2026 Q1 Investor Presentation May 2026

Disclaimer This presentation has been prepared solely for general informational purposes by Peoples Financial Services Corp. (the “Company,” the “holding company,” “we” or “our”), a bank holding company and owner of Peoples Security Bank and Trust Company (the “Bank”), a Pennsylvania state-chartered bank. No representation or warranty as to the accuracy, completeness, or fairness of such information is being made by the Company or any other person, and neither the Company, any of its affiliates nor any other person shall have any liability for any information contained herein or for any omissions from this presentation or any other written or oral information or communications transmitted or made available by the Company or its affiliates or any other person. This presentation may contain statistics and other data that in some cases have been obtained or compiled from information made available by third-party service providers. The Company makes no representation or warranty, express or implied, with respect to the accuracy, reasonableness or completeness of such information. Certain of the information contained herein may be derived from information provided by industry sources. The Company believes that such information is accurate and that the sources from which it has been obtained are reliable. The Company cannot guarantee the accuracy of such information, however, and has not independently verified such information. The Company is not making any implied or express representation or warranty as to the accuracy or completeness of such information or of the information summarized herein. The Company expressly disclaims any and all liability which may be based on such information, errors therein or omissions therefrom. In addition to financial measures presented in accordance with U.S. generally accepted accounting principles (“GAAP”), this presentation contains certain non-GAAP financial measures, including, without limitation, tangible common equity (“TCE”), tangible assets (“TA”), tangible book value per share (“TBVPS”), and return on average tangible common equity (“ROATCE”). These non-GAAP financial measures are not intended to be considered in isolation and should be considered only as supplemental to, and not as a substitute for or superior to, financial measures prepared in accordance with GAAP. See pages 24 and 25 for a reconciliation of non-GAAP measures. Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are subject to risks and uncertainties. These statements are based on assumptions and may describe future plans, strategies and expectations of the Company and its subsidiaries that are subject to significant risks and uncertainties and are subject to change based on various factors (some of which are beyond our control). These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project” or similar expressions. All statements in this presentation, other than statements of historical facts, are forward-looking statements. Our ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Important factors that could cause our actual results to differ materially from those in the forward-looking statements include, but are not limited to: changes in interest rates, including their effect on our investment values; impairment charges relating to our investment portfolio; credit risks in connection with our lending activities; our exposure to commercial and industrial, construction, commercial real estate, and equipment finance loans; our ability to maintain an adequate allowance for credit losses; access to liquidity; the strength of our customer deposit levels; unrealized losses; reliance on our subsidiaries; accounting procedures, policies and requirements; changes in the value of goodwill; our ability to attract and retain key personnel; the strength of our disclosure controls and procedures and internal controls over financial reporting; potential for errors, omissions or fraud; environmental liabilities; reliance on third-party vendors and service providers; our ability to compete effectively in our industry and within our market area, including with respect to competition from financial technology companies and non-bank entities; the development and use of artificial intelligence ("AI“) in business processes, services, and products, including emerging external focus among regulators and other officials related to risks in connection with the development and use of AI; our ability to prevent, detect and respond to cybersecurity threats and incidents; a failure of information technology, whether due to a breach, cybersecurity incident, or ability to keep pace with growth and developments; our ability to comply with privacy and data protection requirements; changes in U.S. or regional economic conditions; the soundness of other financial institutions; changes in laws and regulations; geopolitical instability, including wars and other conflicts; fiscal and monetary policies of the federal government and its agencies; a failure to meet minimum capital requirements; our ability to realize the anticipated benefits of future acquisitions or a change in control; and our ability to pay dividends. Additional factorsthat may affect our results are discussed in reports we file with the Securities and Exchange Commission from time to time. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Except as required by applicable law or regulation, we do not undertake, and specifically disclaim any obligation, to release publicly the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of the statements or to reflect the occurrence of anticipated or unanticipated events. 2

OPERATING RESULTS • Net income of $14.7 million, or $1.47 per diluted share for the three months ended March 31, 2026 • ROAA of 1.15%, ROATCE (1) of 14.0%, net interest margin (FTE) (1) of 3.67%, and efficiency ratio (1) of 57.1% • The Company completed its merger with FNCB on July 1, 2024, providing increased scale, diversified earnings, and improved liquidity position • In Q1 2026, the company completed a partial securities portfolio repositioning, selling $31.9 million in agency mortgage-backed securities at a pre-tax gain of ~$0.5 million, with proceeds redeployed equally into the available-for-sale portfolio and loan funding • Total deposits of $4.4 billion • Total cost of deposits of 1.70% for Q1 2026 • Non-maturity deposits of $3.8 billion, or 85.6% of total deposits • Noninterest bearing deposits of $969.3 million, or 21.9% of total deposits • Loans of $4.2 billion • Loans to total assets of 77.3% • Q1 2026 loan yields (FTE) of 5.80% • Loan / deposit ratio of 94.7% • Nonperforming assets to total assets of 0.23% • Nonperforming loans to total loans of 0.28% • Net charge-offs of $0.8 million in the past year; annualized percentage of 0.08% • ACL of $39.6 million, or 0.94% of net loans • Tangible common equity to tangible assets decreased 9 bps QoQ to 7.96%(1) • Tangible book value per share increased $0.65 QoQ to $42.29(1) • Total available liquidity of $3.2 billion at March 31, 2026, including ample cash and securities position of $798 million (2) DEPOSITS LOANS ASSET QUALITY CAPITAL & LIQUIDITY Note: Consolidated (GAAP) financial data as March 31, 2026 (1) ROATCE, net interest margin (FTE), efficiency ratio, TCE / TA, and TBVPS are non-GAAP financial measures; please see pages 24 and 25 for a reconciliation (2) Cash + Federal Funds Sold + AFS Securities - Equity Securities held at fair value 3 Q1 2026 Results

