabethville Hanover P Jrg Middletown P Dover Hershey PRESENCEBANK.COM York Red Lion 63 Lebanon Chester Region Myerstown Voriginm Haven Lititz 30 Lancaster Ephrata IP 222 (183) 2016 Hamburg New Holland Quarryville 272 222 P 222 Reading 41 IP 103 Oxord 273 Kutztown 322 P Coatesville Pottstown. 100 Newark Allentown Exton Elkton 40 422 West Chester 202 476 322 Wilmington New Castle Quakertown King of Prussia O Doylestown Lansdale T 275 Philadelphia Deptford L B Voc Tov Lancaster Region LEERLEN ● ● ● 10-County Market throughout Southcentral Pennsylvania In 2021 opened two Loan Production Offices in Harrisburg and Elizabethtown. We lend to local people and businesses we know and trust us. IP Deposit customers are from the communities we live, play and work in. Capital Region PERIRE LILILLILILLL CEE PRESENCE ΒΑΝΚ#9Business Model & Execution White-Glove high touch customer service - "We Come to You!" New branding and products, including implementation of cash management services Revamped credit underwriting process with more robust life of loan system for efficiency and a streamlined process Top 50 Borrowers - 96% New to Bank in Last 3 Years Top 100 Deposit Customers - 94% New to Bank in Last 3 Years PRESENCEBANK.COM Our CUSTOMERS Locally Owned and Operated Businesses Family-Owned Businesses, Manufacturing, Accounting Firms, Medical and Dental Practices, Attorneys Not-for-Profit Organizations Charity Organizations (501c3) and Trade Associations (501 c6) Municipalities School Districts, Counties, Townships, and Boroughs Our DELIVERY We will not be everything to everyone. כןן We will seek to both deepen and broaden relationships while maintaining a narrowly focused delivery. We want to attract relationships that value long term and meaningful results. We must earn our customer's business everyday, with a smile and passion like no other. PRESENCE ΒΑΝΚ#10New Management Team - Accomplishments $450,000 $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $216,885 Total Assets CAGR = 23.9% $275,324 $314,929 PRESENCEBANK.COM $386,547 $412,573 12/31/2019 12/31/2020 12/31/2021 12/31/2022 6/30/2023 Total Loan Growth (gross of allowance) $321,620 CAGR = 22.9% $304,847 (000)s $350,000 $300,000 $250,000 $200,000 $173,057 $150,000 $100,000 12/31/2019 12/31/2020 $350,000 $300,000 $250,000 $200,000 $168,039 $150,000 $100,000 $188,899 12/31/2019 12/31/2020 (dollars in thousands). $252,341 (000)s Total Deposit Growth CAGR = 22.9% $231,416 12/31/2021 12/31/2022 6/30/2023 $251,130 12/31/2021 $289,495 12/31/2022 $312,091 6/30/2023 כןן PRESENCE BANK 10#11Loan Composition $79,400,31% 12/31/2021 - Loan Composition $252 million Other $26,850,11% $42,313,17% Commercial Real Estate (CRE) Commercial and Industrial (including Owner Occupied CRE) Residential Real Estate $103,778,41% PRESENCEBANK.COM $73,430,24% 12/31/2022 - Loan Composition $305 million $33,369,11% $60,928,20% $137,120,45% $71,497,22% 6/30/2023 - Loan Composition $322 million $28,635,9% IP $66,938,21% As part of the commercial real estate initiative, management is performing quarterly stress testing and has segmented the commercial real estate portfolio into categories such as industrial, office, multi-family, etc. See the following slide for select June 30, 2023 detail. $154,550, 48% PRESENCE ΒΑΝΚ 11#12Commercial Real Estate (CRE) Portfolio Stress Test Completed 75% or $101 million of CRE portfolio. CRE Portfolio average loan-to-value ratio is 58.4%. Debt service coverage ratio 1.31 times without sponsor or guarantor support. • Property type is diverse and there is no ● geographic concentration. Office