Peoples Bancorp (PEBO) 8-K Regulation FD Disclosure

3RD QUARTER 2019

WE WILL WORK SIDE BY SIDE TO OVERCOME CHALLENGES AND SEIZE OPPORTUNITIES. WE LISTEN AND WORK WITH YOU. TOGETHER, WE WILL BUILD AND EXECUTE THOUGHTFUL PLANS AND ACTIONS, BLENDING OUR EXPERIENCE AND EXPERTISE, TO MOVE YOU TOWARD YOUR GOALS. OUR CORE DIFFERENCE IS PROVIDING YOU PEACE OF MIND, CONFIDENCE AND CLARITY IN YOUR FINANCIAL LIFE.

1 Non-US GAAP financial measure. See Appendix. 2 Presented on an annualized basis.

0.57% 0.56% 0.49% 0.48% 0.49% 0.46% 0.46% 0.45% 0.47% 0.48%

39.16% 29.89% 28.10% 25.60% 28.72% 22.50% 19.34% 17.23% 17.40% 13.13% 13.20% 10.78%

300% IS THE LEVEL CONSIDERED HEIGHTENED CRE CONCENTRATION RISK PER SUPERVISORY GUIDANCE

100% IS THE LEVEL CONSIDERED HEIGHTENED CONSTRUCTION, LAND AND LAND DEVELOPMENT CONCENTRATION RISK PER SUPERVISORY GUIDANCE

$239 $130 $1,621 $2,072 $2,225 $2,357$2,490 $2,720

$3,357 $2,955 $2,730 $2,536 $2,519 $1,933 39% DDAs

76% 73% 72% 73% 70% 69% 64% 36% 31% 30% 28% 27% 27% 24%

(a) Tax effect is calculated using a 21% federal statutory tax rate for the 2018 periods and 35% for the 2017 period.

(a) Tax effect is calculated using a 21% federal statutory tax rate for thee 2019and2019and 20182018 periodsandperiods and 35%35% forfor thethe 20172017 period.period.

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