Colonial Financial Services 8-K Regulation FD Disclosure

Exhibit 99

CFS COLONIAL FINANCIAL SERVICES, INC.   Annual Meeting   August 18, 2011

CFS COLONIAL FINANCIAL SERVICES, INC.   Forward Looking Statements   This presentation contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include, but are not limited to:    statements of our goals, intentions and expectations;    statements regarding our business plans, prospects, growth and operating strategies; statements regarding the asset quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits.   These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.   The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:    general economic conditions, either nationally or in our market areas, that are worse than expected; competition among depository and other financial institutions;    inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments; adverse changes in the securities markets; changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements; our ability to enter new markets successfully and capitalize on growth opportunities; our ability to successfully integrate acquired entities, if any; changes in consumer spending, borrowing and savings habits; changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board the Securities and Exchange Commission and the Public Company Accounting Oversight Board; changes in our organization, compensation and benefit plans; and changes in the financial condition or future prospects of issuers of securities that we own.   Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward looking statements. 2

Company Overview

CFS COLONIAL FINANCIAL SERVICES, INC.   Company Profile     Colonial Bank, FSB, founded in 1913, is a federally chartered savings bank headquartered in Vineland, New Jersey     Reorganized from a mutual institution to a two-tier mutual holding company structure in 2003 and completed minority stock offering in 2005     On July 13, 2010, Colonial Financial Services, Inc. completed its second step conversion raising $23.0 million in gross proceeds     Primary business activity is origination of one-to-four-family residential and commercial real estate loans     Additional business activities include:   • Origination of home equity loans and lines of credit, commercial business loans, construction and land loans, multi-family real estate loans and consumer loans   • Investment in mortgage backed securities and other securities     At June 30, 2011 Colonial had total assets of $601.2 million, total deposits of $515.5 million and stockholders equity of $71.8 million 4

CFS COLONIAL FINANCIAL SERVICES, INC.   Franchise Overview   Main Office   2745 South Delsea Drive Vineland, NJ   Branch Offices   Vineland: Mantua:   1771 South Lincoln Avenue 227 Bridgeton Pike 125 West Landis Avenue Millville: 1107 North High Street   Bridgeton: Sewell:   85 West Broad Street 271 Lambs Road   Cedarville: Upper Deerfield:   339 Main Street 1245 Highway 77 5

CFS COLONIAL FINANCIAL SERVICES, INC.   Market Area Overview     Colonial Savings Bank operates 8 full-service branch offices in Gloucester and Cumberland counties in New Jersey     Located in close proximity to several major urban centers   • Philadelphia, Pennsylvania   • Atlantic City, New Jersey   • Wilmington, Delaware     As suburban communities to these urban centers, the market area has displayed stability in the recent environment and the outlook remains strong   • Median household income growth is expected to exceed both the state of New Jersey and the nation as a whole     Broad range of employers.  Key industries include:   • Federal, state and local governments • Higher education   • Healthcare • Agriculture   • Retail • Food processing Source:  SNL Financial 6

CFS COLONIAL FINANCIAL SERVICES, INC.   Deposit Market Share   Cumberland, NJ   2010 Total     2010 Total     2010      Deposits in     Market        2010      Number of  Market        Share          Rank Institution (ST) Type Branches  ($000) (% )   1 Sun Bancorp Inc. (NJ) Bank 5 584,371 22.89   2 Colonial Financial Services (NJ) Thrift 7 422,729 16.56   3 Susquehanna Bancshares Inc. (PA) Bank 6 414,716 16.24   4 Toronto-Dominion Bank Bank 5 264,111 10.34   5 Bank of America Corp. (NC) Bank 5 175,876 6.89   6 Newfield Bancorp Inc. (NJ) Bank HC 4 156,679 6.14   7 Capital Bank of New Jersey (NJ) Comm'l Bank 2 149,099 5.84   8 Century Bancorp MHC (NJ) Bank HC 3 133,345 5.22   9 Millville S&L Assn. (NJ) Savings Inst 2 116,297 4.55   10 Fulton Financial Corp. (PA) Bank 1 62,137 2.43   Total For Institutions In Market 43 2,553,332   Gloucester, NJ   2010 Total     2010 Total     2010      Deposits in     Market        2010      Number of  Market        Share          Rank Institution (ST) Type Branches  ($000) (% )   1 Toronto-Dominion Bank Bank 11 1,241,025 26.33   2 Fulton Financial Corp. (PA) Bank 13 750,226 15.92   3 Wells Fargo & Co. (CA) Bank 7 464,339 9.85   4 Parke Bancorp Inc. (NJ) Bank 2 343,710 7.29   5 Gateway Community Finl (NJ) Thrift HC 4 320,004 6.79   6 Newfield Bancorp Inc. (NJ) Bank HC 7 256,382 5.44   7 Bank of America Corp. (NC) Bank 6 204,553 4.34   8 PNC Financial Services Group (PA) Bank 6 172,632 3.66   9 Susquehanna Bancshares Inc. (PA) Bank 4 160,329 3.40   10 Hudson City Bancorp Inc. (NJ) Thrift 1 132,108 2.80   12 Colonial Financial Services (NJ) Thrift 2 95,426 2.02 Total For Institutions In Market 83 4,713,024 Source:  SNL Financial 7

CFS COLONIAL FINANCIAL SERVICES, INC.   Business Strategy    Implement a controlled growth strategy to prudently increase profitability and enhance shareholder value    Maintain strong asset quality through conservative underwriting and aggressive monitoring of assets    Emphasize lower cost core deposits    Manage interest rate risk and reduce the exposure of our net interest income to changes in market interest rates    Expand franchise through selective de novo branching    Capitalize on existing infrastructure and management’s knowledge of the local banking environment 8

