Investor Presentaiton

Improving Our Diversification 2009 Loans by State 2015 Loans by State Mississippi 100% Alabama 23% Mississippi 70% 2009 Deposits by State 2015 Deposits by State Mississippi 100% Louisiana 7% Alabama 23% Louisiana 4% Mississippi 73% (1) Pro forma for recently completed acquisition of First Florida Bancorp, Inc. and announced acquisition of SGB (2) Excludes purchase accounting adjustments Note: 2009 and 2015 data as of 6/30 Source: S&P Global Market Intelligence; Company provided documents 9/30/2019 Loans by State (1)(2) Florida 23% Georgia 16% Louisiana 17% Alabama 15% Mississippi 29% 9/30/2019 Deposits by State (1)(2) Florida 26% Georgia 14% Louisiana 16% Alabama 18% Mississippi 26% ST TheFirst BANCSHARES, INC. 7

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