Investor Presentaiton

Quarterly Credit Trends (1 of 2) Loan Allowance for Credit Losses (ACL) Plus PCD & General Credit Marks / Total Loans Net Charge-offs (NCOs)/(Recoveries) and Credit Loss Expense (Benefit) ($'000) 17 0.99% 0.87% 0.30% 0.79% 224 0.00% 0.00% 1,851 0.00% 1,254 9 0.74% 0.72% -0.01% 0.26% (386) (19) (92) 0.00% 0.22% 0.18% 0.17% [(1,573)] 0.69% (6,460) 0.61% 0.57% 0.56% 0.55% (3,179) Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 PCD & General Credit Marks ACL Credit Loss Expense / (Benefit) Net Charge-offs / (Recoveries) NCOS / Average loans OCEANFIRST

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