4 Peoples Financial Services Corp. (NASDAQ: PFIS) ($ in billions, expect per share data) The First National Bank of Hallstead is founded Launches growth strategy expanding into the Greater Lehigh Valley and Philadelphia MSA Regional HQ in Lehigh Valley established (3rd fastest growing MSA in PA) PFIS acquires FNCB Bancorp, Inc. PFIS acquires Penseco Financial Services Corp. PFIS begins trading on NASDAQ exchange (uplisted from OTC) Opened Pittsburgh, PA and Piscataway, NJ branches $5.4B bank with operations in PA, NY & NJ 1905 2013 2014 2014 2017 2021 2024 2026 Note: Consolidated (GAAP) financial data as March 31, 2026 (1) TCE / TA, net interest margin (FTE), efficiency ratio, and tangible book value per share are non-GAAP financial measures; please see pages 24 and 25 for a reconciliation BALANCE SHEET 2022 2023 2024 2025 2025 Q1 2025 Q4 2026 Q1 Assets $3.55 $3.74 $5.09 $5.27 $5.00 $5.27 $5.42 Net Loans $2.70 $2.83 $3.95 $4.03 $3.95 $4.03 $4.15 Deposits $3.05 $3.28 $4.41 $4.43 $4.32 $4.43 $4.43 NPAs / Assets (%) 0.10 0.11 0.45 0.23 0.47 0.23 0.23 ACL / Loans HFI (%) 1.01 0.77 1.05 0.96 1.03 0.96 0.94 TCE / TA (%) (1) 7.22 7.53 7.20 8.05 7.63 8.05 7.96 Risk-Based Capital Ratio (%) 12.13 14.16 12.34 14.31 12.45 14.31 14.16 FINANCIAL PERFORMANCE 2022 2023 2024 2025 2025 Q1 2025 Q4 2026 Q1 ROAA (%) 1.12 0.74 0.19 1.17 1.22 0.92 1.15 ROAE (%) 11.87 8.32 2.07 11.89 12.70 9.16 11.26 Cost of Deposits (%) 0.42 1.82 2.29 1.89 1.93 1.82 1.70 Net Interest Margin (FTE) (%) (1) 3.02 2.54 2.84 3.58 3.50 3.60 3.67 Efficiency Ratio (%) (1) 55.9 64.1 63.8 56.5 55.8 59.5 57.1 Diluted Earnings Per Share $5.28 $3.83 $0.99 $5.88 $1.49 $1.19 $1.47 TBV Per Share (1) $35.19 $39.35 $35.88 $41.64 $37.35 $41.64 $42.29

Branch Footprint 5 Branch Footprint and Deposit Market Share #2 in Scranton MSA Deposit Market Share and #7 Largest Pennsylvania Community Bank(1) Note: Bank-level financial data as of March 31, 2026; branch-level deposit data as of June 30, 2025 (1) Banks with total assets less than $10.0B, total assets shown at bank-level ScrantonꟷWilkes-Barre, PA MSA Deposit Market Share Top 10 Pennsylvania Community Banks # Company Deposits ($B) Market Share (%) 1 The PNC Finl Svcs Grp $3.46 21.1 2 Peoples Financial Services Corp. $2.53 15.5 3 Fidelity D & D Bancorp Inc. $1.89 11.5 4 M&T Bank Corp. $1.50 9.2 5 Cmnty Finl System Inc $1.31 8.0 6 Wells Fargo & Co. $1.13 6.9 7 F.N.B. Corp. $0.72 4.4 8 NBT Bancorp Inc. $0.71 4.3 9 Citizens Financial Group Inc. $0.63 3.9 1 0 Northwest Bancshares, Inc. $0.58 3.6 Top 10 Pennsylvania Community Banks # Company Assets ($B) 1 S&T Bancorp, Inc. $9.94 2 CNB Financial Corporation $8.50 3 Univest Financial Corporation $8.11 4 Mid Penn Bancorp, Inc. $6.94 5 Semperverde Holding Co $5.64 6 Orrstown Financial Services, Inc. $5.58 7 Peoples Financial Services Corp. $5.42 8 Citizens Financial Services, Inc. $3.02 9 Penn Community Mutual Holdings Inc $3.02 1 0 NexTier Incorporated $2.85

