ConnectOne Bancorp, Inc. (NASDAQ:CNOB) Q1 2021 Earnings Conference Call April 29, 2021 10:00 AM ET Company Participants Siya Vansia - Chief Brand & Innovation Officer Frank Sorrentino - Chairman & Chief Executive Officer Bill Burns - Executive Vice President & Chief Financial Officer Conference Call Participants Amar Krishnamurti - Raymond James Michael Perito - KBW David Bishop - Seaport Global Securities Zachary Westerlind - Stephens Inc Frank Schiraldi - Piper Sandler Operator Greetings, and welcome to t ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the Fiscal Year Ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the Transition Period from to Commission File Number: 000-11486 ConnectOne Bancorp, Inc. (Exact name of registrant as specified in its charter) New Jersey 52-1273725 (Sta ...

Financial Data and Key Metrics Changes - The company reported a record pretax net revenue exceeding 2% as a percentage of assets for the second consecutive quarter [11] - The efficiency ratio improved to under 40%, a key metric the company has focused on [11] - The return on assets (ROA) was 1.35% and return on tangible common equity exceeded 15% [26] - Tangible book value per share increased to approximately $17.50, a nearly 10% increase from $16 a year ago [27] Business Line Data and Key Metrics Changes - Loan origination, excluding PPP, showed growth, particularly in the latter part of the quarter due to increased demand from organizations [12] - Credit losses and delinquencies remained low, with deferrals declining approximately $210 million or 3.5% of total loans [12][30] - The reserve for loan losses as a percentage of the total loan portfolio, excluding PPP, strengthened to 1.36%, nearly double from a year ago [31] Market Data and Key Metrics Changes - The company noted strong performance in the construction portfolio and among builders and developers, particularly in suburban markets [55] - The multifamily space is expected to see flat or slightly increasing loan balances as a percentage of the portfolio [59] Company Strategy and Development Direction - The company is focused on organic growth, expecting high single-digit to possibly double-digit growth rates in the latter part of 2021 [43] - There is a commitment to continue investing in technology and digital enhancements to remain competitive in the evolving banking landscape [18][21] - The company plans to utilize share buybacks and higher dividends as part of its capital management strategy [27][15] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the operating environment improving in 2021, leading to opportunities for growth and favorable lending spreads [14] - The company is well-positioned for organic growth and potential M&A, with a strong capital base [14][27] - Management acknowledged the challenges faced in 2020 but highlighted the resilience and adaptability of the team [10][42] Other Important Information - The Board of Directors declared a $0.09 per share quarterly common dividend, with expectations for a potential increase in the future [16] - The company has made key management appointments to strengthen its leadership team, including the promotion of Elizabeth Magennis to President [22][23] Q&A Session Summary Question: How does the company view PPP 2.0 compared to the first round? - Management indicated that they have a better understanding of the process this time and expect it to be less stressful for clients [46][47] Question: What is the outlook for loan growth, particularly in the multifamily space? - Management expressed optimism for loan growth in 2021, citing a strong pipeline and improving economic conditions [55][58] Question: How does the company view the potential for M&A in the current environment? - Management noted an increase in M&A conversations across the industry, indicating a more active 2021 for potential acquisitions [70][71]

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 000-11486 CONNECTONE BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter) New ...

ConnectOne Bancorp, Inc. (NASDAQ:CNOB) Q3 2020 Earnings Conference Call October 29, 2020 9:30 AM ET Company Participants Siya Vansia - VP, Marketing Frank Sorrentino - Chairman & CEO Bill Burns - EVP & CFO Conference Call Participants Collyn Gilbert - KBW Matt Breese - Stephens Inc. Operator Greetings and welcome to the ConnectOne Bancorp Incorporated Third Quarter 2020 Earnings call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal present ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 000-11486 CONNECTONE BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter) New Jerse ...

ConnectOne Bancorp, Inc. (NASDAQ:CNOB) Q2 2020 Earnings Conference Call July 30, 2020 10:00 AM ET Company Participants Siya Vansia - Vice President Marketing Frank Sorrentino - Chairman & Chief Executive Officer Bill Burns - Executive Vice President & Chief Financial Officer Conference Call Participants Matthew Breese - Piper Jaffray Chris O'Connell - KBW Operator Good day. And welcome to the ConnectOne Bancorp Inc. Second Quarter 2020 Earnings Conference Call. All participants will be in listen-only mode. ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 000-11486 CONNECTONE BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter) New Jers ...

ConnectOne Bancorp, Inc. (NASDAQ:CNOB) Q1 2020 Results Conference Call April 30, 2020 10:00 AM ET Company Participants Joe Calabrese - MWW PR Frank Sorrentino - Chairman and Chief Executive Officer Bill Burns - Executive Vice President and Chief Financial Officer Conference Call Participants William Wallace - Raymond James Collyn Gilbert - KBW Matthew Breese - Stephens Operator Thank you for standing by. This is the conference operator. Welcome to ConnectOne first-quarter 2020 conference call. As a reminder ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the Fiscal Year Ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the Transition Period from to Commission File Number: 000-11486 ConnectOne Bancorp, Inc. (Exact name of registrant as specified in its charter) New Jersey 52-1273725 (Sta ...