Investor Presentaiton

1NFirst of Long Island Corporation 5.50% 5.00% 4.63% 4.50% 4.00% Net Interest Margin 4.04% 3.74% 3.64% 3.54% 3.49% 3.52% 3.55% 3.52% 3.57% 3.49% 3.50% 3.34% 3.18% 3.03% 2.94% 2.91% 2.93% 2.89% 2.74% 2.64% 2.64% 2.57% NIM Expansion From Lower Deposit Costs 3.00% 2.50% First of Long Island Corporation | KBW Investor Presentation 2.00% 1.42% 1.50% 1.02% 1.00% 0.83% 0.62% 0.63% 0.65% 0.58% 0.58% 0.50% 0.93% 0.49% 0.36% 0.00% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2Q22 YTD Loan Yields -Deposit Costs Net Interest Margin 15

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