Scranton/Wilkes Barre, PA (MSA): • Population of ~575k people; the Scranton—Wilkes-Barre, PA MSA includes 23 PFIS branches • ~16% market share; accounts for ~59% of PFIS’s deposit franchise • Main businesses include manufacturing, distribution, and back-office centers(1) • Ideal location in Boston-Washington metro corridor(1) 6 Allentown/Bethlehem/Easton, PA-NJ (MSA): • Population of ~893k people; the Allentown-Bethlehem-Easton, PA-NJ MSA includes 3 PFIS branches • ~2.0% market share; accounts for ~10.5% of PFIS’s deposit franchise • Top industries include healthcare, warehousing, manufacturing, and education(2,3) • The Lehigh Valley ranked as one of the U.S. hotspots for business attraction and expansion in 2024, placing third in the country for regions its size(3) Susquehanna, PA (County): • Population of ~38k people; Susquehanna County includes 4 PFIS branches • ~54% market share; accounts for ~18.4% of PFIS’s deposit franchise • The largest employers are education, healthcare, government, oil & gas, and recreation(2) Principal Market Employers Source: S&P Capital IQ Pro unless otherwise indicated; branch-level deposit data as of June 30, 2025 (1) ScrantonPlan.com (2) PA.gov (3) LehighValley.org Principal Markets Overview

Gerard A. Champi Chief Executive Officer Gerard A. Champi, was appointed Chief Executive Officer of the Company and the Bank effective January 1, 2025, age 65. Mr. Champi had been with FNCB Bank since 1991 and served in various leadership roles in the Retail, Commercial Sales, and Executive Divisions. Years in Banking: 43 | Years at Bank: 35 Note: Years at Bank includes time spent at companies acquired by PFIS 7 James M. Bone, Jr., CPA Executive Vice President Chief Financial Officer James M. Bone, Jr., CPA, EVP and CFO, of the Company and the Bank, age 64. Mr. Bone was appointed to his current position as of March 31, 2025. Prior to his appointment, Mr. Bone served as EVP and Chief Operations Officer of the Company and the Bank, a position he held since the consummation of the FNCB merger on July 1, 2024. From September 2012 until the merger, he served as EVP and Chief Financial Officer/Treasurer of FNCB Bancorp., Inc. and its banking subsidiary, FNCB Bank. Years in Banking: 40 | Years at Bank: 40 John R. Anderson III Executive Vice President Chief Operating Officer John R. Anderson III, EVP and COO, of the Company and the Bank, age 59. Mr. Anderson was appointed to his current position as of March 31, 2025. Prior to his appointment, Mr. Anderson served as EVP and CFO from March 2018, after serving as the SVP and Interim Principal Financial and Accounting Officer since April 2016. Prior to that he was VP/Planning and Statistical Analyst, of Penn Security Bank and Trust Company since May 2011. Years in Banking: 36 | Years at Bank: 36 Timothy H. Kirtley Executive Vice President Chief Risk Officer Timothy H. Kirtley, Executive Vice President, Chief Risk Officer of the Company and the Bank, and Corporate Secretary, age 56. Mr. Kirtley was appointed to his current position in April 2020, and served as Executive Vice President and Chief Credit Officer from July 2016 until April 2020. Years in Banking: 34 | Years at Bank: 10 Neal D. Koplin Senior Executive Vice President Chief Banking Officer Neal D. Koplin, Senior Executive Vice President and Chief Banking Officer of the Company and the Bank, age 65. Mr. Koplin was appointed to his current position in December 2019. Prior to that, he was Executive Vice President and Lehigh Valley Division Head since August 2014. Years in Banking: 44 | Years at Bank: 12 Experienced Management Team

Mary G. Cummings, Esq Executive Vice President General Counsel Mary Griffin Cummings, Esquire, was appointed to Executive Vice President and General Counsel of the Company and the Bank effective July 1, 2024, age 63. From April 2018 until the FNCB merger, Ms. Cummings served as EVP and General Counsel of FNCB Bancorp, Inc. and FNCB Bank. Years in Banking: 14 | Years at Bank: 14 Note: Years at Bank includes time spent at companies acquired by PFIS 8 Jeffrey A. Drobins Executive Vice President Chief Lending Officer Jeffrey A. Drobins, Executive Vice President and Chief Lending Officer of the Company and the Bank, age 41. Mr. Drobins was appointed to his current position in October 2022, after serving as the Senior Vice President and Lehigh Valley Market President since April 2016. Prior to that he was Vice President and Commercial Relationship Manager since September 2014. Years in Banking: 19 | Years at Bank: 12 Susan L. Hubble Executive Vice President Chief Information Officer Susan L. Hubble, Executive Vice President, Chief Information Officer of the Company and the Bank, age 70. Ms. Hubble was appointed to her current position in December 2019. Prior to that, she was Senior Vice President, Senior Information Technology Officer, since April 2019. Prior to that, she was Vice President, Information Technology Officer since July 2014. Years in Banking: 26 | Years at Bank: 26 Stephanie A. Westington, CPA Executive Vice President Chief Accounting Officer Stephanie A. Westington, CPA, EVP and Chief Accounting Officer of the Company and the Bank, age 61. Ms. Westington was appointed to her current position in April 2025. Ms. Westington previously served as SVP and Chief Profitability Officer of the Company and the Bank, a position she held since the consummation of the FNCB merger on July 1, 2024. From April 2022 until the merger, she served as SVP and Chief Accounting Officer of FNCB Bancorp, Inc. and its subsidiary, FNCB Bank. Prior to that, she was SVP and Controller since July 2012. Years in Banking: 36 | Years at Bank: 14 Amy E. Vieney Executive Vice President Chief Human Resources Officer Amy E. Vieney, Executive Vice President and Chief Human Resource Officer of the Company and the Bank, age 51. Ms. Vieney joined Peoples in her current position in June 2022. From December 2017 through June 2022, she served as Senior Director, Human Resources at St. Luke’s University Health Network, headquartered in Bethlehem, Pennsylvania. Years in Banking: 4 | Years at Bank: 4 Experienced Management Team

