Investor Presentaiton

Interest Rate Sensitivity (2 of 2) Asset and Liability Duration (Years) 3.4 Securities 4.5 2.4 2.1 2.8 Duration (Years) 0.9 Mortgage Loans Consumer Loans Commercial Loans Total Assets (Weighted Avg) Time Deposits Rate Characteristics 8% 15% 23% 37% 45% 51% 85% 92% 77% 55% 85% 63% 49% 15% Securities Mortgage Loans Consumer Loans Commercial Loans (CRE & C&I) Total Assets (Weighted Avg) Borrowings Deposits Note: Data as of 6/30/22 23 Adjustable/Floating Fixed Core Deposits OCEANFIRST

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