2022年第三季度投資者演示文稿

共同打造成功2目錄第4頁簡介、投資理念、文化和戰略第10頁信貸、資本和流動性第21季度和2022年財務洞察力第35季度和2022年3月附錄

3第4頁簡介、投資理念、文化和戰略第10頁信用、資本和流動性第21季度和2022年度財務洞察第35季度第3季度和2022年度附錄本演示文稿中非歷史性的陳述均屬《1933年證券法》(經修訂)第27A節、《1934年證券交易法》(經修訂)第21E節和《1995年私人證券訴訟改革法》所指的“前瞻性陳述”。這些前瞻性陳述可能包括對People Bancorp Inc.(“People”)的戰略計劃和目標或預期未來業績和事件的討論。本演示文稿中的信息應與人民截至2021年12月31日的財政年度10-K表格年度報告(“2021年10-K表格”)和截至2022年9月30日的第三季度收益發布(“第三季度收益發布”)一起閲讀，這些報告包含在人民於2022年10月25日提交給美國證券交易委員會(“美國證券交易委員會”)的當前8-K表格報告中，兩者均可在美國證券交易委員會的網站(sec.gov)或人民網站(Peoplesbancorp.com)上查閲。根據美國公認會計原則的要求，People必須在其2022年9月30日綜合財務報表的發佈日期之前評估後續事件的影響，作為其將提交給美國證券交易委員會的Form 10-Q季度報告(“第三季度Form 10-Q”)的一部分。People預計將於2022年11月3日左右向美國證券交易委員會提交第三季度10-Q表。因此，可能會發生後續事件，導致People更新其關鍵會計估計數並修訂本演示文稿中所載的財務信息。投資者請注意，前瞻性陳述不是歷史事實, 涉及風險和不確定因素，包括在2021年Form 10-K表第一部分第1A項“風險因素”一節和第三季度收益報告中詳細説明的風險和不確定性。因此，實際結果可能與本報告中的前瞻性陳述所設想的結果大相徑庭。管理層認為，這些前瞻性狀態的預期是基於管理層對人民的業務和運營的瞭解範圍內的合理假設。各國人民概不負責更新這些前瞻性陳述，以反映本報告發表之日之後發生的事件或情況。投資者和股東的重要信息本演示文稿不構成出售或邀請購買People Bancorp Inc.(“People”)證券的要約。People將以S-4表格和其他文件向美國證券交易委員會(“美國證券交易委員會”)提交一份關於擬議中的與石灰石銀行公司(“石灰石”)合併的註冊聲明。註冊聲明將包括一份聯合委託書/招股説明書，該聲明/招股説明書將在People和Limstone各自召開股東特別會議以審議擬議的合併之前發送給兩家公司的股東。我們敦促投資者和證券持有人閲讀將提交給美國證券交易委員會的與擬議交易相關的委託書/招股説明書和任何其他相關文件，因為它們包含有關People、石灰石和擬議合併的重要信息。投資者和證券持有人可以通過美國證券交易委員會維護的網站www.sec.gov免費獲取這些文件(如果有)。這些文件也可以免費獲得。, 在People‘s網站www.Peoplesbancorp.com的“投資者關係”選項卡下，或聯繫人民投資者關係部：People Bancorp Inc.，138Putnan Street，PO Box 738，Marietta，Ohio 45750，Attn：Investor Relationship。People、Limstone及其某些董事和高管可被視為與擬議合併相關的委託書徵集的參與者。有關這些參與者和可能被視為交易參與者的其他人的利益的信息，可以通過閲讀有關擬議合併的委託書/招股説明書獲得。有關People董事和高管的更多信息載於People 2022年度股東大會的委託書，該聲明於2022年3月17日提交給美國證券交易委員會的附表14A。SA FE H AR BO R ST AT EM EN T

簡介、投資理念、文化和戰略4

5一起工作。建設成功。®WV Vaky OH MD DC俄亥俄州沃倫縣49卡萊爾50 Franklin 51漢密爾頓鎮52黎巴嫩53梅森54斯普林伯勒55韋恩斯維爾漢密爾頓縣56馬德拉57蒙哥馬利58辛辛那提LPO東59辛辛那提LPO西克萊蒙特縣60巴達維亞61米爾福德62米爾福德LPO 63威廉斯堡布朗縣64撒丁島65喬治城俄亥俄州66芒特奧拉伯縣67裏普利67聖費爾菲爾德縣25巴爾的摩26蘭開斯特27蘭開斯特-費爾菲爾德縣28雅典法院街29雅典-法院街30內爾鬆維爾梅格斯縣31普羅克斯維爾35伊隆頓傑克遜縣36傑克遜37威斯頓山本縣38普爾斯茅斯39北普茨茅斯40普羅姆斯茅斯縣派克縣42韋弗利加里亞縣33加洛波利斯克林頓縣44布蘭切斯特45新維也納46薩賓納47威爾明頓大街48威爾明頓廣場高地縣43希爾斯伯勒凱霍加縣22紐瓦克23希思富蘭克林縣24沃辛頓華盛頓縣1瑪麗埃塔大街2邊疆3第二街4裏諾5洛維爾6貝爾普西米特縣16諾頓17阿克倫LPO 18阿克倫主幹道19凱霍加瀑布20門羅瀑布格恩西縣10卡姆格日-惠靈街11比斯科什克頓縣13科頓諾克斯縣14芒特弗農15北卡頓縣21貝赫伍德摩根縣8馬尼斯諾布爾縣9諾布爾諾布爾縣78格林威登79縣縣80阿什蘭81山頂梅森縣73梅斯維爾劉易斯縣74文森堡主幹道75文森堡AA高速公路76駐軍77託爾斯伯勒肯頓縣69萊特坎貝爾堡縣70冷泉縣佈雷肯縣71布魯斯維爾羅伯遜縣72奧立維特布恩縣68佛羅倫薩厄普舒爾縣115巴克漢農巴伯縣116菲利皮哈里森縣117布里奇波特馬里昂縣118費爾蒙特LPO克利恩縣123克萊卡納瓦哈縣124查爾斯頓125查爾斯頓賓夕法尼亞大道羅文縣126斯潘克斯路127斯賓塞主布拉克斯頓縣119加斯韋121伯恩斯維爾平地林子113白斯普林斯112北劉易斯堡朗塞特伍德縣96維也納97埃默森98師TILLE 99泰勒縣95雷文斯伍德102裏普利WV米勒梅森縣103點宜人卡貝爾縣104亨廷頓西105亨廷頓東106亨廷頓LPO林肯縣107西哈姆林洛根縣108洛根布恩縣109麥迪遜羅利縣110貝克利羅特澤爾縣94新馬丁斯維爾派克縣83皮克維爾84皮克維爾保險弗洛伊德縣85馬丁86普雷斯頓斯堡87北側約翰遜縣88佩恩斯維爾馬格菲恩縣89薩勒斯維爾馬丁82伊內斯布萊特縣90傑克遜肯塔基州91駭維金屬加工92喬治肯頓縣肯塔基州131 K街132杜邦環島133康奈特大道DC蒙哥馬利縣128科温頓129裏士滿130漢普頓弗吉尼亞州哥倫布克利夫蘭辛辛那提列剋星敦路易斯維爾裏士滿查爾斯頓瑪麗埃塔亨廷頓人民銀行地理足跡PEBO存款超過1億美元但市場份額不在前3名的縣*PEBO市場份額前3名的縣*PEBO足跡截至9月30日的快照, 2022年貸款：46億美元資產：70億美元存款：59億美元市值：8.181億美元行政/管理下的資產：28億美元*根據FDIC截至2022年6月的年度存款摘要。納斯達克：PEBO PEBO地理簡介納斯達克：擁有石灰巖岸邊的PEBO縣

6投資理念納斯達克：畢馬威獨特的社區銀行模式·在更多可以影響定價的農村市場擁有最強大的存款市場份額。在三個州的32個縣的市場份額排名前三。·靠近較大城市的業務使我們能夠抓住城市市場(例如辛辛那提、克利夫蘭、哥倫布、華盛頓特區和裏士滿)的貸款機會·收入多樣性高於10-100億美元的銀行平均水平，費用收入比率為25%*·強大的社區聲譽和積極參與·全國範圍內的保險費融資和設備租賃業務強勁、多樣化的費用收入來源·第20大銀行所有的保險機構，擁有商業、個人、生命和健康方面的專業知識·財富管理-管理和管理的資產，包括經紀業務，截至2022年9月30日的信託和退休計劃·美國100強設備租賃公司擴大特許經營權的能力·強大的資本、收益增長和運營業績，以支持併購戰略·成熟的集成能力和可擴展的基礎設施，致力於紀律嚴明的執行和產生積極的運營槓桿·強大、集成的企業風險管理流程·專注於業務線業績和貢獻，運營效率和信貸質量·投資組合結構和投資組合數據表明的有紀律的信貸做法有吸引力的股息機會·在正常運營環境下，目標是40%至50%的派息率·支付的股息從2016年第一季度的每股0.15美元增加到最近一個季度的0.38美元·始終如一地評估股息並進行相應調整-2022年10月20日的年化股息率為5.14%*截至2022年9月30日，非利息收入(不包括損益)佔總收入的百分比

