Hampden Bancorp 8-K Regulation FD Disclosure

Investor PresentationNovember 12th, 2009

Investor PresentationNovember 12th, 2009

www.hampdenbank.com

NASDAQ: HBNK

Thomas R. Burton
President and Chief Executive
Officer

Robert A. Massey
Chief Financial Officer, Senior
Vice President and Treasurer

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Certain statements herein constitute “forward-looking statements” within the meaning of the
Private Securities Litigation Reform Act of 1995. These statements are based on the beliefs and
expectations of management, as well as the assumptions made using information currently
available to management. Because these statements reflect the views of management concerning
future events, these statements involve risks, uncertainties and assumptions. As a result, actual
results may differ from those contemplated by these statements. Forward-looking statements
can be identified by the fact that they do not relate strictly to historical or current facts. They
often include words like “believe”, “expect”, “anticipate”, “estimate”, and “intend” or future or
conditional verbs such as “will”, “would”, “should”, “could”, or “may.” Certain factors that
could have a material adverse affect on the operations of the Bank include, but are not limited
to, increased competitive pressure among financial service companies, national and regional
economic conditions, changes in interest rates, changes in consumer spending, borrowing and
savings habits, legislative and regulatory changes, adverse changes in the securities markets,
inability of key third-party providers to perform their obligations to Hampden Bank, changes
in relevant accounting principles and guidelines and our ability to successfully implement our
branch expansion strategy. Additionally, other risks and uncertainties are described in the
Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission
(the “SEC”) which is available through the SEC’s website at www.sec.gov. These risks and
uncertainties should be considered in evaluating forward-looking statements and undue
reliance should not be placed on such statements. Readers are cautioned not to place undue
reliance on these forward-looking statements, which speak only as of the date of this report. The
Company disclaims any intent or obligation to update any forward-looking statements, whether
in response to new information, future events or otherwise.

Forward-Looking Statements

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§$566 million asset savings institution established in 1852

§Strong core deposit base in demographically attractive market

§Positioned as an alternative to larger regional and local banks:

ØEmphasis on highly customized service, prompt decision-making, access to local senior management
team with broad experience in the banking industry

§January 2007: Completed conversion from a mutual bank holding company to a stock company bank
holding company

ØStrong capital base

Ø7.5% owned by Board of Directors and senior management¹

Ø7.5% owned by Hampden Bank ESOP¹

Ø5.1% owned by Hampden Bank Charitable Foundation¹

§Proactive credit risk management

§Strategy for future growth:

ØGrow branch network through strategically placed branches in and around current footprint

ØCapitalize on void created by acquisitions of local independent banks

§Focus on attracting new customers and experienced, seasoned employees alienated by larger
banks

ØLeverage current expense structure

ØPreserve and enhance conservative credit and interest rate risk profile

Bank Overview and Strategy

¹ As of August 21, 2009

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§Ranked 8th out of 21 banks in our Hampden
County market area with a 4.92% deposit market share1

ØCompetitors include both large banks and other
community banks

ØMedian household income growth

§Hampden County: 7.0%

§State of MA: 5.4%

§Nationwide: 4.1%

§A diversified mix of industry groups operate within
Hampden County

ØManufacturing, health care, higher education,
wholesale/retail trade and service

ØMajor employers: MassMutual Financial Group, Top-
Flite Golf Company, Dow Jones & Co., Baystate
Health System, Big Y Supermarkets and several area
universities and colleges

Positioned to Increase Market Share

Market Overview

¹ Deposit and market share data as of June 30, 2009

² For the 2009-2014 period; Source SNL Securities

Source: SNL Financial, ESRI

§9 branches in Hampden County

ØAverage branch size: $43 million

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Local, Experienced
Management Team

