Corporate Strategy and Financial Performance

Our Core Markets Beaver Allegheny Brooke Washington Ohio Cumberland Somerset Bedford Fulton Franklin York Fayette Greene Marshall Adams Monongalia Allegany Washington Wetzel Carroll Marion Morgan Harford Frederick Tyler Garrett Baltimore Mineral Berkeley Preston Taylor Hampshire Jefferson Harrison Howard Barbour Tucker Grant Clarke Montgomery Loudoun Hardy Lewis Anne Arundel Warren Shenandoah Loans (000s) Deposits (000s) Deposit Market Share(1) (at June 30, 2021) Branches (2) West Region Central Region East Region $301,732 $148,970 $362,553 $771,255 $460,782 $562,617 2% 45% 4% 6 10 11 Note: Out of market loans represent $109 million and are not reflected in the above table (1) Source: FDIC Market Share Data, most current. Deposit market share for each region includes the following counties listed below: West: Harrison, WV; Monongalia, WV Central: Garrett, MD; Allegany, MD; Mineral, WV East: Washington, MD; Frederick, MD; Berkeley, WV (2) Advisory Center that was opened in 1Q21 converted to full-service express branch 2Q22 11 LO 5

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