納斯達克：聚寶企業文化7WORKING。建設成功。®納斯達克：PEBO我們的願景是成為美國最好的社區銀行環境、社會和治理在我們慶祝成立120週年之際，我們致力於以確保人民將繼續存在的方式開展業務。2021年，我們繼續建立和改進我們的ESG監督框架，並進一步發展我們的可持續發展戰略。我們的ESG重點領域圍繞我們的同事、我們的社區、我們的客户和我們的股東組織。有關我們ESG實踐的更多信息，請訪問我們的網站Peoplesbancorp.com/About-Us/About-People。我們的行動以Promise Circle為代表的核心價值觀為指導，體現了我們的經營方式，以及我們對員工、社區、客户和股東創造價值的永無止境的追求。在我們做出的決策和我們的業務實踐中忠於這些核心價值觀，對於推動可持續的長期增長至關重要。我們的核心價值觀

8戰略路線圖納斯達克·人人都是風險管理者·瞭解風險：戰略、聲譽、信用、市場、流動性、運營、合規·有紀律的信用文化·第一次做正確的事情·舉手·發現根本原因·有效管理變化·確保信息安全·像對待家人一樣對待客户·取悦客户·確保所有渠道的一致客户體驗·瞭解客户的目標和恐懼·提供專家建議和解決方案·發展數字體驗·DWYSYWD(照你説的做)·收購，發展和留住客户·獲得客户推薦·廣泛經營·為我們提供的價值付出代價·高效運營·渴望成功·進行深思熟慮的合併和收購·按價值招聘·競爭在街對面·推廣學習文化·全方位指導·讓合適的人做正確的工作·負責任，沒有藉口·認可和獎勵業績·平衡工作和生活·培養多樣性·傳播善意/不做壞事負責的客户體驗盈利收入增長一流的工作場所·對卓越股東回報的承諾·客户的金融服務首選·工作的好地方·對我們社區最佳社區銀行的重大影響

外部認可9納斯達克：PEBO截至2021年9月30日的財政年度以SBA7(A)批准的美元計算，人民銀行在全國排名OH在WV派克縣，肯塔基州約翰遜縣，肯塔基州弗洛伊德縣，肯塔基州人民銀行是僅有的30家公司之一，在我們的行業中擁有1,000至2,499名員工。2022年北極星租賃躋身設備金融101+強企業，在2022年監測101+榜單上排名114位。(微票額排名第一。)當北極星租賃與Vantage Financial合併時，人民設備租賃公司將進入榜單前100名。中國人民銀行連續兩年榮獲美國銀行家獎。俄亥俄州博伊德縣伊隆頓和俄亥俄州勞倫斯縣2022社區獎

納斯達克：PEBO 10信用、資本和流動性10

納斯達克：PEBO信用風險管理流程11協同。建設成功。®納斯達克：東亞銀行貸款與租賃*投資組合構成·專注於投資組合風險分散的穩健集中管理流程·基於關係的貸款·商業房地產和商業與工業(C&I)與消費者保持平衡·商業房地產融資一般僅適用於A級開發商·截至2022年9月30日，商業房地產融資佔基於風險的資本的221%·市場外貸款非常有限·消費者投資組合通過有機和收購不斷增長·70億美元的銀行，每種關係政策/承保標準規定最大貸款敞口·經驗豐富，獨立的商業和消費者承銷商·全面的商業承保方案包括標準化的貸款契約語言、敏感性分析和行業研究·風險適用的CRE政策標準因資產類別而異·對政策例外情況設定了限制；每月監測的數量和趨勢·在適當情況下使用政府擔保計劃·3,000萬美元貸款敞口的簡化審批程序·大型會計和諮詢公司的外部貸款審查·季度批評資產審查(CAR)會議·對系統重要性關係(SIR)的季度審查·每月貸款質量委員會會議*在本文件中也稱為“總貸款”和“為投資而持有的貸款”

12資產質量納斯達克：PEBO 0%0.125%0.250%0.375%YTD-2220212020201920182017年化沖銷淨沖銷佔平均貸款的百分比年化90%95%100%YTD-222021 202020192018 2017被視為當前貸款的百分比我們的拖欠和淨沖銷趨勢五年來保持穩定98.6%0.15%0.15%0.04%0.05%0.13%0.13%99.1%98.8%98.5%98.5%2019年和2020年的低沖銷率是由於大規模復甦。2021年沖銷的增加是由於一項商業和工業貸款關係的50萬美元沖銷和租賃沖銷(比我們的核心特許經營權更高的沖銷業務)98.9%0.15%

納斯達克：PEBO資產質量13WORKING一起。建設成功。®納斯達克：自2021年第三季度增加以來，PEBO不良資產持續減少，這主要是由於獲得的貸款**亞利桑那州2016-13年項下購買的信用惡化貸款的會計導致390多萬美元的貸款於2020年1月1日從逾期90天以上和應計類別轉移到非應計類別。截至2019年12月31日，這些貸款作為逾期90天以上的應計貸款列報，儘管它們不是應計利息收入，因為它們是因收購會計確認的折扣而增加的收入。截至2021年9月30日的季度，NPA的變化是從Premier Financial Bancorp，Inc.收購了價值1110萬美元的OREO財產的結果。不良資產包括逾期90天以上的貸款和應計貸款、重新協商的貸款、非應計貸款和其他擁有的房地產。N PA‘s In$M IL理想汽車O N S$0$10$20$30$40$50$60 Q3-22Q2-22Q1-22Q4-21Q3-21Q2-21Q1-21Q4-20Q3-20Q2-20Q1-20201920182017 NPA組成C&I住宅CRE HELOC消費者

14資產質量納斯達克：PEBO資產質量0%5%10%15%20%25%30%35%40%45%50%Q3-22Q2-22Q1-22Q4-21Q3-21Q2-21Q1-21Q4-20Q3-20Q2-20Q1-20FY-19FY-18FY-17將貸款歸類並批評為A級資本的百分比管理良好。由於收購Premier Financial Bancorp，Inc.，第三季度實現增長。*按照美國證券交易委員會的報道方法。批評貸款包括被歸類為特別提及、不合格或可疑的貸款。分類貸款包括分類為不合標準或可疑的貸款。分類貸款/一級資本+全部貸款*批評貸款/一級資本+全部貸款*25.61%28.10%10.78%13.14%21.22%14.49%19.58%14.82%22.42%14.15%26.54%16.37%27.09%15.52%16.17%24.74%15.70%25.83%35.72%29.11%15.99%21.69%16.40%30.93%28.76%18.31%14.56%25.29%

155%241%0%50%100%150%200%250%300%350%400%同業銀行子貸款/基於風險的資本納斯達克：PEBO CRE集中度分析15建設成功。納斯達克：PEBO CRE敞口遠低於為識別CRE集中度較高的機構而建立的監管標準，這些標準是為識別CRE集中度較高的機構而建立的-同業銀行次級貸款/基於風險的資本來源：標準普爾全球市場情報，商業銀行截至2012年6月30日的看漲報告數據。根據2013年4月OCC-FRB指南。CLD貸款定義為用於建築、土地和土地開發的貸款總額。CRE貸款定義為非業主自用CRE貸款總額(包括CLD)。以上使用代理對等組是為了進行比較。300%是根據監管指南被認為是CRE集中風險增加的水平。

33%44%0%10%20%30%40%50%60%70%80%90%100%110%CHCO SRCE CBU FMNB NWBI NBTB PRK FFBC HBNC PEBO TMP FRME STBA TSC宇宙$1-$10 B FISI GABC SYBT LKFN THFF CCNE town PFC SASR EGBN CTBI Peer Bank Subs--建築，土地和土地開發貸款/基於風險的資本16 CRE集中分析納斯達克來源：標準普爾全球市場情報，商業銀行看漲報告數據截至6/30/22。根據2013年4月OCC-FRB指南。CLD貸款定義為用於建築、土地和土地開發的貸款總額。CRE貸款定義為非業主自用CRE貸款總額(包括CLD)。以上使用代理對等組是為了進行比較。100%是根據監管指引被認為是建設、土地和土地開發集中風險增加的水平。PEBO明顯低於10-100億美元銀行同業貸款的平均水平--建築、土地和土地開發貸款/基於風險的資本

其他教育輔助生活倉庫住宿公寓混合用途輕工業Oce建築零售商業房地產投資組合同業銀行次級建築，土地和土地開發貸款/基於風險的資本納斯達克：PEBO貸款組合17一起工作。建設成功。®納斯達克：PEBO總貸款組合*=截至2022年9月30日的46億美元數據。*不包括存款透支和PPP貸款：截至2022年9月30日為430萬美元**CRE總額包括商業房地產和建築貸款，風險敞口包括承諾。*顯示了貸款規模的前十大類別(其他類別中的其餘類別)貸款構成反映了多樣化的風險概況商業和工業19%業主自住(CRE)17%住宅房地產16%非業主自住(CRE)14%消費者，間接13%租賃7%建築5%房屋淨值信用額度4%保費融資貸款3%消費者，直接2%1 2 3 4 5 6 7 8 9 10 CRE投資組合總額**=16億美元零售12%寫字樓11%輕工業10%混合用途8%公寓6%住宿7%倉庫5%輔助生活4%教育服務3%其他34%*1 2 3 4 5 6 7 8 9 10餐飲服務23%零售業14%貿易承包商10%製造業(食品、飲料、紡織、6%房地產6%批發業5%塑膠製品製造業4%流動醫療保健服務3%教育服務3%機械製造業3%其他23%*1 2 3 4 5 6 7 8 9 10 11貸款組合商業房地產組合貸款組合(不包括存款透支)2 3 1 4 5 7 8 9 9 3 2 5 1 6 7 8 9 10 4總C&I組合=9億美元，包括購買力平價貸款

