Creating Long-term Shareholder Value

November 8, 2005

Investor
Presentation

Agenda

Introduction

YNB at a glance

Strategic overview

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Challenges

Conclusion

2

Forward Looking Statements

Statements made in this presentation may contain forward-
looking statements concerning the financial condition, results of
operations and business of Yardville National Bancorp.  We
caution that such statements are subject to a number of
uncertainties and actual results could differ materially and
therefore you should not place undue reliance on any forward-
looking statements we make.  We may not update any forward-
looking statements we make today for future events or
developments.  Information about risks and uncertainties are
described in our SEC filings, which are available on our Website
or from our Investor Relations Department.

3

YNB at a glance – qualitative metrics

80-year operating history

NASDAQ listed: YANB

Largest community bank in attractive central NJ
markets

Retail deposit gathering strength

25 branches in 6 counties (and growing)

Commercial lending expertise

Ranked 115th largest C&I lender in the US

Senior management with over 100 years of financial
services experience

Success in attracting new, high-quality talent

4

YNB at a glance – financial metrics

Total shareholder return since 6/95: 518%

Market capitalization: $370 million

Total assets (9/30/05): $3.0 billion

LTM EPS: $1.93

Price/LTM EPS: 18.8x

Price/Book value: 2.28x

LTM ROAA: 0.75%

LTM ROAE: 13.1%

5

Strategic Overview

Strategic operating principles

Focus on the core; limited and tactical
product/business diversification

Maximize each customer relationship

Improve operating efficiency

Rebalance the employee “scales” toward revenue
generating positions

Continuously drive efficiency to make back-office operations
best in class

Capital update

Reviewing options to meet new OCC capital
requirements

6

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Challenges

Conclusion

7

Over the past ten years, YNB has enjoyed
over 20% annual asset growth…

8

…and over 20% net income growth

9

Most importantly, EPS has grown 9%
annually over the last ten years

Note: 2005E based on analysts’ consensus estimates for full year 2005.

10

YNB’s long-term stakeholders have been
rewarded

Initial investment

Increase in value

Ending account balance

$10,000

$51,839

$61,839

Note: Total shareholder return includes stock price appreciation and dividend payments.  518% total return
translates to 20% average annual growth.  Data from June 1995 through Sept. 2005.

11

Summary Year to Date Financial Results

12

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Challenges

Conclusion

13

New Jersey

Philadelphia

New York City

Existing branch locations

Corporate headquarters
and branch

Regional headquarters
and branch

Planned branch locations

YNB is strategically located in the New York
City / Philadelphia corridor

45 miles

65 miles

14

YNB markets have very favorable
demographics

Median household income over $70,000

70% higher than the national average

Population density: 5 million people

12 times denser than national average

Market deposits average $58 million per branch

Exceeds the national average

$76 billion deposit opportunity

With significant opportunity for community bank penetration

15

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Challenges

Conclusion

16

YNB creates long-term value by focusing on
its core strengths

Traditional Core

Banking Business

17

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Commercial lending

Retail deposits

Challenges

Conclusion

18

YNB has a unique ability to generate quality
commercial loan assets

19

YNB’s emphasis on commercial lending leads
to higher overall loan yields

Notes: Source is SNL Financial.

20

Even with higher yields, YNB has been able
to keep NPA’s in line

Notes: Source is SNL Financial: US banks $1-10B in assets as of 9/30/05.

21

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Commercial lending

Retail deposits

Challenges

Conclusion

22

Expanding YNB’s retail franchise is a primary
goal

1.

Expanding the retail footprint

2.

New brand image campaign

“Banking on a more personal level”

3.

Introduction of new products and services

“Simply Better” suite of products

Improved Internet banking capabilities

Longer branch hours

23

1990: 4 branches in Hamilton, NJ

24

2005: 25 branches in 6 counties

25

Future: 14 additional Board approved
locations

26

A brand image campaign has been a critical
component of the retail effort

27

Core deposit growth has been strong

28

Average “same store” growth has been
excellent at all but 3 branches…

Average YNB
branch has
added $10
million in
deposits per
year

Notes: Growth in reported deposits from 6/30/2000 to 6/30/2004.

Source: SNL Financial and FDIC.

29

Overall, the deposit growth has come from
both share gains and market growth

Notes: Growth in reported deposits from 6/30/2000 to 6/30/2004. Market defined as 1 mile radius from branch location.

Source: SNL Financial and FDIC.

30

YNB is reducing its reliance on expensive
wholesale and CD funding

31

Which is driving down the difference in
deposit cost with the competition

Notes: National average based on banks $1-10 billion in assets. Source: SNL Financial.

32

YNB has great customer loyalty compared to
other banks and other industries

Notes: Net promoter data was available on a limited universe of banking institutions. Data from 2003.

Sources: Research from Frederick F. Reichheld and Satmetrix Systems; data from 2005 YNB Net Promoter Survey.

33

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Challenges

Conclusion

34

The operating environment has gotten
tougher

35

Agenda

Introduction

Why invest in YNB?

Growth company generating superior shareholder returns

Expanding in excellent markets

Demand for relationship-based business model

Challenges

Conclusion

36

The YNB long-term value proposition is
simple and compelling

1.

A long-term growth story

Have done it for the past 10 years

Footprint and customer expansion will continue for many years

2.

Expanding presence in highly attractive central NJ
markets

Strongest community banking franchise in central NJ

3.

A superior business model

Focus on core strengths

Commercial lending

Retail deposit gathering

Decentralized, local operating model

37

Appendix

Detailed Financial Results

Detailed Demographic Information

38