Investor Presentaiton

OCFC Balance Sheet: Loan and Deposit Growth Total 2015 - YTD Loans CAGR: 31% $3.8 B $4.0 B $2.0 B $5.6 B $9.3 B $7.8 B $6.2 B 2015 2016 2017 2018 2019 2020 2021 Q3 ■Total Loans Loans Acquired PTRS acquisition Total Loans 8 Total 2015 - YTD Deposits CAGR: 36% $4.2 B $4.3 B $1.9 B 2015 2016 Total Deposits Deposits Acquired $5.8 B $11.2 B $9.4 B $6.3 B 2017 2018 2019 2020 2021 Q3 PTRS acquisition L Total Deposits OCEANFIRST

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