Connectone Bancorp, Inc. · NASDAQ:CNOB

Connectone Bancorp — Investor Presentation (September 2025)

9 slides from Connectone Bancorp's investor presentation, September 2025

  1. Slide 1: Investor Presentation

    Investor Presentation September 2025

  2. Slide 2: Forward-looking Statements

    Forward-looking Statements This presentation contains forward-looking statements that are based on ConnectOne Bancorp, Inc.’s (“ConnectOne”) assumptions and beliefs. Forward-looking statements are typically identified by words such as “believe,” “expect,” “anticipate,” “intend,” “target,” “estimate,

  3. Slide 3: ConnectOne Merger with First of Long Island

    ConnectOne Merger with First of Long Island Strategically Compelling/Financially Disciplined $13.9B  Officially launched as a unified entity, upon in assets June 30, 2025 closing of the merger on June 1, 2025  Flawless day one brand transition, and a full system conversion just two weeks later  O

  4. Slide 4: Positions ConnectOne as a Valuable Banking Franchise in the NYC-Metro Region

    Positions ConnectOne as a Valuable Banking Franchise in the NYC-Metro Region This well-aligned in-footprint expansion enhances brand presence positioning CNOB to accelerate new growth opportunities ConnectOne Legacy Branches Expanded Footprint New York Long Island New Jersey Florida 4

  5. Slide 5: Improves Deposit Composition

    Improves Deposit Composition March 31, 2025 June 30, 2025 ($MM) ($MM) Brokered Brokered $1,008 $982 Time Time 9% 13% $1,569 $2,057 20% 18% $7.8B Noninterest- $11.3B Noninterest- bearing bearing Demand Demand Nonmaturity $1,319 Nonmaturity $2,425 interest-bearing 17% interest-bearing 22% $3,898 $5,78

  6. Slide 6: Further Diversifies Loan Portfolio

    Further Diversifies Loan Portfolio March 31, 2025 June 30, 2025 ($MM) ($MM) Residential / Consumer $258 3% Residential / Consumer $1,256 11% Other CRE Other CRE Business $2,740 $3,503 Loans (1) 34% 31% $2,718 Business 33% $8.2B Loans (1) $3,061 $11.2B 28% Multifamily Multifamily $2,490 $3,348 30% 30

  7. Slide 7: Purchase Accounting Highlights

    Purchase Accounting Highlights  Total loan mark of $250 million  $207 million fair value accretable mark or 6.6% discount to $3 billion loan portfolio  Largely related to long-duration acquired residential portfolio  $43 million non-accretable mark on $270 million of PCD loans  Largely to provi

  8. Slide 8: Improved Key Metrics

    Improved Key Metrics March 31, 2025 June 30, 2025 Outcome Balance Sheet Loans / Deposits 105.6% 99.0% Improved CRE Loans (1) / Total Loans 63.7% 61.3% Improved Noninterest-bearing Deposits / Total Deposits 17.0% 21.5% Improved Brokered Deposits / Total Deposits 12.6% 8.9% Improved Asset Quality ACL

  9. Slide 9: Compelling Investment Opportunity

    Compelling Investment Opportunity Seamlessly Completed and Integrated Our 2025 Merger in Less Than 1 Month Immediately Poised For Superior Organic Growth with Deepened Reach in Attractive Markets A Well-Positioned Liability Sensitive Balance Sheet with Enhanced Composition Positioned for Significant

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