9 Total Assets Total Net Loans $3,554 $3,742 $5,092 $5,271 $5,423 – $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 2022 2023 2024 2025 2026Q1 $2,703 $2,828 $3,952 $4,029 $4,152 – $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 2022 2023 2024 2025 2026Q1 Note: Consolidated (GAAP) financial data as of March 31, 2026 Strong Balance Sheet Growth $3,047 $3,279 $4,408 $4,434 $4,425 – $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 2022 2023 2024 2025 2026Q1 $315 $340 $469 $520 $526 – $100 $200 $300 $400 $500 $600 2022 2023 2024 2025 2026Q1 Total Deposits Total Equity ($ in millions)

10 3/31/25 Loan Composition & Concentration (1) $2,703 $2,828 $3,952 $4,029 $4,152 – $1,250 $2,500 $3,750 $5,000 2022 2023 2024 2025 2026Q1 Note: Consolidated (GAAP) financial data as of March 31, 2026 (1) Bank-level loan financial data as reported in the call report (2) Other includes leases, state and political loans, and other (3) Total Investment CRE includes Non-Owner-Occupied CRE, Construction & Land Development, and Multifamily loan balances Loan Classification Gross Loan Balance % of Consolidated TRBC 1-4 Family Residential $859,051 147% Non-Owner Occupied CRE 895,451 154% Owner Occupied CRE 580,472 100% Commercial & Industrial 706,369 121% Construction & Land Development 296,319 51% Multifamily 431,502 74% Consumer 99,281 17% Farm Loans 10,718 2% Ag Prod 1,271 0% Other Loans(2) 310,950 53% Total Gross Loans $4,191,384 Total Investment CRE (3) $1,623,272 279% Loan Portfolio Growth & Diversification 21.4% 20.5% 16.9% 13.9% 10.3% 9.8% 7.1% 0.3% Non Owner Occ. CRE 1-4 Family Commercial & Industrial Owner Occ. CRE Multifam Other Constr & Land Dev Farm Ag. Prod. Consumer ($ in thousands) Total Net Loans ($ in millions)

11 Peoples Security Bank and Trust Company Loan Composition Since 2022 2022 2023 2024 2025 2026Q1 Gross Loan Composition Balance % of Total Balance % of Total Balance % of Total Balance % of Total Balance % of Total Construction $272,103 10.0% $256,088 9.0% $278,233 7.0% $277,382 6.8% $296,319 7.1% 1-4 Family 478,295 17.5% 509,551 17.9% 757,774 19.0% 833,279 20.5% 859,051 20.5% Multifamily 232,477 8.5% 273,076 9.6% 407,917 10.2% 416,747 10.2% 431,502 10.3% Comm RE (Non Farm/Res) 1,079,410 39.5% 1,112,863 39.0% 1,426,105 35.7% 1,411,333 34.7% 1,475,923 35.2% C&I 354,657 13.0% 373,211 13.1% 698,433 17.5% 712,299 17.5% 706,369 16.9% Farm RE 11,513 0.4% 11,769 0.4% 10,150 0.3% 10,311 0.3% 10,718 0.3% Agricultural 5 0.0% 1 0.0% 0 0.0% 900 0.0% 1,271 0.0% Consumer 83,090 3.0% 81,854 2.9% 132,105 3.3% 108,336 2.7% 99,281 2.4% Leases 0 0.0% 0 0.0% 10,711 0.3% 11,301 0.3% 11,172 0.3% Other 218,566 8.0% 231,734 8.1% 272,077 6.8% 285,813 7.0% 299,778 7.2% Total Gross Loans $2,730,116 100.0% $2,850,147 100.0% $3,993,505 100.0% $4,067,701 100.0% $4,191,384 100.0% Yield on 1-4 Family Loans 3.03% 3.11% 4.18% 3.95% 3.91% Yield on All Other RE Loans 4.30% 5.28% 5.99% 6.18% 6.14% Yield on C&I Loans 5.02% 6.07% 8.33% 8.23% 7.55% Yield on Loans and Leases 3.99% 4.76% 5.56% 5.97% 5.66% Yield on Earning Assets 3.42% 4.26% 5.99% 5.53% 5.33% Note: Bank-level financial data as of March 31, 2026; 2024 adjusted for acquisition of FNCB Bancorp, Inc. Historical Bank Loan Composition & Yields ($ in thousands)

