Investor Presentaiton

Quarterly Credit Trends (2 of 2) Strong asset quality trends driven by prudent loan growth and credit decisioning. Non-Performing Loans and Assets ($'000)1 Special Mention and Substandard Loans ($'000) 106 0.41% 106 106 0.28% 0.29% 106 0 0.25% 0.18% 0.22% 129,955 98,687 91,607 91,611 60,812 0.20% 0.19% 0.16% 183,032 0.14% 158,575 148,557 114,030 103,294 31,680 23,344 18,948 23,180 17,224 Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Non-performing loans to total loans OREO Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Special Mention Substandard Non-performing assets to total assets Non-performing loans (1) PCD loans are not included in these metrics. Refer to Asset Quality section in the Earnings Release for additional information. Note: Of the $60.8 million in Special Mention loans and $103.3 million of Substandard loans, $57.6 million (or 94.8%) and $91.6 million (or 88.7%) are current on payments, respectively. 18 OCEANFIRST

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