18審慎使用資本納斯達克：PEBO資本優先考慮·有機增長·分紅·股票回購·收購活動分紅·7年增加分紅。支付的股息從2016年第一季度的每股0.15美元增加到最近一個季度的0.38美元·基於人民普通股在2022年10月20日的收盤價29.60美元，季度股息產生5.14%的年化收益率股票回購·謹慎的股票回購·在2022年前九個月回購了720萬美元的股票，並在2020年每個季度回購了股票·由於即將與Limstone Bancorp，Inc.合併，股票回購計劃已暫停。低貸存比提供低成本流動性，為未來的增長提供資金

77.18%55%60%65%70%75%80%85%90%95%100%105%貸款/存款-同行集團納斯達克：PEBO存款特許經營權19WORKING Together。建設成功。®納斯達克：PEBO低貸存比提供低成本流動性，為未來增長提供資金來源：標準普爾全球市場情報，截至2022年6月30日。同業金融機構在本演示文稿中用於比較目的，被稱為“代理同業集團”。這些金融機構的母公司不屬於人民薪酬委員會在分析和制定2022年高管薪酬時使用的金融機構控股公司的同業集團。貸款/存款-同級組N O T T O S C A le Univ.1-100億美元平均：82.47%

0.14 0.03 0.08 0.13 0.18 0.23 0.28 0.33 0.38 0.43 0.48 EG BN CT BI LK FN FR M E TH FF CC N SR CE FI SI FM N B PF C to W N SA SR PE BO TM P HB N C N W BI SY BT G AB C CH CO PR K FF BC ST BA CB U N BT B FC F總存款成本(%)20納斯達克：就截至6月30日的存款成本而言，PEBO PEBO低於10-100億美元的銀行宇宙，2022年總存款成本(%)來源：標普全球市場情報，截至2022年6月30日。同業金融機構在本演示文稿中用於比較目的，被稱為“代理同業集團”。這些金融機構的母公司不屬於人民薪酬委員會在分析和制定2022年高管薪酬時使用的金融機構控股公司的同業集團。大學。1-100億美元平均值：0.22%0.14%

總存款成本(%)2022年第3季度和年初財務洞察21

22 Q3&YTD 2022年第3季度亮點和主要影響納斯達克：截至2022年7月1日的PEBO社交媒體數據(基於納斯達克符號)：TONY、FFBC、CBU、FRME、NWBI、SASR、TSC、NBTB、EGBN、PRK、FCF、STBA、SRCE、TMP、PFC、HBNC、LKFN、SYBT、CHCO、GABC、FISI、CTBI、CCNE、THFF、FMNB人民銀行是社交媒體追隨者的前三分之一，在代理同行組(25家銀行)#6#6#6#7金融：·People公佈2022年第三季度淨收入為2600萬美元，稀釋後普通股收益為0.92美元。相比之下，People在2022年第二季度確認的稀釋後普通股每股收益為0.88美元，2021年第三季度每股稀釋後普通股虧損0.28美元。·截至2022年9月30日的9個月，People錄得淨收益7440萬美元，或每股稀釋後普通股2.65美元，而截至2021年9月30日的9個月，淨收入為1980萬美元，或每股稀釋後普通股0.99美元。·與相關季度相比，淨利息收入增加了560萬美元，增幅為9%；與2021年第三季度相比，淨利息收入增加了2450萬美元，增幅為57%。2022年第三季度的淨息差為4.17%。·不包括淨收益和淨虧損的非利息收入總額，與關聯季度相比增加了80萬美元，或4%，與2021年第三季度相比，增加了360萬美元，或21.2%。·與相關季度相比，非利息支出總額增加了240萬美元，增幅為5%；與2021年第三季度相比，非利息支出總額減少了560萬美元，降幅為10%。·與2022年6月30日相比，期末總貸款和租賃餘額增加了3530萬美元，摺合成年率增加了3%。不包括購買力平價，餘額按年率計算為4%。·資產質量指標在本季度略有改善。貸款增長基於費用的收入效率比率信貸成本

納斯達克：PEBO財經預期23攜手共進。建設成功。®納斯達克：2022財年第四季度/2022財年第四季度貸款增長基於費用的收入非利息支出效率比率全年信貸成本在4-6%之間，剔除PPP貸款預計未來季度信貸成本增長2022年剩餘季度總計5100萬至5300萬美元與全年相比目標比率在50%至16%之間2021年預計貸款增長5%至7%未來幾個季度基於費用的收入將增長5%至7%達到歷史水平項目季度非利息支出在5600萬美元至5800萬美元之間預計全年石灰石將增加每股0.16美元2023年(不包括收購石灰石)

24收購石灰石銀行公司納斯達克：PEBO宣佈2022年10月25日通過其社區銀行子公司和226名合夥人，在肯塔基州14個縣經營20家分行。截至2022年9月30日，石灰石在合併基礎上擁有15億美元的總資產，其中包括11億美元的總淨貸款和12億美元的總存款。·合併完成後，合併後的公司將擁有約85億美元的總資產，57億美元的總貸款和71億美元的總存款，在俄亥俄州、西弗吉尼亞州、肯塔基州、馬裏蘭州、弗吉尼亞州和華盛頓特區設有150個辦事處。有關預計收購計劃宣佈的更多信息，請訪問Pebo.com的投資者關係頁面>美國證券交易委員會備案文件。

納斯達克：貝寶收購Vantage Financial 25 WORKING Together。建設成功。Vantage納斯達克：®收購將於2022年3月7日生效·Vantage Financial(“Vantage”)是一家總部位於明尼蘇達州埃克塞西奧爾的非上市中型全國性設備金融公司。·該公司主要為教育、法律、醫療保健、零售、物流、製造業等廣泛行業的關鍵任務IT設備提供租賃。·北極星租賃和Vantage的合併創造了一個令人信服的機會，可以繼續使我們的貸款組合多樣化。合併後的資產將躋身全國最大設備金融公司的前100名。亮點·截至2022年3月7日的租賃總額為1.549億美元·強勁回報狀況；2021年税前淨資產收益率和淨資產收益率分別為3.4%和38.5%·2022年每股收益預計增長約3%/0.08來源(以百萬美元為單位)$0$20$40$60$80$100 2021202020192018 2016年$76.6$70.4$86.6$47.5$38.5$26.7

2022年第三季度移動和數字用户體驗改善納斯達克：百事可樂我們很高興地宣佈，2022年8月推出了一項新的在線和移動銀行體驗移動激活設備比2022年6月(截至2022年9月)提高了10%網上銀行活躍用户比2022年6月(截至2022年9月)提高了17%

納斯達克：必和必拓股票表現27連在一起。建設成功。®納斯達克：PEBO 0%10%20%30%40%50%60%70%80%銀行業表現落後於標準普爾500指數3年和5年總年回報率1年3年5年-4%-15%3%-2%8%截至2022年9月30日2%0 10 20 30-5.61%-8.47%-23.88%總回報率包括股息影響。同行包括：TONY、FFBC、CBU、FRME、NWBI、SASR、TSC、NBTB、EGBN、PRK、FCF、STBA、SRCE、TMP、PFC、HBNC、LKFN、SYBT、CHCO、GABC、FISI、CTBI、CCNE、THFF、FMNB。來源：彭博標準普爾500指數同業集團PEBO截至2022年9月的9個月累計總回報率1%9%1%

28總收入納斯達克：PEBO$0$50,000$100,000$150,000$200,000$250,000 YTD-22FY-21 FY-20 FY-19 FY-18 FY-17 FY-16 Lorem ipsum 2022年前9個月總收入2.43億美元$51,070$52,653$57,234$64,892$104,865$113,377$129,612$140,838非利息收入，不包括收益和LOSSESNET利息收入($T H O U SA N D S)人民銀行受益於收購ASB Financial Corp.2018年第二季度，收購First Prestonsburg Bancsburg股份有限公司，2019年第三季度收購凱旋金融公司2021年第二季度收購北極星租賃，2021年第三季度收購Premier Bancorp Financial，Inc.，2022年第一季度收購Vantage Financial。$64,330$138,923$69,254$172,553$60,009$182,829

納斯達克：PEBO保險與投資收入構成29攜手同行。建設成功。®納斯達克：PEBO 3 4 5總投資收入2022年1,250萬美元1受託46%2經紀39%3員工福利15%保險和投資收入構成保險收入*投資收入*1 2 1 P&C商業線55%2 P&C個人線19%3人壽和健康12%4基於業績的12%5其他2%在支持和其他2%在支持和在支持中2022年保險總收入1 3 2 4 1,200萬美元5