CRE Portfolio Detailed Breakdown by Asset Type Non-Owner Occupied CRE Portfolio Composition at March 31, 2026 12 ($ in thousands) Non-Owner Occupied Loan Category Number of Loans Average Loan Size Loan Balance Weighted Average Interest Rate Land – Unimproved 103 $ 247 $ 25,440 6.41% Land Acquisition & Development - Commercial 36 $ 455 $ 16,385 7.03% Land Acquisition & Development - Residential 63 $ 214 $ 13,473 6.32% Retail – Anchored 48 $ 2,555 $ 122,629 4.62% Retail – Unanchored 156 $ 1,243 $ 193,952 5.01% 1-4 Family Residential – Rental Property 14 $ 665 $ 9,305 6.31% Office 143 $ 1,484 $ 212,158 5.01% Multifamily (5+ Units) 334 $ 1,686 $ 563,050 5.19% Industrial / Warehouse 79 $ 1,909 $ 150,843 5.21% Self-storage / Mini-warehouse 16 $ 2,063 $ 33,003 5.32% Healthcare 22 $ 2,656 $ 58,434 5.52% Hospitality (Hotel / Motel) 27 $ 1,974 $ 53,311 5.53% Gas Station / Convenience Store 23 $ 835 $ 19,195 5.55% Restaurant / Bar 31 $ 671 $ 20,787 5.95% Mobile Home Park 9 $ 909 $ 8,183 6.16% Recreational 5 $ 466 $ 2,332 7.34% Dealership 1 $ 78 $ 78 7.75% School / Campus Real Estate 9 $ 1,604 $ 14,434 5.79% Other 62 $ 596 $ 36,981 5.80% 1-4 Family Residential (Primary / Secondary Residence) 15 $ 327 $ 4,908 6.64% 1-4 Family Residential (For Sale Construction) 10 $ 828 $ 8,282 6.65% Farmland 1 $ 128 $ 128 6.85% Medical Office Building 22 $ 2,689 $ 59,165 4.38% Student Housing 4 $ 402 $ 1,609 3.83% Unassigned 9 $ 41 $ 370 7.44% Grand Total 1,242 $ 1,311 $ 1,628,436 5.21% Note: Bank-level financial data as of March 31, 2026

13 ($ in thousands) Owner Occupied Loan Category Number of Loans Average Loan Size Loan Balance Weighted Average Interest Rate Land Acquisition & Development - Commercial 3 $ 942 $ 2,826 7.03% Retail – Anchored 3 $ 1,981 $ 5,944 5.13% Retail – Unanchored 93 $ 461 $ 42,837 5.80% 1-4 Family Residential – Rental Property 2 $ 198 $ 395 6.67% Office 213 $ 401 $ 85,387 5.78% Industrial / Warehouse 233 $ 739 $ 172,186 5.36% Self-storage / Mini-warehouse 1 $ 27 $ 27 5.00% Healthcare 10 $ 723 $ 7,227 7.22% Gas Station / Convenience Store 40 $ 857 $ 34,295 4.66% Restaurant / Bar 68 $ 314 $ 21,364 6.29% Recreational 57 $ 950 $ 54,136 7.21% Dealership 18 $ 820 $ 14,756 5.52% Parking Lot 4 $ 674 $ 2,696 5.39% School / Campus Real Estate 17 $ 2,013 $ 34,225 3.64% Other 135 $ 571 $ 77,077 5.55% 1-4 Family Residential (Primary / Secondary Residence) 4 $ 26 $ 102 7.88% Medical Office Building 24 $ 753 $ 18,065 5.39% Unassigned 42 $ 110 $ 4,625 6.12% Grand Total 967 $ 598 $ 578,170 5.59% Note: Bank-level financial data as of March 31, 2026 CRE Portfolio Detailed Breakdown by Asset Type Owner Occupied CRE Portfolio Composition at March 31, 2026

Commercial Real Estate Portfolio Details 14 14 CRE loansscheduled to mature in 2031 and after are $1.3 billion or 57% of the Total CRE Loans ($ in millions) CRE Maturity Schedule CRE Repricing Schedule Note: Bank-level financial data as of March 31, 2026 $182 $170 $244 $156 $191 8.27% 7.71% 11.07% 7.08% 8.64% 0.00% 2.50% 5.00% 7.50% 10.00% 12.50% $- $50 $100 $150 $200 $250 $300 2026 2027 2028 2029 2030 Balance ($mm) % of CRE Loans ($ in millions) $895 $326 $252 $186 $200 40.57% 14.78% 11.44% 8.41% 9.06% 0.00% 9.00% 18.00% 27.00% 36.00% 45.00% – $200 $400 $600 $800 $1,000 2026 2027 2028 2029 2030 Balance % of CRE Loans

15 44.2% 39.2% 4.1% 4.1% 3.4% 3.4% 1.2% 0.3% RMBS State & Political Subdiv Secs Other Securities CMBS Treasury Secs Structured Financial Products ABS Govt & Agency Secs Asset Class Breakdown(1) Commentary • As of March 31, 2026, the Bank has ~$539.8 million of debt securities (2) • This represents 10.0% of total assets • The securities portfolio primarily consists of U.S. government agency & sponsored agency securities, and state & political subdivision securities • Other securities portfolio information: • Weighted Average Life: 7.11 years (3) • Yield on Debt & Equity Securities: 3.80% • Market Value / Book Value: 92.6% Note: Bank-level financial data as of March 31, 2026 (1) Each category percentage is the fair value of the securities divided by the fair value of all securities (2) ~$469.3mm of fair value available-for-sale securities and ~$70.6mm of carrying value held-to-maturity securities (3) Bloomberg as of March 31, 2026 Investment Portfolio Composition & Performance