Exposure $8.2 million in non- owner occupied office space. • 4 loans comprise office segment, which all are loans in medical space not subject to general market office issues. • Average loan-to-value ratio is 73.6%. • Debt service coverage ratio 1.52 times exclusive of sponsor or guarantor support. PRESENCEBANK.COM ● Hospitality Exposure • $17.4 million in flagship hotel loans. ● ● • Average loan-to-value is 56.4% ● 5 loans comprise the hotel portfolio. ● Debt service coverage ratio 1.76 times exclusive of any sponsor or guarantor support. Guarantors have strong liquidity and are experienced local operators. Management is monitoring the commercial real estate portfolio and concentration, assessing its associated risks. כןן. PRESENCE ΒΑΝΚ 12#13Top Five (5) Priorities - Customer & Revenue Focus IP 1. Deposit Growth Growing relational deposits assists with having enough liquidity to fund the bank's loan growth. 2. Loan Growth ● Provides revenue to direct more profits back into our Associates' growth, enhanced customer deliveries and support our local communities. 3. Cash Management & Not-for-Profit Growth ● Necessary products and services that supports unique needs of our customers with having dedicated and sophisticated capabilities really being a niche focus. 4. Attract Talent ● Further building upon our team with passionate bankers that appreciate the bank's culture - High Care + High Accountability = High Performance. 5. Maintaining Credit Quality Having customers that are honest and honor their commitments to repay debt. ● PRESENCEBANK.COM PRESENCE ΒΑΝΚ 13#14Percentage of Deposits Uninsured National Mega-Banks Uninsured Deposits 0% sub> Silicon Valley Bank BNY MELLON STATE STREET. SIGNATURE BANK NORTHERN TRUST citibank CIBCO HSBC CITY NATIONAL BARRIC 11 FIRST REPORLIC BANK EASTWEST BANK BMO Harris Bank Comenica. Aliiance Bancorporation" Frost POPULAR UnionBank ZIONS BANCORPORATION JPMORGAN CHASE & CO usbank. SYNOVUS™ BANK WEST KeyBank FIFTH THIRD BANK Goldman Sachs Citizens- M&T Bank FIRST HORIZON. BANK OF AMERICA Huntington Uninsured Deposits 0% 109 T 10% 20% 20% PRESENCEBANK.COM 3096 30% 40% 50% 53.6% 53.1% 53.0% 52.2% 52.0% 51.4% 50.7% 50.7% 50.0% 48.4% 47.6% 47.5% 47.1% 56.3% 46.2% 46.1% 45.6% 40% 50% -60% 60.5% 60.4% 65.8% 70% 73.7% 73.1% 70.6% 70.3% 67.4% 80% 81.6% Failed companies 60% 70% 90% 100% 93.8% 92.0% 91,2% 89.3% BNY Mellon was second in uninsured deposits, but had low ratios of riskier debt holdings to deposits. LOANS AND HELD-TO-MATURITY SECURITIES/DEPOSITS 94% sub> There were $7T in uninsured deposits across the top 30 banks on this list. 80% 31% Before the Federal Deposit Insurance Corporation (FDIC) was created in 1934, about 9,000 banks had failed over four years. After, just nine banks went under that year EXY MELION Acquired companies 90% 100% Total Assets $2098 $3258 $2988 STIOB $1558 $17678 $51B $162B $978 $213B $648 $177B $868 $68B $538 $568 $104B $90B $32028 $585B $60B $92B $188B $206B $487B $226 B $2008 $798 $24198 $182B PRESENCE BANK 14.1% Uninsured Deposits in the Banking System Insured Deposits: 56.3% O Uninsured Deposits: 43.7% כןן https://www.pnc.com/insights/corporate-institutional/mitigate-risk/bank-regulation-and-your-business. Source: S&P Global Market Intelligence. Data compiled Mar. 13, 2023. Based on banks with a minimum $50 billion in assets as of Dec. 31, 2022. Uninsured deposits are the estimated value of deposits held in the U.S. that were in call report filings after exclusions at the subsidiary level. PRESENCE ΒΑΝΚ 14#15Percentage of Deposits Uninsured National Mega-Banks For the