INVESTOR PRESENTATION I 2nd QUARTER

WORKING TOGETHER. BUILDING SUCCESS.

WORKING

TOGETHER BUILDING

SUCCESS

TABLE OF

CONTENTS

PAGE 4

PROFILE,

INVESTMENT RATIONALE, CULTURE & STRATEGY

PAGE 11

CREDIT, CAPITAL & LIQUIDITY

PAGE 23

Q2 2023

FINANCIAL INSIGHTS

PAGE 35

Q2 2023 APPENDIX

2

SAFE HARBOR STATEMENT

Statements in this presentation which are not historical are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These forward-looking statements may include discussions of the strategic plans and objectives or anticipated future performance and events of Peoples Bancorp Inc. ("Peoples").

The information contained in this presentation should be read in conjunction with Peoples' Annual Report on Form 10-K for the fiscal year ended December 31, 2022 (the "2022 Form 10-K"), and the Quarterly Report on Form 10-Q for the quarter ended June 30, 2023, each of which is available on the Securities and Exchange Commission's ("SEC") website (sec.gov) or at Peoples' website (peoplesbancorp.com).

Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in the 2022 Form 10-K under the section, "Risk Factors" in Part I, Item 1A. As such, actual results could differ materially from those contemplated by forward-looking statements made in this presentation. Management believes that the expectations in these forward-looking statements are based upon reasonable assumptions within the bounds of management's knowledge of Peoples' business and operations. Peoples disclaims any responsibility to update these forward-looking statements to reflect events or circumstances after the date of this presentation.

3

PROFILE, INVESTMENT RATIONALE, CULTURE & STRATEGY

4

PEBO

GEOGRAPHIC PROFILE

NASDAQ: PEBO

PEOPLES BANK GEOGRAPHIC FOOTPRINT

CURRENT PEBO FOOTPRINT

COUNTIES WHERE PEBO HAS TOP 3 MARKET SHARE*

CLEVELAND

COUNTIES WHERE PEBO HAS OVER $100 MILLION OF

OH

DEPOSITS AND IS NOT IN TOP 3 MARKET SHARE*

COLUMBUS

MARIETTA

CINCINNATI

CHARLESTON

LOUISVILLE

HUNTINGTON

LEXINGTON

KY

PEBO SNAPSHOT AS OF JUNE 30, 2023

Loans: $6.0 billion

Assets: $8.8 billion

Deposits: $7.0 billion

Market Cap: $939 million

Assets Under Admin/Mgmt: $3.3 billion

MD

WV DC

VA RICHMOND

* According to FDIC annual summary of deposits as of June 2022.

WORKING TOGETHER. BUILDINGSUCCESS.® 5

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Peoples Bancorp Inc. published this content on 25 July 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 07 August 2023 21:04:56 UTC.