Investor Presentaiton

Asset Growth Supplemented by Strategic M&A Acquired Assets Organic Assets ($ in millions) SUN CapitalBank. OF NEW JERSEY COUNTRY BANK Here you are Family TWO RIVER BANCORP COLONIAL AMERICAN BANK $2,593 $142 CAPE BANCORP OCEAN SHORE HOLDING CO. 5,167 2,615 $5,416 BANCORP, INC. 2016 Q2-22 CAGR: 28.5% 2016 Q2-22 Organic CAGR: 12.9% $11,448 $1,907 $11,740 12,438 $7,516 $2,044 $8,246 $495 2015 2016 2017 Target 2018 Closing Date 2019 2020 Transaction Value 2021 Q2-22 Total Assets Colonial American Bank Cape Bancorp Ocean Shore Holding Co. Sun Bancorp, Inc. July 31, 2015 ~$12 million $142 million May 2, 2016 ~$196 million $1,518 million November 30, 2016 January 31, 2018 ~$146 million $1,097 million ~$475 million $2,044 million Capital Bank of New Jersey Two River Bancorp Country Bank Holding Company Inc. Partners Bancorp² January 31, 2019 January 1, 2020 January 1, 2020 TBD Weighted average¹: Price/Tangible Book Value 158%; Core Deposit Premium 9.0% ~$186 million $495 million $1,109 million $798 million $1,640 million ~$77 million ~$197 million ~$113 million 19 (1) At time of announcement. (2) Partners Bancorp acquisition is pending. OCEANFIRST

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