charts on the previous slide, the listed banks are derived from public Call Report information obtained as of December 31, 2022. The more current data from Presence Bank is as of June 30, 2023. ● ● Presence Bank's uninsured and uncollateralized deposits were 14.1% well below the banking system's average. Presence Bank has deposits over $250,000 that are fully collateralized for our public fund's customers. Presence Bank can meet the obligation of its uninsured and uncollateralized deposits with the cash on hand and liquidity sources at 427%*. * The Bank maintains highly liquid sources of available funds, including unused borrowing capacity with the Federal Home Loan Bank of Pittsburgh and the Federal Reserve Bank of Philadelphia and available federal funds lines with other banks, as well as available-for-sale debt securities with a fair value in excess of collateral obligations. At June 30, 2023, available funding from these sources totaled 427% of uninsured and uncollateralized deposits. כןן PRESENCEBANK.COM PRESENCE ΒΑΝΚ 15#16Cash Management Services free Free Online Banking with Bill Pay Manage your finances with complete access to all of your accounts --transfer money, view transaction history, pay bills, and more. Account Sweep Services Utilize your own cash most effectively while maximizing your earnings potential. free PRESENCEBANK.COM Free Mobile Banking with Mobile Deposits ¹ We're here for you on your schedule - not ours. Securely access your account wherever and whenever, through mobile banking. Positive Pay Check Protection Allow your customers to pay with credit and debit cards that will make your business more profitable. ¹ Message and data rates may apply; check with your mobile provider. Remote Deposit Capture Securely deposit your checks from the comfort of your office, saving you time, money, and hassle from multiple trips to the bank. ICS® Insured Cash Sweep Service We offer safety-conscious customers access to multi-million-dollar FDIC insurance. OR קן Merchant Services Allow your customers to pay with credit and debit cards that will make your business more profitable. Credit and Purchasing Cards Streamline your accounting with less costs, more efficiencies, and preserving your own cash while potentially receiving rewards. PRESENCE ΒΑΝΚ 16#17● ● ● ● ICS - Insured up to $10 Million IP IntraFi Network Deposits is a banking network that allows customers to deposit more than $250,000; having all funds fully FDIC-insured. A network that links many U.S. banks and financial institutions; sharing insured limits with reciprocating deposits that all remain local with Presence Bank. Your one-stop relationship for dividing your money into separate, fully insured accounts, all administered by Presence Bank. The IntraFi network includes more than 3,000 financial institutions, representing around 50% of the total banks in the country. PRESENCEBANK.COM FDIC FEDERAL DEPOSIT INSURANCE CORPORATION PRESENCE ΒΑΝΚ 17#18ICS - How it works? Fully Insured up to $10 Million Dollars Through just one bank relationship, you can access FDIC insurance from many. Customer places large deposit with our institution IP The depositor must have or set up a transaction account for the use of ICS. If the depositor chooses to place funds in both DDAs and MMDAS, the depositor will need to have a separate transaction account for each. Source: https://www.intrafinetworkdeposits.com/how-it-works/ PRESENCEBANK.COM Bank 1 IntraFi Network < $250,000 In Principal & interest Bank 2 < $250,000 In Principal & interest Bank N < $250,000 In Principal & interest