Financial Highlights

CFS COLONIAL FINANCIAL SERVICES, INC.   Loan Portfolio Growth     After Colonial’s 2005 IPO, through a focus on loan generation and investment in personnel and infrastructure, Colonial rapidly grew its loan portfolio   Dollars in Millions $350 $312.8   AG R   $300 % C   15   $250   $200   Total Gross Loans $150 $133.4 $100   $50   $0 10  

CFS COLONIAL FINANCIAL SERVICES, INC.   Loan Portfolio Composition     Over the past several years, Colonial has focused on bolstering its commercial portfolio     Recent growth in the commercial portfolio has slowed as Colonial aims to capitalize on this growth and improve profitability   Composition at June 30, 2011 CRE and Commercial Portfolio   Dollars in thousands   1-4 Family $160,000 44.1% $140,000   $23,253 $120,000 $24,185   Construction   1.1% $17,864   Consumer $100,000   0.4% $17,177 $80,000   Multifamily Home Equity   1.0% $60,000 $12,600   10.8% $114,242 $109,274 $97,075 $40,000 $7,337 $81,983 $55,606 $20,000 $39,186   Commercial 7.7% $0   CRE 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 6/30/11 YTD   34.9%   Commerical CRE 11  

CFS COLONIAL FINANCIAL SERVICES, INC. Asset Quality Trends    Colonial has steadily increased loan loss reserves over the past several quarters, while maintaining low levels of net charge-offs   NPAs/Assets   2.00% 1.86%   1.71%   1.50%   1.00% 0.93%   0.50% 0.38%   0.25% 0.06%   0.00%   12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 6/30/11 YTD   12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 6/30/11 YTD   NCOs/Avg. Loans (0.01%) 0.03% 0.02% 0.04% 0.12% 0.08% Reserves / Loans 0.69% 0.57% 0.69% 0.80% 1.09% 1.31% NPLs/ Loans 0.12% 0.48% 0.62% 1.63% 3.31% 2.92% Texas Ratio 0.61% 2.88% 4.72% 10.97% 15.07% 13.51% Texas ratio defined as (NPAs + loans 90 days past due) / (tangible equity + loan loss reserve) 12  

CFS COLONIAL FINANCIAL SERVICES, INC. Improving Deposit Base     Colonial has grown core deposits, reduced reliance on borrowings, and decreased its cost of funding     Since 2006 non-time deposits have grown 22% on a CAGR basis   Total $337,254 $371,382 $457,231 $500,366 $512,836 $515,527 Deposits   100%   80% 41% 44%   47%   59%   67% 69% 60%   40%   56% 59%   53%   20% 41%   33% 31%   0%   12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 6/30/11 YTD   Time Deposits Non-Time Deposits Dollars in thousands 13    

CFS COLONIAL FINANCIAL SERVICES, INC. Consistent Profitability     While other financial institutions struggled, Colonial remained profitable throughout the economic downturn   Dollars in thousands   $1,400 1.00% 0.87% 0.90% $1,200 0.75% 0.80% 0.67% $1,000 0.70% $1,244 0.55% 0.60% ROAA   Net Income $800 $1,106   0.39% 0.50% 0.39% $600 0.32% $947 $815 0.33% 0.40% 0.26% 0.32% 0.28% 0.22% 0.24% $582 $400 $573 0.30% 0.15% 0.20% $200 $387 $462 $370 $443 $304 $330 0.10% $284 $205   $0 0.00%   Net Income ROAA 14  

CFS COLONIAL FINANCIAL SERVICES, INC.   Track Record of Improving Shareholder Fundamentals   Tangible Book Value Per Share   $20.00   Second Step  $16.57 $17.15 Offering 7/13/10 $16.00   $12.00 $10.25 $8.77 $9.18 $8.27 $8.00   $4.00   12/31/2006 12/31/2007 12/31/2008 12/31/2009 12/31/2010 6/30/2011 YTD   Earnings Per Share   $1.25   Second Step  $0.97 $1.00 Offering 7/13/10 $0.75   $0.50 $0.37 $0.34 $0.35 $0.29 $0.31 $0.25   $0.00   12/31/2006 12/31/2007 12/31/2008 12/31/2009 12/31/2010 6/30/2011 YTD 15

  Market Statistics  

CFS COLONIAL FINANCIAL SERVICES, INC.   COBK Stock Price Performance   Since IPO – June 30, 2005   1.50   1.40 COBK Price on 8/9/11 -   1.30   $12.00   1.20   +6.4% 1.10   1.00   -1.6% 0.90   0.80   Relative Change  0.70 0.60   -48.9% 0.50   0.40   0.30   06/30/05 02/17/06 10/06/06 05/30/07 01/16/08 12/31/08 08/20/09 04/12/10 11/26/10 07/18/11   COBK NASDAQ Bank S&P 500   Data as of August 9, 2011 Source: SNL Financial 17  

CFS COLONIAL FINANCIAL SERVICES, INC.   COBK vs. Public Thrifts   COBK Mid-Atlantic Thrifts NJ Thrifts Price  $12.00 Price/Book 71.3% 77.5% 82.3% Price/Tang Book 71.3% 83.7% 83.7%   * Multiples represent the median value for Mid-Atlantic Thrifts and NJ Thrifts. Thrift Peers exclude COBK.   As of August 9, 2011 Source: SNL Financial 18  

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