18% 8% 49% 21% 5% C&I - Other C&I - Equipment Financing CRE (incl. Multifamily) 1-4 Family Residential Consumer 16 Note: Consolidated (GAAP) financial data as of March 31, 2026 Summary Metrics Nonperforming Loans by Type • Nonperforming loans to totals loans: • 0.28% at March 31, 2026 as compared to 0.28% at December 31, 2025 • Allowance for credit losses on loans to nonperforming loans: • 341.3% at March 31, 2026 as compared to as of 354.4% at December 31, 2025 • Allowance for credit losses on loans: • $39.6 million, or 0.94% of total loans, as of March 31, 2026, as compared to $39.0 million, or 0.96% of total loans, as of December 31, 2025 ($ in thousands) Q1 2026 Q4 2025 Total nonperforming loans $11,597 $11,320 Nonperforming loans to total loans 0.28% 0.28% Total nonperforming assets $12,347 $12,070 Nonperforming assets to total assets 0.23% 0.23% Net charge-offs (net of recoveries) $808 $1,811 Net charge-offs to avg. loans (annualized) 0.08% 0.18% YTD net charge-offs (net of recoveries) $808 $2,867 YTD net charge-offs to avg. loans (annualized) 0.08% 0.07% ($ in thousands) Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans C&I - Other $932 $1,099 $2,031 C&I - Equipment Financing $422 $526 $948 CRE (incl. Multifamily) $1,381 $4,169 $5,550 1-4 Family Residential $2,360 – $2,360 Consumer $548 – $548 TOTAL $5,643 $5,794 $11,437 Asset Quality Summary

17 Note: Consolidated (GAAP) financial data as of March 31, 2026; Fed Funds Target Rate represents the day-weighted upper bound of the Fed Funds target 51% 44% 49% 51% 50% 17% 13% 11% 11% 12% 22% 24% 21% 22% 24% 10% 19% 18% 16% 14% 0% 20% 40% 60% 80% 100% 2022 2023 2024 2025 2026Q1 Time Deposits Money Market Savings Demand Deposits 0% 1% 2% 3% 4% 5% 6% Cost of Total Deposits vs. Fed Funds Target Rate Deposit Composition and Total Cost of Deposits Latest Interest Rate Cycle

Regulatory Capital Ratios 18 Note: Consolidated (GAAP) financial data as of March 31, 2026 9.0% 8.5% 8.0% 8.8% 9.0% 10.2% 11.1% 11.0% 11.0% 12.1% 10.4% 11.3% 11.2% 12.1% 14.2% 12.3% 14.3% 14.2% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% 18.0% 2022 2023 2024 2025 2026Q1 Leverage Ratio CET1 Ratio Tier 1 Ratio Total RBC Ratio

19 Highlights Non-Interest Income/Operating Revenue (%) (2) Net-Operating Expense (%) (3) Note: Consolidated (GAAP) financial data as of March 31, 2026; operating revenue defined as net interest income plus noninterest income (1) Includes both Peoples Security Wealth Advisors and Peoples Security Trust & Wealth Solutions’ AUM (2) Non-interest income excludes Realized Gain on Securities and Nonrecurring Revenue (3) Net-Operating Expense defined as noninterest expense excluding foreclosure and amortization expense less noninterest income $1.1 billion in AUM under Trust and Wealth Advisors(1) 57.1% Efficiency ratio for Q1 ‘26 $111 million Deposits per branch Non-Interest Income & Expense

20 Net Interest Income (NII) and Net Interest Margin (NIM) FTE (1) Key Components of NII and NIM $95,749 $86,754 $115,989 $165,962 $173,850 3.02% 2.54% 2.84% 3.58% 3.67% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% $- $30,000 $60,000 $90,000 $120,000 $150,000 $180,000 2022 2023 2024 2025 2026Q1 NII NIM (FTE)¹ 4.04% 4.81% 5.62% 5.99% 5.80% 1.67% 1.77% 2.43% 3.15% 3.80% 0.51% 1.91% 2.40% 2.08% 1.90% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 2022 2023 2024 2025 2026Q1 Loan Yield Securities Yield Cost of Funds Note: Consolidated (GAAP) financial data as of March 31, 2026; Cost of funds includes non-interest bearing deposits (1) Net interest margin is a non-GAAP financial measure; please see page 25 for a reconciliation Net Interest Income & Net Interest Margin

