Investor Presentaiton

Overview of Southwest Georgia Financial Corporation GENERAL CORPORATE INFORMATION FINANCIAL HIGHLIGHTS SGB Southwest Georgia Financial Corporation SGB SOUTHWEST GEORGIA BANK Fort Gaines Blakely Current Company Snapshot (9/30/2019) Assets: $548 million Deposits: $466 million Loans: $395 million Tangible Common Equity: $48.4 million Loans/Deposits: 84.7% Albany Morgan Sylvester Alma Douglas Putney Strong Capital Ratios (9/30/2019) Tifton GA Leverage ratio: Pearson 75 Colquitt Camilla Pelham Waycross Tier 1 Capital ratio: Adel Moultrie Total RBC ratio: Homerville Barretts 8.8% 12.3% 13.1% Bainbridge Thomasville Valdosta Holding company for Southwest Georgia Bank Headquartered in Moultrie, GA Established in 1928 SGB (8) Branch network spans across Southwest Georgia in the Moultrie, Valdosta, Albany and Tifton MSAs Meaningful insider and employee ownership Board, executive management and employees own >21% of the Company 112 full-time employees Exceptional Asset Quality (9/30/2019) NPAs/Assets: 0.38% LTM Net Charge-offs/Average Loans: 0.14% Profitability (9/30/2019) LTM Core Net Income: (1) MRQ Net Interest Margin: MRQ Cost of Deposits: MRQ Core ROAA: (1) MRQ Core Efficiency Ratio: (1) Non-interest Income/Avg. Assets: Source: S&P Global Market Intelligence; Company provided documents (1) Core profitability metrics exclude extraordinary items, non-recurring items and gains/(losses) on sale of securities, non-controlling interest and amortization of intangibles goodwill impairment $4.7 million 4.08% 0.84% 0.94% 69.8% 0.74% SIT TheFirst 6 BANCSHARES, INC.

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