§Thomas R. Burton President and Chief Executive Officer	ü15 years with HNBK üPresident and CEO since 1994 üProfessional Experience: Managing Partner at KPMG, SEC Reviewing Partner üEducation: Western New England College, Bachelor of Science in Business Administration
§Glenn S. Welch Executive Vice President and Division Executive for Business Banking	ü11 years with HNBK üEVP since 2006; Division Executive for Business Banks since 2001 üEducation: Western New England College, Bachelor of Science in Business Finance; University of Massachusetts, Masters in Business Administration
§Robert A. Massey Chief Financial Officer, Senior Vice President and Treasurer	ü18 years with HNBK üCFO since 2008; SVP and Treasurer Since 1991 üEducation: Holyoke Community College, Associate of Science Business Administration; University of Massachusetts, Bachelors in Business Administration;
§William D. Marsh Senior Vice President and Division Executive for Retail       Banking and Financial Services	ü14 years with HBNK üSVP and Division Executive for Related Banks and Financial Services since 2001 üEducation:Hofstra University; SUNY Cortland; St. Lawrence University, Bachelors in History; Rensselaer Polytechnic Institute, Candidate for: Masters in Business Administration
§Robert J. Michel Senior Vice President and Division Executive for Retail Banking and Mortgage Lending	ü35 years with HBNK üSVP and Division Executive for Related Banks and Mortgage Lending since 1974 üEducation: Western New England College, Bachelor of Science in Business Administration

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Financial Highlights

Strong History of Growth

Total Assets ($ millions)

Gross Loans ($ millions)

CAGR¹ = 7.30%

CAGR¹ =9.91%

Deposits ($ millions)

CAGR¹ = 5.41%

Total Equity ($ millions)

CAGR¹ = 29.51%

¹ CAGR as of June 30, 2005 to September 30, 2009

Note: Hampden completed standard conversion in January 2007,raising $75 million in common equity

Source: SNL Financial

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Deposit Composition

¹ Core deposits defined as total deposits less CDs greater than $100,000

² CAGR as of June 30, 2005 to September 30, 2009

³ For three months ended September 30, 2009 annualized

Source: SNL Financial

Total Deposits:$389 million

Core Deposits¹:$274 million

Cost of Interest-Bearing Deposits³:2.02%

§$389 million of deposits in 9 branches
located along throughout Hampden
County

ØAverage branch size of $43 million

§Large core deposit¹ base

Ø$274 million or 70.5% of total deposits

§Steady deposit growth

Ø4.25-year CAGR² of 5.41%

§No brokered or other wholesale deposits

Strong Core Deposit Base

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Loan Portfolio

§Primary lending area includes Hampden,
and Hampshire, Counties in Massachusetts
as well as portions of Northern Connecticut

Ø42.5% of loan portfolio is commercial

ØOngoing opportunity to selectively expand
commercial lending given retrenchment of
competitors

§Steady loan growth

Ø4.25-year CAGR¹ of 9.91%

Total Gross Loans: $408 million

YTD Yield on Loans²:5.86%

¹ CAGR as of June 30, 2005 to September 30, 2009

² For the three months ended September 30, 2009 annualized

Source: SNL Financial

Significant Commercial Orientation

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Loan Quality

Reserves / Gross Loans

Reserves / Non-Performing Loans

Non-Performing Loans / Total Loans

Source: SNL Financial

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Composition of Non Performing Assets

Proactive Management of Credit Risk

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Investment Portfolio

Total Securities:$120 million

Yield on Securities¹:3.74%

§All portfolio is held available for sale

§Amortized cost of $119.9 million vs.
fair value of $122.0 million at
September 30, 2009

¹ For the three months ended September 30, 2009 annualized

Source: SNL Financial

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Capital

Strong Capital Ratios

Tangible Common Equity / Tangible Assets

Leverage Ratio

¹ Peers include: EBTC WFD LEGC PNBK SIFI HIFS LSBX CEBK NVSL FLFL CBNK NEBS SAL PSBH UBNK

Note: Hampden completed standard conversion in January 2007,raising $75 million in common equity

Source: SNL Financial

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Profitability

Opportunity to increase NIM through continued
commercialization of loan portfolio and growth of core deposits

Net Interest Margin (%)

¹ Peers include: EBTC WFD LEGC PNBK SIFI HIFS LSBX CEBK NVSL FLFL CBNK NEBS SAL PSBH UBNK

² For the three months ended September 30, 2009 annualized

Source: SNL Financial

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Valuation

Price Appreciation Since Conversion

Price / Tangible Book Value

¹ Peers include: EBTC WFD LEGC PNBK SIFI HIFS LSBX CEBK NVSLFLFL CBNK NEBS SAL PSBH UBNK

Stock price data at November 9, 2009; HBNK Price of $10.90

Source: SNL Financial

(14.98%)

(36.81%)

Attractive Valuation and Less Volatility Relative to Peers

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Investment Summary

§Strong core deposit base in demographically attractive market, with
growth opportunity

§Deep capital base

§Proactive risk management

§Experienced management team

§Current attractive valuation relative to peers