כןן. PRESENCE ΒΑΝΚ 18#19P PRESENCEBANK.COM 2Q 2023 Performance FINANCIALS & RESULTS PRESENCE ΒΑΝΚ 19#20Results: 2019-2023 (dollars in thousands) (000)s $1,400 $1,200 $1,000 $800 $600 $400 $200 $- (000)s $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 Pre-Tax Income for the Six Months Ended June 30, $627 2019 $69 $5,422 2020 $6,715 $397 2021 Total Assets per Full Time Equivalent Employees PRESENCEBANK.COM $728 $8,748 2022 $1,276 2023 $11,788 $11,044 II 12/31/201912/31/2020 12/31/202112/31/2022 6/30/2023 (000)s 2.00% 1.50% 1.00% 0.50% 0.00% (000)s $5,000 $4,500 $4,000 $3,500 $3,000 $2,500 $2,000 $1,500 $1,000 $500 $- Nonaccrual Loans/Loans 1.82% 12/31/2019 1.06% $1,839 1.49% 12/31/2019 12/31/2020 Allowance for Loan Loss and Allowance Coverage Ratio 1.51% $2,854 0.66% 12/31/2021 12/31/2020 1.25% $3,145 12/31/2021 0.34% 12/31/2022 * The year ended December 31, 2022 includes a pre-tax gain on sale of land and building of $821,000. 1.31% $3,992 12/31/2022 0.26% 1.34% 6/30/2023 $4,314 6/30/2023 קן 1.60% 1.40% 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% PRESENCE ΒΑΝΚ 20#21Financial Highlights (Unaudited) (Dollars in thousands, except per share data) Earnings Summary (for the three months ended) Interest and dividend income Interest expense Net interest income Provision for credit losses Noninterest income Noninterest expense Income before income taxes Income taxes Net income Earnings per common share - basic Earnings per common share - diluted June 30, March 31, 2023 2023 PRESENCEBANK.COM 5,047 $ 1,825 3,222 247 259 2,493 741 153 588 0.24 $ 0.23 $ 4,369 1,324 3,045 183 138 2,465 535 126 409 $ 0.16 $ 0.16 $ December 31, 2022 4.202 1,020 3,182 561 1,007 ** 2,223 1,405 297 1,108 $ 0.43 $ 0.43 $ September 30, 2022 3,683 695 2.988 346 141 2.271 512 98 414 $ $ 0.16 0.16 $ ** The three months ended December 31, 2022 included an $821,000 gain on sale of premises and equipment within noninterest income. כןן. June 30, 2022 3,151 658 2,493 203 147 2,009 428 81 347 0.14 0.14 PRESENCE ΒΑΝΚ 21#22Financial Highlights (Unaudited) (Dollars in thousands) Balance Sheet Highlights (as of) Total assets Cash and cash equivalents Debt securities available-for-sale, at fair value Loans receivable, net of allowance for credit losses Deposits Total stockholders' equity Accumulated other comprehensive loss PRESENCEBANK.COM $ June 30, 2023 412,573 42,501 34,828 317,306 312,091 46,177 (1,770) $ March 31, 2023 393,066 34,954 32,457 308,808 295,437 46,291 (1,533) $ December September 31, 30, 2022 2022 386,547 17,204 52,047 300,855 289,495 45,987 (1,932) 376,739 $ 22,738 37,239 301,381 289,628 44,618 (2,006) June 30, 2022 396,067 45,437 43,049 כןן. 291,680 309,013 45,161 (1,547) PRESENCE ΒΑΝΚ 22#23Performance Ratios (as of and for the three months ended) (Dollars in thousands, except per share data) Return on average assets (annualized) Return on average equity (annualized) Net interest margin (annualized) Allowance to non-accrual loans Allowance to total loans outstanding at the end of the period Net charge-offs to average loans outstanding during the period (annualized) Total non-performing loans to total loans. Total non-accrual loans to total loans Total non-performing assets to total assets Tier 1 capital (to average assets) Book value per common share Tangible book value per common share* Tangible book value per common share (excluding accumulated other comprehensive loss)* June 30, 2023 PRESENCEBANK.COM $ $ 0.58 % 4.67 % 3.29 % 507.53 % 1.34 % March December 31. 31. 2022 2023 * See next slide for Non-GAAP Financial Measure Reconciliation. 