AI Earnings Predictions for Meridian Corporation (MRBK)

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Third Quarter 2026 NASDAQ: MRBK Earnings Supplement October 30, 2026

FORWARD-LOOKING STATEMENTS Meridian Corporation (the “Corporation”) may from time to  time make written or oral  “forward-looking statements” within  the meaning of  the  “safe harbor”  provisions of  the Private Securities Litigation Reform Act of  1995. These  forward-looking  statements  include statements with  respect to Meridian Corporation’s strategies, goals, beliefs, expectations, estimates,  intentions, capital raising efforts, financial condition and  results  of  operations,  future  performance  and  business.  Statements  preceded  by,  followed  by,  or  that  include  the  words  “may,”  “could,”  “should,”  “pro  forma,”  “looking  forward,”  “would,”  “believe,”  “expect,”  “anticipate,”  “estimate,”  “intend,”  “plan,”  "forecasted",  or  similar  expressions generally indicate a forward-looking statement.  These forward-looking statements involve risks and uncertainties that are subject  to  change based on  various  important  factors  (some of which,  in whole  or  in  part,  are  beyond Meridian Corporation’s  control). Numerous  competitive, economic,  regulatory,  legal and  technological  factors,  risks and uncertainties  that could cause actual  results  to differ materially  include, without limitation, credit losses and the credit risk of our commercial and consumer loan products; changes in the level of charge-offs  and changes in estimates of the adequacy of the allowance for credit  losses, or ACL,  including the timing of third-party appraisals and loan  valuations from lead financial  institutions  in which we are a  loan participant; cyber-security concerns; rapid technological developments and  changes,  including  the development  and use of  artificial  intelligence  in  business processes,  services,  and products;  increased  competitive  pressures;  changes  in  spreads  on  interest-earning  assets  and  interest-bearing  liabilities;  changes  in  general  economic  conditions  and  conditions within  the securities markets;    escalating  tariff  and other  trade policies and  the  resulting  impacts on market  volatility and global  trade; the impact of uncertain or changing political conditions or any current or future federal government shutdown and uncertainty regarding  the federal government's debt limit, geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other  governments  in response to acts or  threats of  terrorism and military conflicts,  including the ongoing conflict  in  the Middle East, which could  impact  economic  conditions  in  the United  States;  unanticipated  changes  in  our  liquidity  position;  unanticipated  changes  in  regulatory  and  governmental  policies  impacting  interest  rates  and  financial  markets;  legislation  affecting  the  financial  services  industry  as  a  whole,  and  Meridian  Corporation,  in  particular;  changes  in  accounting  policies,  practices  or  guidance;    developments  affecting  the  industry  and  the  soundness  of  financial  institutions  and  further  disruption  to  the  economy  and  U.S.  banking  system;  among  others,  could  cause Meridian  Corporation’s  financial  performance  to  differ  materially  from  the  goals,  plans,  objectives,  intentions  and  expectations  expressed  in  such  forward-looking statements. Meridian Corporation cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement  takes  into  account  the  impact  of  any  future  events.    All  forward-looking  statements  and  information  set  forth  herein  are  based  on  management’s current beliefs and assumptions as of  the date hereof and speak only as of  the date  they are made. For a more complete  discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review the Corporation’s filings with the  Securities and Exchange Commission, including our Annual Report on Form 10-K for the year ended December 31, 2025 and subsequently  filed quarterly reports on Form 10-Q and current reports on Form 8-K that update or provide information in addition to the information included  in the Form 10-K and Form 10-Q filings, if any. The Corporation does not undertake to update any forward-looking statement whether written  or  oral,  that may  be made  from  time  to  time  by  the  Corporation  or  by  or  on  behalf  of Meridian  Bank,  except  as may  be  required  under  applicable laws. Meridian Corporation 2

MRBK INVESTMENT HIGHLIGHTS Regional presence with a  community touch. "Go to" bank in the Delaware Valley Demonstrated organic  growth engine in diversified  loan segments. Focus on Commercial,  CRE and Small Business  Lending Valuable customer base  trained to solely use  electronic channel. Strong sales cu

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Second Quarter 2026 NASDAQ: MRBK Earnings Supplement July 30, 2026