30費用與效率比率納斯達克：百事可樂最近費用的上升是由於收購，增長和技術投資的FTE增加核心非利息支出*非核心項目的效率比率調整後*55%57%59%61%63%65%67%69%YTD-22FY-21FY-20FY-19FY-18FY-17 71%73%75%$50000$64000$78000$92000$106000$120000 YTD-19**FY-18**FY-17FY-16FY-15FY-1461.85%61.32%61.09%N O T O S A LE 63.51%調整後的效率比率對於非核心項目*核心非利息支出*$0$40,000$80,000$120,000$160,000$200,000 YTD-22FY-21FY-20 FY-19FY-18 FY-17非核心非利息支出*核心非利息支出($T H O U SA N D S)N O T T O S C A le*非美國GAAP財務衡量標準。請參見附錄。新冠肺炎和非利息支出增加對2020&2021年效率比的影響59.61%

納斯達克：PEBO關鍵指標提升31攜手共進。建設成功。®納斯達克：PEBO 0.0%0.5%1.0%1.5%2.0%YTD-22FY-21FY-20FY-19FY-18FY-17FY-16FY-15關鍵指標平均回報率改善非核心項目調整後的資產平均有形股東權益非核心項目調整後的平均有形股東權益0%5%10%15%20%25%YTD-22FY-21FY-20FY-19FY-18FY-17FY-16$14$15$16$17$18$19$20$21-22 FY-21 FY-20 FY-19 FY-18 FY-17 FY-16 FY-15$10,000$20,000$30,000$40,000$50,000$60,000$70,000$80,000 YTD-22FY-21 FY-20 FY-19 FY-18 FY-17 FY-16 FY-15每股有形賬面價值FY-15 1.25%1.50%1.75%2.00%2.25%近年來，我們在這些指標上取得了穩步進展。新冠肺炎的信貸損失撥備、利率環境和其他經濟影響在2020年和2021年對這些指標產生了顯著影響0.97%經非核心項目調整的平均資產回報率1非核心項目調整的平均有形股東權益回報率1 1.08%1.32%1.42%11.30%11.40%15.48%15.32%7.32%0.62%0.85%9.75%1.18%15.84%1非美國公認會計準則財務指標。請參見附錄。0.0%0.5%1.0%1.5%2.0%YTD-22FY-21FY-20FY-19FY-18FY-17FY-16FY-15關鍵指標平均回報率的改善針對非核心項目調整的平均資產回報針對核心項目調整的平均股東權益回報0%5%10%15%20%25%YTD-22FY-21FY-20FY-19-18$14$15$15$16$17$18$19$20$21 YTD-22 FY-21 FY-20 FY-19 FY-18 FY-17 FY-16 FY-15$10,000$20,000$40,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$20,000$20,000$20,000$17$17$18,000$20$21 YTD-22 FY-21 FY-20 FY-20 FY-19 FY-18 FY-17 FY-16 FY-15$10,000$20,000$40,000$60,000$60,000$60,000美元$80,000 YTD-22 FY-21 FY-20 FY-19 FY-18 FY-17 FY-16 FY-15 FY-1每股有形賬面價值1.25%1.50%1.75%2.00%2.25%1.44%21.05%

32總貸款增長納斯達克：PEBO$0$1,000$2,000$3,000$4,000$5,000 YTD-22 FY-21 FY-20 FY-19 FY-18 FY-17 FY-16 ASB獲得的貸款除購買力平價貸款外，本歷年未獲得的總貸款除購買力平價貸款第一家普雷斯頓斯堡收購貸款*截至2022年9月30日，總貸款為46億美元，其中包括370萬美元的購買力平價貸款保費融資收購貸款總收購租賃總購買力平價貸款Premier Financial Bancorp，Inc.收購貸款*在本文件中也稱為“貸款總額”和“為投資而持有的貸款”2021年盈利資產的增加是由於收購

納斯達克：畢馬威盈利資產組合33WORKING。建設成功。®納斯達克：PEBO 2021年盈利資產的增長是由於收購了TA L E A R N in G A S S E TS(I N$B IL理想汽車O N S)P E R C E N TA G E O F to TA L E A R N in G A S S E TS盈利資產組合$0$1$2$3$4$5$6$6$7 YTD-22FY-21 FY-20 FY-19 FY-18 FY-17 20%30%40%50%60%70%80%LOANSINVESTMENTS投資%貸款%%74%27%24%26%80%27%73%20%26%74%

存款增長$0$1,300$2,600$3,900$5,200$6,500 YTD-22 FY-21 FY-20 FY-19 FY-18 FY-17 34存款增長納斯達克：PEBO DDAS*存款餘額受益於購買力平價貸款收益，對消費者和商業客户的財政刺激，以及收購Premier Financial Bancorp，Inc.*DDAS代表活期存款賬户，代表有息和無息交易賬户。$2,730$2,955$3,291($M IL理想汽車O N S)經紀存款證政府存款户口貨幣市場存款户口零售存款證儲蓄户口有息存款證*無息存款證*$3,910$5,862 48%43%40%40%42%5,866 48%

Q3 & YTD 2022 APPENDIX 35

NASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 36 PRE-PROVISION NET REVENUE Pre-provision net revenue (PPNR) has become a key financial measure used by federal bank regulatory agencies when assessing the capital adequacy of financial institutions. PPNR is defined as net interest income plus total non-interest income (excluding all gains and losses) minus total non-interest expense and, therefore, excludes the provision for loan losses and all gains and/or losses included in earnings. PPNR excludes income tax expense. As a result, PPNR represents the earnings capacity that can be either retained in order to build capital or used to absorb unexpected losses and preserve existing capital. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Income before income taxes 14,816$ 45,282$ 57,203$ 54,941$ 65,358$ 42,646$ 56,970$ 94,661$ Add: Provision for loan/credit losses 14,097 3,539 3,772 5,448 2,504 26,254 731 1,776 Add: Loss on debt extinguishment – 707 – – – – – – Add: Loss on OREO 530 34 116 35 98 120 – 138 Add: Loss on securities – 1 – 147 – 368 862 44 Add: Loss on other assets 696 427 – 469 692 170 252 142 Add: Loss on other transactions 43 – – 76 – – – 128 Less: Recovery of loan losses – – – – – – – 7,587 Less: Gain on OREO – – – 14 – – 56 – Less: Gains on securities 729 931 2,983 1 164 – – 151 Less: Gains on other assets – 35 28 76 8 – – 94 Less: Gains on other transactions – – 25 168 – – 897 – Pre-provision net revenue 29,453$ 49,024$ 58,055$ 60,857$ 68,480$ 69,558$ 57,862$ 89,057$ Average assets (in millions) 3,112$ 3,320$ 3,510$ 3,872$ 4,222$ 4,739$ 5,673$ 7,104$ Pre-provision net revenue to average assets 0.95% 1.48% 1.65% 1.57% 1.62% 1.47% 1.02% 1.68% C:\Users\NSlatter\AppData\Local\Temp\40\nNASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 36 PRE-PROVISION NET REVENUE Pre-provision net revenue (PPNR) has become a key financial measure used by federal bank regulatory agencies when assessing the capital adequacy of financial institutions. PPNR is defined as net interest income plus total non-interest income (excluding all gains and losses) minus total non-interest expense and, therefore, excludes the provision for loan losses and all gains and/or losses included in earnings. PPNR excludes income tax expense. As a result, PPNR represents the earnings capacity that can be either retained in order to build capital or used to absorb unexpected losses and preserve existing capital. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Income before income taxes 14,816$ 45,282$ 57,203$ 54,941$ 65,358$ 42,646$ 56,970$ 94,661$ Add: Provision for loan/credit losses 14,097 3,539 3,772 5,448 2,504 26,254 731 1,776 Add: Loss on debt extinguishment – 707 – – – – – – Add: Loss on OREO 530 34 116 35 98 120 – 138 Add: Loss on securities – 1 – 147 – 368 862 44 Add: Loss on other assets 696 427 – 469 692 170 252 142 Add: Loss on other transactions 43 – – 76 – – – 128 Less: Recovery of loan losses – – – – – – – 7,587 Less: Gain on OREO – – – 14 – – 56 – Less: Gains on securities 729 931 2,983 1 164 – – 151 Less: Gains on other assets – 35 28 76 8 – – 94 Less: Gains on other transactions – – 25 168 – – 897 – Pre-provision net revenue 29,453$ 49,024$ 58,055$ 60,857$ 68,480$ 69,558$ 57,862$ 89,057$ Average assets (in millions) 3,112$ 3,320$ 3,510$ 3,872$ 4,222$ 4,739$ 5,673$ 7,104$ Pre-provision net revenue to average assets 0.95% 1.48% 1.65% 1.57% 1.62% 1.47% 1.02% 1.68% C:\Users\NSlatter\AppData\Local\Temp\40

APPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 37 PRE-PROVISION NET REVENUE ADJUSTED FOR NON-CORE ITEMS Pre-provision net revenue (PPNR) has become a key financial measure used by federal bank regulatory agencies when assessing the capital adequacy of financial institutions. PPNR adjusted for non-core items is defined as net interest income, excluding system upgrade revenue waived, acquisition costs, contract negotiation fees, Peoples Bank Foundation, Inc. contribution. Severance costs, COVID-19-related expenses and pension settlement charges, plus the provision for loan losses, refund of contract negotiation fees and all gains and/or losses included in the earnings. PPNR excludes income tax expense. As a result, PPNR represents the earnings capacity that can be retained in order to build capital or used to absorb unexpected losses and preserve existing capital. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Income before income taxes 14,816$ 45,282$ 57,203$ 54,941$ 65,358$ 42,646$ 56,970$ 94,661$ Add: System upgrade revenue waived – 85 – – – – – – Add: Acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Add: COVID-19 related expenses – – – – – 1,332 1,248 132 Add: System upgrade costs – 1,259 – – – – – – Add: Contract negotiation expenses – – – – – – 1,248 – Add: Other non-core costs 592 – – – 270 1,055 579 – Add: Pension settlement charges 459 – 242 267 – 1,054 143 139 Add: Provision for loan/credit losses 14,097 3,539 3,772 5,448 2,504 26,254 731 1,776 Add: Loss on debt extinguishment 520 707 – – – – – – Add: Loss on OREO 529 34 116 35 98 120 – 138 Add: Loss on securities – 1 – 147 – 368 862 44 Add: Loss on other assets 696 427 – 469 692 170 459 142 Add: Loss on other transactions 43 – – 76 – – – 128 Less: Recovery of loan losses – – – – – – – 7,587 Less: Gain on OREO – – – 14 – – 56 – Less: Gains on securities 729 931 2,983 1 164 – – 151 Less: Gains on other assets – 35 28 76 8 – – 94 Less: Gains on other transactions – – 25 168 – – 897 – Pre-provision net revenue 41,702$ 50,368$ 58,638$ 68,386$ 76,037$ 73,488$ 82,707$ 91,642$ Average assets (in millions) 3,112$ 3,320$ 3,510$ 3,872$ 4,222$ 4,739$ 5,673$ 7,104$ Pre-provision net revenue to average assets 1.34% 1.52% 1.67% 1.77% 1.80% 1.55% 1.46% 1.72% C:\Users\NSlatter\AppData\Local\Temp\40\nAPPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 37 PRE-PROVISION NET REVENUE ADJUSTED FOR NON-CORE ITEMS Pre-provision net revenue (PPNR) has become a key financial measure used by federal bank regulatory agencies when assessing the capital adequacy of financial institutions. PPNR adjusted for non-core items is defined as net interest income, excluding system upgrade revenue waived, acquisition costs, contract negotiation fees, Peoples Bank Foundation, Inc. contribution. Severance costs, COVID-19-related expenses and pension settlement charges, plus the provision for loan losses, refund of contract negotiation fees and all gains and/or losses included in the earnings. PPNR excludes income tax expense. As a result, PPNR represents the earnings capacity that can be retained in order to build capital or used to absorb unexpected losses and preserve existing capital. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Income before income taxes 14,816$ 45,282$ 57,203$ 54,941$ 65,358$ 42,646$ 56,970$ 94,661$ Add: System upgrade revenue waived – 85 – – – – – – Add: Acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Add: COVID-19 related expenses – – – – – 1,332 1,248 132 Add: System upgrade costs – 1,259 – – – – – – Add: Contract negotiation expenses – – – – – – 1,248 – Add: Other non-core costs 592 – – – 270 1,055 579 – Add: Pension settlement charges 459 – 242 267 – 1,054 143 139 Add: Provision for loan/credit losses 14,097 3,539 3,772 5,448 2,504 26,254 731 1,776 Add: Loss on debt extinguishment 520 707 – – – – – – Add: Loss on OREO 529 34 116 35 98 120 – 138 Add: Loss on securities – 1 – 147 – 368 862 44 Add: Loss on other assets 696 427 – 469 692 170 459 142 Add: Loss on other transactions 43 – – 76 – – – 128 Less: Recovery of loan losses – – – – – – – 7,587 Less: Gain on OREO – – – 14 – – 56 – Less: Gains on securities 729 931 2,983 1 164 – – 151 Less: Gains on other assets – 35 28 76 8 – – 94 Less: Gains on other transactions – – 25 168 – – 897 – Pre-provision net revenue 41,702$ 50,368$ 58,638$ 68,386$ 76,037$ 73,488$ 82,707$ 91,642$ Average assets (in millions) 3,112$ 3,320$ 3,510$ 3,872$ 4,222$ 4,739$ 5,673$ 7,104$ Pre-provision net revenue to average assets 1.34% 1.52% 1.67% 1.77% 1.80% 1.55% 1.46% 1.72% C:\Users\NSlatter\AppData\Local\Temp\40

NASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 38 CORE NON-INTEREST INCOME CORE NON-INTEREST EXPENSE ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total noninterest income 46,382$ 50,867$ 55,573$ 56,754$ 64,274$ 63,672$ 68,885$ 59,802$ Less: net gain (loss) on investment securities 729 930 2,983 (146) 164 (368) 862 107 Less: net gain (loss) on asset disposals and other transactions (1,788) (1,133) (63) (334) (782) (290) (493) (314) Add: core banking system conversion revenue waived – 85 – – – – – Core non-interest income excluding gains and losses 47,441$ 51,155$ 52,653$ 57,234$ 64,892$ 64,330$ 68,516$ 60,009$ ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total non-interest expense 115,081$ 106,911$ 107,975$ 125,977$ 137,250$ 133,695$ 183,737$ 153,781$ Less: system conversion expenses – 1,259 – – – – – – Less: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: COVID-19 related expenses – – – – – 1,332 1,248 132 Less: contract negotiation expenses – – – – – – 1,248 – Less: other non-core charges 592 – – – 270 1,055 579 – Core noninerest expense 103,308$ 105,652$ 107,392$ 118,448$ 129,693$ 129,765$ 159,099$ 151,196$ C:\Users\NSlatter\AppData\Local\Temp\40\notesDE4CD4\Appendix spreadsheet - 3Q22 v2 Appendix 3 ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total noninterest income 46,382$ 50,867$ 55,573$ 56,754$ 64,274$ 63,672$ 68,885$ 59,802$ Less: net gain (loss) on investment securities 729 930 2,983 (146) 164 (368) 862 107 ess: net gain (loss) on asset disposals and other transactions (1,788) (1,133) (63) (334) (782) (290) (493) (314) Add: core banking system conversion revenue waived – 85 – – – – – Core non-interest income excluding gains and losses 47,441$ 51,155$ 52,653$ 57,234$ 64,892$ 64,330$ 68,516$ 60,009$ ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total non-interest expense 115,081$ 106,911$ 107,975$ 125,977$ 137,250$ 133,695$ 183,737$ 153,781$ Less: system conversion expenses – 1,259 – – – – – – Less: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: COVID-19 related expenses – – – – – 1,332 1,248 132 Less: contract negotiation expenses – – – – – – 1,248 – Less: other non-core charges 592 – – – 270 1,055 579 – Core noninerest expense 103,308$ 105,652$ 107,392$ 118,448$ 129,693$ 129,765$ 159,099$ 151,196$ C:\Users\NSlatter\AppData\Local\Temp\40\nNASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 38 CORE NON-INTEREST INCOME CORE NON-INTEREST EXPENSE ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total noninterest income 46,382$ 50,867$ 55,573$ 56,754$ 64,274$ 63,672$ 68,885$ 59,802$ Less: net gain (loss) on investment securities 729 930 2,983 (146) 164 (368) 862 107 Less: net gain (loss) on asset disposals and other transactions (1,788) (1,133) (63) (334) (782) (290) (493) (314) Add: core banking system conversion revenue waived – 85 – – – – – Core non-interest income excluding gains and losses 47,441$ 51,155$ 52,653$ 57,234$ 64,892$ 64,330$ 68,516$ 60,009$ ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total non-interest expense 115,081$ 106,911$ 107,975$ 125,977$ 137,250$ 133,695$ 183,737$ 153,781$ Less: system conversion expenses – 1,259 – – – – – – Less: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: COVID-19 related expenses – – – – – 1,332 1,248 132 Less: contract negotiation expenses – – – – – – 1,248 – Less: other non-core charges 592 – – – 270 1,055 579 – Core noninerest expense 103,308$ 105,652$ 107,392$ 118,448$ 129,693$ 129,765$ 159,099$ 151,196$ C:\Users\NSlatter\AppData\Local\Temp\40

APPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 39 EFFICIENCY RATIO AND ADJUSTED FOR NON-CORE ITEMS ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total noninterest expense 115,081$ 106,911$ 107,975$ 125,977$ 137,250$ 133,695$ 183,737$ 153,781$ Less: amortization on other intangible assets 4,077 4,030 3,516 3,338 3,359 3,223 4,775 5,765 Adjusted total non-interest expense 111,004 102,881 104,459 122,639 133,891 130,472 178,962 148,016 Total non-interest income excluding net gains and losses 47,441 51,070 52,653 57,234 64,892 64,330 69,254 60,009 Net interest income 97,612 104,865 113,377 129,612 140,838 138,923 172,395 182,829 Add: fully taxable equivalent adjustment 1,978 2,027 1,912 881 1,068 1,054 1,350 1,116 Net interest income on a fully taxable equivalent basis 99,590 106,892 115,289 130,493 141,906 139,977 173,745 183,945 Adjusted revenue 147,031$ 157,962$ 167,942$ 187,727$ 206,798$ 204,307$ 242,999$ 243,954$ Efficiency ratio 75.50% 65.13% 62.20% 65.33% 64.74% 63.86% 73.65% 60.67% Core non-interest expense 103,308$ 105,652$ 107,392$ 118,448$ 129,693$ 129,765$ 159,099$ 151,196$ Less: amortization on other intangible assets 4,077 4,030 3,516 3,338 3,359 3,223 4,775 5,765 99,231 101,622 103,876 115,110 126,334 126,542 154,324 145,431 Core non-interest income excluding gains and losses 47,441 51,070 52,653 57,234 64,892 64,330 69,254 60,009 Net interest income on a fully taxable equivalent basis 99,590 106,892 115,289 130,493 141,906 139,977 173,745 183,945 Adjusted core revenue 147,031 157,962 167,942 187,727 206,798 204,307 242,999 243,954 Efficiency ratio adjusted for non-core items 67.49% 64.33% 61.85% 61.32% 61.09% 61.94% 63.51% 59.61% C:\Users\NSlatter\AppData\Local\Temp\40\n附錄非美國公認會計準則衡量納斯達克：PEBO 39效率比率並經非核心項目調整(以千為單位)FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22非利息支出總額115,081美元106,911美元107,975美元125,977美元137,250美元133,695美元183,737美元153,781美元以下：其他無形資產攤銷4,077 4,030 3,5163,338 3,3593，223 4,775 5,765調整後非利息支出總額111,004 102,881 104,459 122,639 133,891 130,472 178,962 148,016不包括淨損益的非利息收入總額47,441 51,070 52,653 57,234 64,892 64,330 69,254 60,009淨利息收入97，612 104,865 113,377 129,612 140,838 138,923 172,395 182,829增補：應課税等值調整1,978 2,027 1,912 881 1,068 1,054 1,350 1,116按應課税等值基準計算的淨利息收入99,590 106,892 115,289 130，493 141,906 139,977 173,745 183,945調整後收入147,031美元157,962美元167,942美元187,727美元206,798美元204,307美元242,999美元243,954美元效率比率75.50%65.13%62.20%65.33%64.74%63.86%73.65%60.67%核心非利息支出103,308美元105,652美元107,392美元118,448美元129,693美元129,765美元159,099美元151，196美元以下：其他無形資產攤銷4,077 4,030 3,5163,338 3,359 3,223 4,775 5,765 99,231 101,622 103,876 115,110 126,334 126,542 154,324 145,431不計損益的核心非利息收入47,441 51,070 52，653 57,234 64,892 64,330 69,254 60, 009利息收入淨額99,590 106,892 115,289 130,493 141,906 139,977 173,745 183,945調整後核心收入147,031 157,962 167,942 187,727 206,798 204,307 242,999 243，954針對非核心項目調整的效率比率67.49%64.33%61.85%61.32%61.09%61.94%63.51%59.61%C：\USERS\NSLAT\AppData\Local\Temp\40

NASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 40 TANGIBLE EQUITY TO TANGIBLE ASSETS AND TANGIBLE BOOK VALUE PER SHARE ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Total stockholders equity 419,789$ 435,261$ 458,592$ 520,140$ 594,393$ 575,673$ 845,025$ 760,511$ Less: goodwill and other intangible assets 149,617 146,018 144,576 162,085 177,503 184,597 290,009 328,428 Tangible equity 270,172 289,243 314,016 358,055 416,890 391,076 555,016 432,083 Total assets 3,258,970$ 3,432,348$ 3,581,686$ 3,991,454$ 4,354,165$ 4,760,764$ 7,063,521$ 7,005,854$ Less: goodwill and other intangible assets 149,617 146,018 144,576 162,085 177,503 184,597 290,009 328,428 Tangible assets 3,109,353 3,286,330 3,437,110 3,829,369 4,176,662 4,576,167 6,773,512 6,677,426 Tangible equity to tangible assets 8.69% 8.80% 9.14% 9.35% 9.98% 8.55% 8.19% 6.47% Tangible equity 270,172$ 289,243$ 314,016$ 358,055$ 416,890$ 391,076$ 555,016$ 432,083$ Common shares outstanding 18,404,864 18,200,067 18,287,449 19,565,029 20,698,941 19,563,979 28,297,771 28,278,078 Tangible book value per share 14.68$ 15.89$ 17.17$ 18.30$ 20.14$ 19.99$ 19.61$ 15.28$ C:\Users\NSlatter\AppData\Local\Temp\40\nOotesDE4CD4\附錄電子表格-3Q22 v2附錄5 People使用有形資本衡量標準來評估People‘s股東的充足性。這些比率代表非美國公認會計原則財務計量，因為計算中剔除了通過收購獲得的商譽和其他無形資產對股東權益總額和總資產的影響。管理層相信，這些信息對投資者是有用的，因為它有助於將People的經營業績、財務狀況和趨勢與同行進行比較，特別是那些無形資產水平與People相似的公司。下表將這些非USGAAP財務計量的計算與People合併財務報表中報告的金額進行了核對。

Peoples uses tangible capital measures to evaluate the adequacy of Peoples’ stockholders’. Such ratios represent non-US GAAP financial measures since the calculation removes the impact of goodwill and other intangible assets acquired through acquisitions on both total stockholders’ equity and total assets. Management believes this information is useful to investors since it facilitates the comparison of Peoples’ operating performance, financial condition and trends to peers, especially those without a level of intangible assets similar to that of Peoples. The following table reconciles the calculation of these non-USGAAP financial measures to amounts reported in Peoples’ consolidated financial statements. APPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 41(a) Tax effect is calculated using a 21% federal statutory tax rate for the 2021, 2020, 2019 and 2018 periods and 35% federal statutory rate for all other periods shown. RETURN ON AVERAGE ASSETS AND ADJUSTED FOR NON-CORE ITEMS The return on average assets adjusted for non-core items represents a non-US GAAP financial measure since it excludes the release of the deferred tax asset valuation allowance, the impact of the Tax Cuts and Jobs ACT on the reimbursement of deferred tax assets and deferred tax liabilities, and the after-tax impact of all gains and losses, Peoples Bank Foundation, Inc. contribution, severance costs, COVID-19-related expenses, acquisition-related expenses, contract negotiation fees, and pension settlement charges. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Total average assets 3,111,853 3,320,447 3,510,274 3,871,832 4,222,482 4,739,289 5,672,594 7,103,979 Return on average assets 0.35% 0.94% 1.10% 1.19% 1.27% 0.73% 0.84% 1.40% Return on average assets adjusted for non-core items: Net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 74,443$ Add: core banking system conversion revenue waived – 85 – – – – – – Less: tax effect of core banking system conversion revenue waived – 30 – – – – – – Add: net loss on investment securities – – – 146 – 368 862 – Less: tax effect of net loss on investment securities – – – 31 – 77 181 – Less: net gain on investment securities 729 930 2,983 – 164 – – 107 Add: tax effect of net gain on investment securities 255 325 1,044 – 34 – – 22 Less: net gain on assets disposals and other transactions - - - – – – 493 – Add: tax effect of net gain on asset disposals and other transactions - - - – – – 104 – Add: net loss on asset disposals and other transactions 1,788 1,133 63 334 782 290 – 314 Less: tax effect on net loss on asset disposals and other transactions 626 397 22 70 164 61 – 66 Add: system conversion expenses – 1,259 – – – – – – Less: tax effect on system conversion expense – 441 – – – – – – Add: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: tax effect on acquisition-related expenses 3,753 – 119 1,525 1,530 103 4,498 486 Add: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: tax effect on pension settlement charges 161 – 85 56 – 221 30 29 Add: COVID-19 expenses – – – – – 1,332 1,248 132 Less: tax effect on COVID-19 expenses – – – – – 280 262 28 Add: other non-core charges 592 – – – 270 1,055 579 – Less: tax effect on other non-core charges 207 – – – 57 222 122 – Add: contract negotiation fees – – – – – – 1,248 – Less: tax effect on contract negotiation fees – – – – – – 262 – Less: release of deferred tax asset valuation – – – 805 – – – – Less: impact of Tax Cuts and Jobs Act on deferred tax liability – – – 705 – – – – Add: impact of Tax Cuts and Jobs Act on deferred tax assets – – 897 - – – – – Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 40,319$ 65,339$ 76,648$ Total average assets 3,111,853 3,320,447 3,510,274 3,871,832 4,222,482 4,739,289 5,672,594 7,103,979 Return on average assets adjusted for non-core items 0.62% 0.97% 1.08% 1.32% 1.42% 0.85% 1.15% 1.44% C:\Users\NSlatter\AppData\Local\Temp\40\nPeoples uses tangible capital measures to evaluate the adequacy of Peoples’ stockholders’. Such ratios represent non-US GAAP financial measures since the calculation removes the impact of goodwill and other intangible assets acquired through acquisitions on both total stockholders’ equity and total assets. Management believes this information is useful to investors since it facilitates the comparison of Peoples’ operating performance, financial condition and trends to peers, especially those without a level of intangible assets similar to that of Peoples. The following table reconciles the calculation of these non-USGAAP financial measures to amounts reported in Peoples’ consolidated financial statements. APPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 41(a) Tax effect is calculated using a 21% federal statutory tax rate for the 2021, 2020, 2019 and 2018 periods and 35% federal statutory rate for all other periods shown. RETURN ON AVERAGE ASSETS AND ADJUSTED FOR NON-CORE ITEMS The return on average assets adjusted for non-core items represents a non-US GAAP financial measure since it excludes the release of the deferred tax asset valuation allowance, the impact of the Tax Cuts and Jobs ACT on the reimbursement of deferred tax assets and deferred tax liabilities, and the after-tax impact of all gains and losses, Peoples Bank Foundation, Inc. contribution, severance costs, COVID-19-related expenses, acquisition-related expenses, contract negotiation fees, and pension settlement charges. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Total average assets 3,111,853 3,320,447 3,510,274 3,871,832 4,222,482 4,739,289 5,672,594 7,103,979 Return on average assets 0.35% 0.94% 1.10% 1.19% 1.27% 0.73% 0.84% 1.40% Return on average assets adjusted for non-core items: Net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 74,443$ Add: core banking system conversion revenue waived – 85 – – – – – – Less: tax effect of core banking system conversion revenue waived – 30 – – – – – – Add: net loss on investment securities – – – 146 – 368 862 – Less: tax effect of net loss on investment securities – – – 31 – 77 181 – Less: net gain on investment securities 729 930 2,983 – 164 – – 107 Add: tax effect of net gain on investment securities 255 325 1,044 – 34 – – 22 Less: net gain on assets disposals and other transactions - - - – – – 493 – Add: tax effect of net gain on asset disposals and other transactions - - - – – – 104 – Add: net loss on asset disposals and other transactions 1,788 1,133 63 334 782 290 – 314 Less: tax effect on net loss on asset disposals and other transactions 626 397 22 70 164 61 – 66 Add: system conversion expenses – 1,259 – – – – – – Less: tax effect on system conversion expense – 441 – – – – – – Add: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: tax effect on acquisition-related expenses 3,753 – 119 1,525 1,530 103 4,498 486 Add: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: tax effect on pension settlement charges 161 – 85 56 – 221 30 29 Add: COVID-19 expenses – – – – – 1,332 1,248 132 Less: tax effect on COVID-19 expenses – – – – – 280 262 28 Add: other non-core charges 592 – – – 270 1,055 579 – Less: tax effect on other non-core charges 207 – – – 57 222 122 – Add: contract negotiation fees – – – – – – 1,248 – Less: tax effect on contract negotiation fees – – – – – – 262 – Less: release of deferred tax asset valuation – – – 805 – – – – Less: impact of Tax Cuts and Jobs Act on deferred tax liability – – – 705 – – – – Add: impact of Tax Cuts and Jobs Act on deferred tax assets – – 897 - – – – – Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 40,319$ 65,339$ 76,648$ Total average assets 3,111,853 3,320,447 3,510,274 3,871,832 4,222,482 4,739,289 5,672,594 7,103,979 Return on average assets adjusted for non-core items 0.62% 0.97% 1.08% 1.32% 1.42% 0.85% 1.15% 1.44% C:\Users\NSlatter\AppData\Local\Temp\40

NASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 42 (a) Tax effect is calculated using a 21% federal statutory tax rate for the 2021, 2020, 2019 and 2018 periods and 35% federal statutory rate for all other periods shown. RETURN ON AVERAGE TANGIBLE STOCKHOLDERS’ EQUITY The return on average assets adjusted for non-core items represents a non-US GAAP financial measure since it excludes the release of the deferred tax asset valuation allowance, the impact of the Tax Cuts and Jobs Act on the remeasurement of deferred tax assets and deferred tax liabilities, and the after-tax impact of all gains and losses, Peoples Bank Foundation, Inc. contribution, severance costs, COVID-19-related expenses, acquisition-related expenses. Contract negotiation fees and pension settlement charges. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Add: amortization of other intangible assets 4,077 4,030 3,516 3,338 3,359 3,223 4,775 5,765 Less: tax effect of amortization of other intangible assets (a) 1,427 1,411 1,231 701 705 677 1,003 1,211 Net income excluding the amortization of intangible assets 13,591 33,776 40,756 48,892 56,349 37,313 51,327 104,084 Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Less: average goodwill and other intangible assets 144,013 147,981 144,696 158,115 173,529 181,526 234,683 321,043 Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity 2.69% 7.20% 8.54% 9.48% 9.48% 6.04% 7.24% 12.32% Annualized net income excluding the amortization of intangible assets 13,591$ 33,776$ 40,756$ 48,892$ 56,349$ 37,313$ 51,327$ 104,084$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity 5.16% 11.86% 13.33% 14.81% 14.35% 9.47% 12.16% 21.38% ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Return on average equity adjusted for non-core items: Net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 74,443$ Add: core banking system conversion revenue waived – 85 – – – – – – Less: tax effect of core banking system conversion revenue waived (a) – 30 – – – – – – Add: net loss on investment securities – – – 146 – 368 862 – Less: tax effect of net loss on investment securities (a) – – – 31 – 77 181 – Less: net gain on investment securities 729 930 2,983 – 164 – – 107 Add: tax effect of net gain on investment securities (a) 255 325 1,044 – 34 – – 22 Less: net gain on assets disposals and other transactions - - - – – – 1,325 – Add: tax effect of net gain on asset disposals and other transactions - - - – – – 278 – Add: net loss on asset disposals and other transactios 1,788 1,133 63 334 782 290 – 314 Less: tax effect on net loss on asset disposals and other transactions (a) 626 397 22 70 164 61 – 66 Add: system conversion expenses – 1,259 – – – – – – Less: tax effect on system conversion expense (a) – 441 – – – – – – Add: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: tax effect on acquisition-related expenses (a) 3,753 – 119 1,525 1,530 103 4,498 486 Add: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: tax effect on pension settlement charges (a) 161 – 85 56 – 221 30 29 Add: COVID-19 expenses – – – – – 1,332 1,248 132 Less: tax effect on COVID-19 related expenses (a) – – – – – 280 262 28 Add: other non-core charges 592 – – – 270 1,055 579 – Less: tax effect on other non-core charges (a) 207 – – – 57 222 122 – Add: contract negotiation fees – – – – – – 1,248 – Less: tax effect on contract negotiation expenses (a) – – – – – – 262 – Less: release of deferred tax asset valuation – – – 805 – – – – Less: impact of Tax Cuts and Jobs Act on deferred tax liability – – – 705 – – – – Add: impact of Tax Cuts and Jobs Act on deferred tax assets – – 897 – – – – – Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity adjusted for non-core items 4.73% 7.43% 8.40% 10.46% 10.63% 6.67% 10.15% 12.68% Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity adjusted for non-core items 7.32% 11.30% 12.38% 15.48% 15.32% 9.75% 15.80% 21.05% C:\Users\NSlatter\AppData\Local\Temp\40\nNASDAQ: PEBO APPENDIX NON-US GAAP MEASURES 42 (a) Tax effect is calculated using a 21% federal statutory tax rate for the 2021, 2020, 2019 and 2018 periods and 35% federal statutory rate for all other periods shown. RETURN ON AVERAGE TANGIBLE STOCKHOLDERS’ EQUITY The return on average assets adjusted for non-core items represents a non-US GAAP financial measure since it excludes the release of the deferred tax asset valuation allowance, the impact of the Tax Cuts and Jobs Act on the remeasurement of deferred tax assets and deferred tax liabilities, and the after-tax impact of all gains and losses, Peoples Bank Foundation, Inc. contribution, severance costs, COVID-19-related expenses, acquisition-related expenses. Contract negotiation fees and pension settlement charges. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Add: amortization of other intangible assets 4,077 4,030 3,516 3,338 3,359 3,223 4,775 5,765 Less: tax effect of amortization of other intangible assets (a) 1,427 1,411 1,231 701 705 677 1,003 1,211 Net income excluding the amortization of intangible assets 13,591 33,776 40,756 48,892 56,349 37,313 51,327 104,084 Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Less: average goodwill and other intangible assets 144,013 147,981 144,696 158,115 173,529 181,526 234,683 321,043 Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity 2.69% 7.20% 8.54% 9.48% 9.48% 6.04% 7.24% 12.32% Annualized net income excluding the amortization of intangible assets 13,591$ 33,776$ 40,756$ 48,892$ 56,349$ 37,313$ 51,327$ 104,084$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity 5.16% 11.86% 13.33% 14.81% 14.35% 9.47% 12.16% 21.38% ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Return on average equity adjusted for non-core items: Net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 74,443$ Add: core banking system conversion revenue waived – 85 – – – – – – Less: tax effect of core banking system conversion revenue waived (a) – 30 – – – – – – Add: net loss on investment securities – – – 146 – 368 862 – Less: tax effect of net loss on investment securities (a) – – – 31 – 77 181 – Less: net gain on investment securities 729 930 2,983 – 164 – – 107 Add: tax effect of net gain on investment securities (a) 255 325 1,044 – 34 – – 22 Less: net gain on assets disposals and other transactions - - - – – – 1,325 – Add: tax effect of net gain on asset disposals and other transactions - - - – – – 278 – Add: net loss on asset disposals and other transactios 1,788 1,133 63 334 782 290 – 314 Less: tax effect on net loss on asset disposals and other transactions (a) 626 397 22 70 164 61 – 66 Add: system conversion expenses – 1,259 – – – – – – Less: tax effect on system conversion expense (a) – 441 – – – – – – Add: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: tax effect on acquisition-related expenses (a) 3,753 – 119 1,525 1,530 103 4,498 486 Add: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: tax effect on pension settlement charges (a) 161 – 85 56 – 221 30 29 Add: COVID-19 expenses – – – – – 1,332 1,248 132 Less: tax effect on COVID-19 related expenses (a) – – – – – 280 262 28 Add: other non-core charges 592 – – – 270 1,055 579 – Less: tax effect on other non-core charges (a) 207 – – – 57 222 122 – Add: contract negotiation fees – – – – – – 1,248 – Less: tax effect on contract negotiation expenses (a) – – – – – – 262 – Less: release of deferred tax asset valuation – – – 805 – – – – Less: impact of Tax Cuts and Jobs Act on deferred tax liability – – – 705 – – – – Add: impact of Tax Cuts and Jobs Act on deferred tax assets – – 897 – – – – – Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity adjusted for non-core items 4.73% 7.43% 8.40% 10.46% 10.63% 6.67% 10.15% 12.68% Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity adjusted for non-core items 7.32% 11.30% 12.38% 15.48% 15.32% 9.75% 15.80% 21.05% C:\Users\NSlatter\AppData\Local\Temp\40

APPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 43 RETURN ON AVERAGE STOCKHOLDERS’ EQUITY ADJUSTED FOR NON-CORE ITEMS (a) Tax effect is calculated using a 21% federal statutory tax rate for the 2021, 2020, 2019 and 2018 periods and 35% federal statutory rate for all other periods shown. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Add: amortization of other intangible assets 4,077 4,030 3,516 3,338 3,359 3,223 4,775 5,765 Less: tax effect of amortization of other intangible assets (a) 1,427 1,411 1,231 701 705 677 1,003 1,211 Net income excluding the amortization of intangible assets 13,591 33,776 40,756 48,892 56,349 37,313 51,327 104,084 Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Less: average goodwill and other intangible assets 144,013 147,981 144,696 158,115 173,529 181,526 234,683 321,043 Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity 2.69% 7.20% 8.54% 9.48% 9.48% 6.04% 7.24% 12.32% Annualized net income excluding the amortization of intangible assets 13,591$ 33,776$ 40,756$ 48,892$ 56,349$ 37,313$ 51,327$ 104,084$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity 5.16% 11.86% 13.33% 14.81% 14.35% 9.47% 12.16% 21.38% ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Return on average equity adjusted for non-core items: Net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 74,443$ Add: core banking system conversion revenue waived – 85 – – – – – – Less: tax effect of core banking system conversion revenue waived (a) – 30 – – – – – – Add: net loss on investment securities – – – 146 – 368 862 – Less: tax effect of net loss on investment securities (a) – – – 31 – 77 181 – Less: net gain on investment securities 729 930 2,983 – 164 – – 107 Add: tax effect of net gain on investment securities (a) 255 325 1,044 – 34 – – 22 Less: net gain on assets disposals and other transactions - - - – – – 1,325 – Add: tax effect of net gain on asset disposals and other transactions - - - – – – 278 – Add: net loss on asset disposals and other transactios 1,788 1,133 63 334 782 290 – 314 Less: tax effect on net loss on asset disposals and other transactions (a) 626 397 22 70 164 61 – 66 Add: system conversion expenses – 1,259 – – – – – – Less: tax effect on system conversion expense (a) – 441 – – – – – – Add: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: tax effect on acquisition-related expenses (a) 3,753 – 119 1,525 1,530 103 4,498 486 Add: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: tax effect on pension settlement charges (a) 161 – 85 56 – 221 30 29 Add: COVID-19 expenses – – – – – 1,332 1,248 132 Less: tax effect on COVID-19 related expenses (a) – – – – – 280 262 28 Add: other non-core charges 592 – – – 270 1,055 579 – Less: tax effect on other non-core charges (a) 207 – – – 57 222 122 – Add: contract negotiation fees – – – – – – 1,248 – Less: tax effect on contract negotiation expenses (a) – – – – – – 262 – Less: release of deferred tax asset valuation – – – 805 – – – – Less: impact of Tax Cuts and Jobs Act on deferred tax liability – – – 705 – – – – Add: impact of Tax Cuts and Jobs Act on deferred tax assets – – 897 – – – – – Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity adjusted for non-core items 4.73% 7.43% 8.40% 10.46% 10.63% 6.67% 10.15% 12.68% Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity adjusted for non-core items 7.32% 11.30% 12.38% 15.48% 15.32% 9.75% 15.80% 21.05% C:\Users\NSlatter\AppData\Local\Temp\40\nAPPENDIX NON-US GAAP MEASURES NASDAQ: PEBO 43 RETURN ON AVERAGE STOCKHOLDERS’ EQUITY ADJUSTED FOR NON-CORE ITEMS (a) Tax effect is calculated using a 21% federal statutory tax rate for the 2021, 2020, 2019 and 2018 periods and 35% federal statutory rate for all other periods shown. ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Add: amortization of other intangible assets 4,077 4,030 3,516 3,338 3,359 3,223 4,775 5,765 Less: tax effect of amortization of other intangible assets (a) 1,427 1,411 1,231 701 705 677 1,003 1,211 Net income excluding the amortization of intangible assets 13,591 33,776 40,756 48,892 56,349 37,313 51,327 104,084 Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Less: average goodwill and other intangible assets 144,013 147,981 144,696 158,115 173,529 181,526 234,683 321,043 Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Annualized net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 99,530$ Total average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity 2.69% 7.20% 8.54% 9.48% 9.48% 6.04% 7.24% 12.32% Annualized net income excluding the amortization of intangible assets 13,591$ 33,776$ 40,756$ 48,892$ 56,349$ 37,313$ 51,327$ 104,084$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity 5.16% 11.86% 13.33% 14.81% 14.35% 9.47% 12.16% 21.38% ($ in Thousands) FY-15 FY-16 FY-17 FY-18 FY-19 FY-20 FY-21 YTD-22 Return on average equity adjusted for non-core items: Net income 10,941$ 31,157$ 38,471$ 46,255$ 53,695$ 34,767$ 47,555$ 74,443$ Add: core banking system conversion revenue waived – 85 – – – – – – Less: tax effect of core banking system conversion revenue waived (a) – 30 – – – – – – Add: net loss on investment securities – – – 146 – 368 862 – Less: tax effect of net loss on investment securities (a) – – – 31 – 77 181 – Less: net gain on investment securities 729 930 2,983 – 164 – – 107 Add: tax effect of net gain on investment securities (a) 255 325 1,044 – 34 – – 22 Less: net gain on assets disposals and other transactions - - - – – – 1,325 – Add: tax effect of net gain on asset disposals and other transactions - - - – – – 278 – Add: net loss on asset disposals and other transactios 1,788 1,133 63 334 782 290 – 314 Less: tax effect on net loss on asset disposals and other transactions (a) 626 397 22 70 164 61 – 66 Add: system conversion expenses – 1,259 – – – – – – Less: tax effect on system conversion expense (a) – 441 – – – – – – Add: acquisition-related expenses 10,722 – 341 7,262 7,287 489 21,420 2,314 Less: tax effect on acquisition-related expenses (a) 3,753 – 119 1,525 1,530 103 4,498 486 Add: pension settlement charges 459 – 242 267 – 1,054 143 139 Less: tax effect on pension settlement charges (a) 161 – 85 56 – 221 30 29 Add: COVID-19 expenses – – – – – 1,332 1,248 132 Less: tax effect on COVID-19 related expenses (a) – – – – – 280 262 28 Add: other non-core charges 592 – – – 270 1,055 579 – Less: tax effect on other non-core charges (a) 207 – – – 57 222 122 – Add: contract negotiation fees – – – – – – 1,248 – Less: tax effect on contract negotiation expenses (a) – – – – – – 262 – Less: release of deferred tax asset valuation – – – 805 – – – – Less: impact of Tax Cuts and Jobs Act on deferred tax liability – – – 705 – – – – Add: impact of Tax Cuts and Jobs Act on deferred tax assets – – 897 – – – – – Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average equity 407,296 432,666 450,379 488,139 566,123 575,386 656,633 807,869 Return on average equity adjusted for non-core items 4.73% 7.43% 8.40% 10.46% 10.63% 6.67% 10.15% 12.68% Net income adjusted for non-core items 19,281$ 32,161$ 37,849$ 51,072$ 60,153$ 38,391$ 66,653$ 76,648$ Average tangible equity 263,283 284,685 305,683 330,024 392,594 393,860 421,950 486,826 Return on average tangible equity adjusted for non-core items 7.32% 11.30% 12.38% 15.48% 15.32% 9.75% 15.80% 21.05% C:\Users\NSlatter\AppData\Local\Temp\40

People Bancorp.com People Bancorp®是People Bancorp Inc.在聯邦註冊的服務標誌。三個拱形絲帶標誌是人民銀行在聯邦註冊的服務標誌。人民銀行(W/LOGO)®是人民銀行在聯邦政府註冊的服務商標。一起工作。建設成功。®是中國人民銀行在聯邦註冊的服務標誌。Chuck Sulerzyski總裁兼首席執行官740.374.6163