0.43 % 3.56% 3.26% 496.36 % 1.30 % 0.09 % 0.08 % 0.26 % 0.26 % 0.26 % 0.26 % 0.21 % 10.06% 0.21 % 9.84 % 16.71 $ 16.48 $ 16.71 $ 16.48 $ $ 17.35 $ 17.02 $ 1.13% 9.08 % 3.34 % 380.55 % 1.31 % September 30, 2022 0.49 % 0.34 % 0.34% 0.27 % 10.00 % 16.16 $ 16.16 $ 16.84 $ 0.42 % 3.40% 3.19 % 281.98 % 1.24 % כןן June 30, 2022 0.36 % 2.89 % 2.70 % 211.89 % 1.16% % 0.44 % 0.44 % 0.36 % 9.73 % 16.29 $ 16.26 16.29 $ 16.26 % 0.55 % 0.55 % 0.41 % 9.74 % 17.02 $ 16.82 PRESENCE ΒΑΝΚ 23#24*Non-GAAP Financial Measure Reconciliation (Dollars in thousands, except per share data) The following table reconciles, as of the dates set forth below, stockholders' equity (on a GAAP basis) to tangible book value and tangible book value excluding accumulated other comprehensive loss and calculates our tangible book value per common share. Book value is equal to tangible book value due to the Company having no intangible assets. Tangible common equity is equal to total stockholders' equity Adjustment for accumulated other comprehensive loss Tangible equity excluding accumulated other comprehensive loss Common shares outstanding Tangible book value per common share Tangible book value per common share excluding accumulated other comprehensive loss PRESENCEBANK.COM S 46,177 S June 30, 2023 S (1,770) $ 47,947 2,763,122 16.71 17.35 March 31, 2023 46.291 (1.533) $ 47.824 $ 2.809,425 16.48 $ 17.02 $ December 31, 2022 45.987 $ September 30, 2022 (1.932) $ (2.006) $ 16.16 47.919 $ 46,624 $ 2.845.076 2.739.461 16.84 44.618 $ $ 16.29 $ 17.02 $ June 30, 2022 45.161 (1.547) 46,708 2.777.250 16.26 כןן. 16.82 PRESENCE ΒΑΝΚ 24#25Growing our Greater Purpose Make-A-Wish. The bank's goal is to support three (3) children's wishes per year, one child in each of our regions. TOTAL Amount Raised to Date: $29,887.83* *Amount as of 6/30/23 PRESENCEBANK.COM PRESENCE BANK WILL DONATE $25 FOR EVERY NEW PERSONAL OR BUSINESS CHECKING ACCOUNT¹ & $25 UP TO MATCH TO YOUR PERSONAL DONATION TO MAKE-A-WISH¹ COATESVILLE 105 E. Lincoln Highway GEORGETOWN 1099 Georgetown Road At Presence Bank, we are committed to supporting our communities. We choose to partner with Make-A-Wish to grant wishes to critically-ill children. You can help us fulfill dreams by opening a new checking account, making a donation, or referring your friends and family to Presence Bank. BENEFITING Make-A-Wish. PHILADELPHIA, DELAWARE & SUSQUEHANNA VALLEY PRESENCE BANK כןן. NEW HOLLAND 695 W. Main Street OXFORD 126 5. Third Street PRESENCEBANK.COM When you open a new Personal or Business Checking Account at Presence Bank (excludes all Not-for-Profit and Municipal accounts), Presence Bank will donate $25.00 lake-A-Wish. At the time of new account opening, you may elect to make a donation in any amount to Make-A-Wish, which Presence Bank will match up to $25.00. Thit ompany match is not valid after the date of new account opening. Donations will be dedicated to granting a wish in each of the Presence Bank communities. Presence Bank Manhar EDIC PRESENCE ΒΑΝΚ 25#26Granting Wishes Make-A-Wish. Wish #2: 9-Year Boy Wish #1: 7-Year Girl Lives in Honeybrook, Chester County Illness: Muscular Dystrophy Wish Granted: Home Therapeutic Hot Tub PRESENCEBANK.COM Lives in Mechanicsburg, Cumberland County Illness: Brain Tumor Wish Granted: Disney World Wish #3: 9-Year Girl Lives in Mt. Joy, Lancaster County Illness: Leukemia Wish In Process: San Diego Zoo כןן. PRESENCE ΒΑΝΚ 26#27Contact Information NASDAQ SYMBOL: [PBBK] THANK YOU! Janak M. Amin President & CEO Email: [email protected] Direct Mobile: (813) 659-6252 PRESENCE ΒΑΝΚ PB BANKSHARES, INC כןן. 27