Investor Presentaiton

Experienced Management Team with Banking Expertise Executive Title Years Experience¹ Select Experience Director of the Federal Reserve Bank of Philadelphia Christopher D. Maher Chairman & Chief Executive Officer 9 . Former President and CEO of Patriot National Bancorp • Former EVP at Dime Community Bancshares, Inc. Joseph J. Lebel III President & Chief Operating Officer • Wachovia Bank 16 • • Patrick S. Barrett Executive Vice President & Chief Financial Officer 0 • Steven J. Tsimbinos Executive Vice President, General Counsel & Corporate Secretary • 12 • Member of the Board for the New Jersey Chamber of Commerce Former CFO of First Midwest Bancorp, Inc. and Fulton Financial Corp. Extensive leadership and management experience at several financial institutions Thacher Proffitt & Wood Lowenstein Sandler PC Office of the Comptroller of the Currency Grace M. Vallacchi Executive Vice President & Chief Risk Officer 5 . First Fidelity Michele B. Estep Executive Vice President & Chief Administrative Officer • Sun National Bancorp 14 • . Key Bank Citigroup Karthik Sridharan Executive Vice President & Chief Information Officer 3 • JP Morgan Chase . Bank of America Substantial insider ownership of 11%², including Directors, Executive Officers, ESOP and OceanFirst Foundation. (1) Represents years of experience at OceanFirst and includes years at acquired banks. As of 12/31/21. 21 OCEANFIRST

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