Investor Presentaiton

Successful Commercial Loan Growth Commercial Loans by Geography as of Q2-22 Boston / Baltimore 54% of commercial loans originated in Philadelphia and NY Emphasis on Commercial (Commercial % of Loan Portfolio) Increase of $5.5B in commercial loans since 2015 Philadelphia 22% 6 32% New York 5% New Jersey 41% Total: $6.4B 49% +19% 68% New York commercial loan 2015 Q2-22 balance surpassed $2 billion OCEANFIRST

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