21 Note: Consolidated (GAAP) financial data as of March 31, 2026; operating revenue defined as net interest income plus noninterest income (1) Tangible equity, TCE / TA, net interest margin (FTE), and efficiency ratio are non-GAAP financial measures; please see pages 24 and 25 for a reconciliation (2) Cash + Federal Funds Sold + AFS Securities - Equity Securities held at fair value (3) Non-interest income excludes Realized Gain on Securities and Nonrecurring Revenue (4) Consolidated average rate paid across total interest-bearing liabilities and noninterest-bearing deposits 12/31/2022 For the Years Ended: For the Quarters Ended: 3/31/2026 12/31/2022 12/31/2023 12/31/2024 12/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 CAGR Balance Sheet Total Assets ($000) 3,553,515 3,742,289 5,091,657 5,270,578 5,107,879 5,159,636 5,270,578 5,423,330 13.9% Total Securities ($000) 568,882 483,876 606,943 586,476 582,812 610,280 584,682 539,881 (1.6%) Total Net Loans ($000) 2,702,644 2,828,252 3,951,729 4,028,694 3,957,182 3,977,340 4,028,694 4,151,797 14.1% Total Deposits ($000) 3,046,598 3,279,037 4,407,552 4,434,069 4,287,349 4,289,731 4,434,069 4,425,369 12.2% Tangible Equity ($000) (1) 251,875 277,052 358,768 416,161 387,332 404,035 416,161 423,358 17.3% Loans / Deposits (%) 89.6 86.9 90.6 91.7 93.2 93.6 91.7 94.7 (Cash and Securities)/ Assets (%) (2) 14.5 15.4 12.8 14.6 13.1 13.7 13.6 14.5 TCE / TA (%) (1) 7.2 7.5 7.2 8.1 7.7 8.0 8.1 8.0 Total Capital Ratio (%) 12.1 14.2 12.3 14.3 14.3 14.4 14.3 14.2 Profitability Net Income ($000) 38,090 27,380 8,498 59,187 16,956 15,246 11,976 14,747 ROAA (%) 1.12 0.74 0.19 1.17 1.36 1.19 0.92 1.15 ROAE (%) 11.9 8.3 2.1 11.9 13.9 12.0 9.2 11.3 Net Interest Margin (FTE) (%) (1) 3.02 2.54 2.84 3.58 3.69 3.54 3.60 3.67 Efficiency Ratio (%) (1) 55.9 64.1 63.8 56.5 53.9 56.5 59.5 57.1 Non-interest Inc. / Operating Rev (%) (3) 12.6 13.9 13.5 12.5 15.3 11.8 8.0 12.2 Noninterest Exp./ AA (%) 1.84 1.80 1.79 2.01 2.25 2.26 2.40 2.30 Asset Quality (%) NPLs / Loans (%) 0.12 0.14 0.17 0.28 0.36 0.42 0.28 0.28 NPAs / Assets (%) 0.10 0.11 0.45 0.23 0.34 0.33 0.23 0.23 ACL / Loans (%) 1.01 0.77 1.05 0.96 1.02 0.99 0.96 0.94 NCOs / Avg Loans (%) 0.02 0.10 0.03 0.07 (0.01) 0.02 0.18 0.08 Yields and Costs (%) Yield on Total Loans and Leases (%) 4.04 4.81 5.62 5.99 6.07 5.98 5.99 5.80 Yield on Debt and Equity Securities (%) 1.67 1.77 2.43 3.15 3.29 3.08 3.27 3.80 Cost of Int-bearing Deposits (%) 0.57 2.32 2.82 2.39 2.41 2.39 2.30 2.16 Cost of Funds (%) (4) 0.51 1.91 2.40 2.08 2.07 2.13 2.06 1.90 Financial Highlights

22 Note: Consolidated (GAAP) financial data as of March 31, 2026 Year-Ended December 31, Quarter-Ended ($ in thousands) 2022 2023 2024 2025 At March 31, 2026 Assets Cash and Cash Equivalents $37,868 $187,365 $135,851 $268,984 $328,612 Available for Sale Securities 477,703 398,927 526,329 512,563 469,261 Held to Maturity Securities 91,179 84,851 78,184 72,047 70,557 Other Securities 9,740 5,278 12,650 2,598 3,054 Total Cash & Securities 616,490 676,421 753,014 856,192 871,484 Loans, net 2,702,644 2,828,002 3,951,729 4,027,889 4,150,616 Allowance for credit losses 27,472 21,895 41,776 39,007 39,586 Loans Held for Sale – 250 – 805 1,181 Total Net Loans 2,702,644 2,828,252 3,951,729 4,028,694 4,151,797 Real Estate Owned and Held for Investment 5,567 5,015 18,624 17,136 27,110 Goodwill 63,370 63,370 75,986 75,986 75,986 Intangible Assets 105 – 34,197 27,700 26,161 Total Intangible Assets 63,475 63,370 110,183 103,686 102,147 Total Servicing Rights 914 870 1,304 1,682 1,682 Total Other Assets 164,425 168,361 256,803 263,188 269,110 Total Assets $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,423,330 Liabilities Total Deposits $3,046,598 $3,279,037 $4,407,552 $4,434,069 $4,425,369 Short-Term Borrowings 114,930 17,590 15,900 32,721 179,321 Long-Term Borrowings 555 25,000 98,637 134,352 134,750 Junior Subordinated Debt – – 8,039 8,140 8,167 Subordinated Debt 33,000 33,000 33,000 83,187 83,289 Total Other Liabilities 43,082 47,240 59,579 58,262 66,929 Total Liabilities $3,238,165 $3,401,867 $4,622,707 $4,750,731 $4,897,825 Equity Common Equity $315,350 $340,422 $468,950 $519,847 $525,505 Total Equity $315,350 $340,422 $468,950 $519,847 $525,505 Tot Acc Other Comprehensive Inc (56,336) (44,351) (40,695) (24,691) (27,608) Total Liabilities and Equity $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,423,330 Historical Consolidated Balance Sheet