FORWARD-LOOKING STATEMENTS Meridian Corporation (the “Corporation”) may from time to time make written or oral “forward-looking statements” within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with respect to Meridian Corporation’s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed by, or that include the words “may,” “could,” “should,” “pro forma,” “looking forward,” “would,” “believe,” “expect,” “anticipate,” “estimate,” “intend,” “plan,” "forecasted", or similar expressions generally indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole or in part, are beyond Meridian Corporation’s control). Numerous competitive, economic, regulatory, legal and technological factors, risks and uncertainties that could cause actual results to differ materially include, without limitation, credit losses and the credit risk of our commercial and consumer loan products; changes in the level of charge-offs and changes in estimates of the adequacy of the allowance for credit losses, or ACL, including the timing of third-party appraisals and loan valuations from lead financial institutions in which we are a loan participant; cyber-security concerns; rapid technological developments and changes, including the development and use of artificial intelligence in business processes, services, and products; increased competitive pressures; changes in spreads on interest-earning assets and interest-bearing liabilities; changes in general economic conditions and conditions within the securities markets; escalating tariff and other trade policies and the resulting impacts on market volatility and global trade; the impact of uncertain or changing political conditions or any current or future federal government shutdown and uncertainty regarding the federal government's debt limit, geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and military conflicts, including the ongoing conflict in the Middle East, which could impact economic conditions in the United States; unanticipated changes in our liquidity position; unanticipated changes in regulatory and governmental policies impacting interest rates and financial markets; legislation affecting the financial services industry as a whole, and Meridian Corporation, in particular; changes in accounting policies, practices or guidance; developments affecting the industry and the soundness of financial institutions and further disruption to the economy and U.S. banking system; among others, could cause Meridian Corporation’s financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in such forward-looking statements. Meridian Corporation cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are based on management’s current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review the Corporation’s filings with the Securities and Exchange Commission, including our Annual Report on Form 10-K for the year ended December 31, 2025 and subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. The Corporation does not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by the Corporation or by or on behalf of Meridian Bank, except as may be required under applicable laws. Meridian Corporation 2

MRBK INVESTMENT HIGHLIGHTS Regional presence with a community touch. "Go to" bank in the Delaware Valley Demonstrated organic growth engine in diversified loan segments. Focus on Commercial, CRE and Small Business Lending Valuable customer base trained to solely use electronic channel. Strong sales culture that capitalizes on market disruption. Skilled management team with extensive in-market experience. Comfortably handle all but the largest companies. Meridian Corporation 3

Geographic Footprint Regional Market Meridian Corpo

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First Quarter 2026 NASDAQ: MRBK Revised Earnings Supplement May 4, 2026

FORWARD-LOOKING STATEMENTS Meridian Corporation (the “Corporation”) may from time to time make written or oral “forward-looking statements” within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with respect to Meridian Corporation’s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed by, or that include the words “may,” “could,” “should,” “pro forma,” “looking forward,” “would,” “believe,” “expect,” “anticipate,” “estimate,” “intend,” “plan,” or similar expressions generally indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole or in part, are beyond Meridian Corporation’s control). Numerous competitive, economic, regulatory, legal and technological factors, risks and uncertainties that could cause actual results to differ materially include, without limitation, credit losses and the credit risk of our commercial and consumer loan products; changes in the level of charge-offs and changes in estimates of the adequacy of the allowance for credit losses, or ACL, including the timing of third-party appraisals and loan valuations from lead financial institutions in which we are a loan participant; cyber-security concerns; rapid technological developments and changes, including the development and use of artificial intelligence in business processes, services, and products; increased competitive pressures; changes in spreads on interest-earning assets and interest-bearing liabilities; changes in general economic conditions and conditions within the securities markets; escalating tariff and other trade policies and the resulting impacts on market volatility and global trade; the impact of uncertain or changing political conditions or any current or future federal government shutdown and uncertainty regarding the federal government's debt limit, geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and military conflicts, including the ongoing conflict in the Middle East, which could impact economic conditions in the United States; unanticipated changes in our liquidity position; unanticipated changes in regulatory and governmental policies impacting interest rates and financial markets; legislation affecting the financial services industry as a whole, and Meridian Corporation, in particular; changes in accounting policies, practices or guidance; developments affecting the industry and the soundness of financial institutions and further disruption to the economy and U.S. banking system; among others, could cause Meridian Corporation’s financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in such forward-looking statements. Meridian Corporation cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are based on management’s current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review the Corporation’s filings with the Securities and Exchange Commission, including our Annual Report on Form 10-K for the year ended December 31, 2025 and subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. The Corporation does not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by the Corporation or by or on behalf of Meridian Bank, except as may be required under applicable laws. Meridian Corporation 2

MRBK INVESTMENT HIGHLIGHTS Regional presence with a community touch. "Go to" bank in the Delaware Valley Demonstrated organic growth engine in diversified loan segments. Focus on Commercial, CRE and Small Business Lending Valuable customer base trained to solely use electronic channel. Strong sales culture that capitalizes on market disruption. Skilled management team with extensive in-market experience. Comfortably handle all but the largest companies. Meridian Corporation 3

Geographic Footprint Regional Market Meridian Corporation 4