Investor Presentaiton

Overview of Partners Bancorp Company Overview Partners Bancorp is the multi-bank holding company created in 2019 by the merger between The Bank of Delmarva and Virginia Partners Bank BANK OF 896 DEL The Bank Of Delmarva - 125 year old institution - One of the leading community banks in its coastal Maryland and Delaware markets -Founded in 2008 Financial Highlights (2021Q3) Market Cap ($M)¹ $154 ROAA 0.66% Total Assets ($M) $1,638 ROAE 7.79% VIRGINIA po PARTNERS BANK® Gross Loans ($M) $1,111 NIM 3.02% Total Deposits ($M) $1,435 Efficiency Ratio 73.9% TCE / TA 7.8% Yield on Loans 4.86% Recent lift-out of a lending team NPAs / Reported Assets 0.49% Cost of Deposits 0.40% - Located in the high growth Northern Virginia market - Additional presence in Philadelphia | in metro D.C Historical Loan Growth ($millions)2 Loan and Deposit Composition³ 46% Other 0% $958 $998 $1,045 $1,111 1-4 family 19% CDs > $100k 19% NIB 34% '17 - YTD growth $760 $325 $367 $393 $418 Home C & I 14% $291 equity 3% CRE & multi. 10.7% 55% IB, MMDA & savings $469 $633 $630 $653 $693 CAGR C & D 9% 37% CDs < $100k 10% 2017 2018 2019 2020 2021 YTD Loans: $1.1B The Bank of Delmarva ■Virginia Partners Bank 5 (1) Market cap based on common stock price of $8.67 as of November 3, 2021. (2) Based on combined bank regulatory financials of The Bank of Delmarva and Virginia Partners Bank. (3) As of or for the quarter ended September 30, 2021. Deposits: $1.4B OCEANFIRST

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