23 Note: Consolidated (GAAP) financial data as of March 31, 2026 (1) For the three months ended March 31, 2026 // (2) Includes Realized Gain on Securities and Nonrecurring Revenue Quarter-Ended (1) ($ in thousands) 2022 2023 2024 2025 2026Q1 Interest Income $111,334 $149,851 $211,460 $259,697 $64,704 Interest Expense 15,585 63,097 95,471 93,735 21,837 Net Interest Income $95,749 $86,754 $115,989 $165,962 $42,867 Provision for Credit Losses (449) 566 19,131 98 1,387 Total Noninterest Income (2) 11,845 14,133 18,336 21,727 6,898 Noninterest Expense 62,677 66,004 90,526 115,121 29,863 Acquisition related expenses – 1,816 16,200 236 – Net Income before Taxes $45,366 $32,501 $8,468 $72,234 $18,515 Provision for Taxes 7,276 5,121 (30) 13,047 3,768 Net Income $38,090 $27,380 $8,498 $59,187 $14,747 Memo: Realized Gain on Securities (2,007) 70 133 168 456 Memo: Nonrecurring Revenue – – – (2,197) 510 Historical Consolidated Income Statement

24 Note: Consolidated (GAAP) financial data as of March 31, 2026 ($ in thousands) Reconciliation | TCE / TA, TBVPS, & ROATCE 2022Y 2023Y 2024Y 2025Y 2025Q2 2025Q3 2025Q4 2026Q1 Total Equity $315,350 $340,422 $468,950 $519,847 $494,096 $509,260 $519,847 $525,505 Less: Goodwill 63,370 63,370 75,986 75,986 75,986 75,986 75,986 75,986 Less: Other Intangible Assets, Net of MSRs 105 – 34,196 27,700 30,778 29,239 27,700 26,161 Tangible Equity $251,875 $277,052 $358,768 $416,161 $387,332 $404,035 $416,161 $423,358 Less: Preferred Equity – – – – – – – – Tangible Common Equity [A] $251,875 $277,052 $358,768 $416,161 $387,332 $404,035 $416,161 $423,358 Total Assets $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,107,879 $5,159,636 $5,270,578 $5,423,330 Less: Goodwill 63,370 63,370 75,986 75,986 75,986 75,986 75,986 75,986 Less: Other Intangible Assets, Net of MSRs 105 – 34,196 27,700 30,778 29,239 27,700 26,161 Tangible Assets [B] $3,490,040 $3,678,919 $4,981,475 $5,166,892 $5,001,115 $5,054,411 $5,166,892 $5,321,183 TCE / TA [C] = [A] / [B] 7.22% 7.53% 7.20% 8.05% 7.74% 7.99% 8.05% 7.96% Common Shares Outstanding (Actual) [D] 7,158,017 7,040,852 9,990,724 9,994,595 9,994,696 9,994,595 9,994,595 10,010,488 TBVPS (Actual) [E] = [A] * 1000 / [D] $35.19 $39.35 $35.91 $41.64 $38.75 $40.43 $41.64 $42.29 Net Income [F] 16,956 $15,246 $14,747 Days in Quarter [G] 9 1 9 2 9 0 Days in Year [H] 365 365 365 Average Tangible Common Equity [I] $383,484 $396,914 $428,187 ROATCE [J] = ([F] / [G] * [H]) / [I] 14.0% Non-GAAP Financial Measures

25 Note: Consolidated (GAAP) financial data as of March 31, 2026 ($ in thousands) Reconciliation | NIM & Efficiency Ratio 2022Y 2023Y 2024Y 2025Y 2025Q2 2025Q3 2025Q4 2026Q1 Interest income (GAAP) $111,334 $149,851 $211,460 $259,697 $65,335 $65,164 $66,772 $64,704 Plus: Adjustment to FTE 1,901 1,917 2,367 2,763 718 714 629 851 Interest income adjusted to FTE (non-GAAP) $113,235 $151,768 $213,827 $262,460 $66,053 $65,878 $67,401 $65,555 Less: Interest expense 15,585 63,097 95,471 93,735 23,138 23,981 23,738 21,837 Net interest income adjusted to FTE (non-GAAP) $97,650 $88,671 $118,356 $168,725 $42,915 $41,897 $43,663 $43,718 Noninterest expense (GAAP) $62,677 $67,820 $106,726 $115,357 $28,262 $28,678 $31,064 $29,863 Less: Amortization of intangible 363 105 3,367 6,397 1,684 1,515 1,515 1,517 Less: Acquisition related expenses – 1,816 16,200 236 6 6 1 6 – – Noninterest expense (non-GAAP) $62,314 $65,899 $87,159 $108,724 $26,512 $27,147 $29,549 $28,346 Noninterest income (GAAP) $11,845 $14,133 $18,336 $21,727 $6,247 $5,501 $3,723 $6,898 Less: Net gains (losses) on equity securities (31) (11) 132 168 (7) (21) 125 456 Less: Gains on sale of fixed assets (1,976) 8 1 1 (74) – (615) (139) – Less: Gains on sale of available for sale securities – – – (2,241) – – (2,241) 510 NII (FTE) plus noninterest income (non-GAAP) $111,502 $102,734 $136,559 $192,599 $49,169 $48,034 $49,641 $49,650 Average earning assets (GAAP) $3,232,891 $3,495,974 $4,162,208 $4,708,036 $4,665,649 $4,700,669 $4,805,466 $4,826,982 Net interest margin adjusted to FTE (non-GAAP) 3.02% 2.54% 2.84% 3.58% 3.69% 3.54% 3.60% 3.67% Efficiency ratio (non-GAAP) 55.9% 64.1% 63.8% 56.5% 53.9% 56.5% 59.5% 57.1% Non-GAAP Financial Measures

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