FirstBank Growth and Efficiency

M&A Strategy1 Bowling MISSOURI Green Glasgow Clarksville MISSISSIPPI MISSISSIPPI Atlanta Birmingham Tuscaloosa LABAM GEORGIA Kingsport Johnson City Asheville Greenville SOUTH CAROLINA Key NORTH CAROLINA Expansion Markets Current FBK Markets Drive Times Tuscaloosa: Nashville 3.5 hours Huntsville ~2 hours Birmingham: Nashville >3 hours Huntsville -1.5 hours Atlanta: Nashville -3.5 hours Chattanooga <2 hours Greenville: Nashville -5 hours Knoxville <3 hours Asheville: Nashville ~4 hours Knoxville 2 hours Consolidation strategy across existing and contiguous markets ■ Actively evaluate desirable opportunities in current and expansion markets, highlighted above Financially attractive (EPS accretion, minimal TBV dilution) Cultural and strategic fit Consolidate across Tennessee as attractive opportunities arise Potential Targets in Current Footprint: - 19 banks headquartered in TN between $400 million and $750 million in assets 10 banks between $750 million and $1 billion Maintain positive, ongoing dialogue with targets to position ourselves as an option when they are ready to create a partnership Potential Targets in Highlighted Markets: 30 banks headquartered in highlighted MSAs $400 million - $3 billion in assets, 8 of which are greater than $1 billion 15 additional banks in Community markets $400 million - $3 billion, 4 of which are greater than $1 billion ■ Existing FirstBank Mortgage offices in Tuscaloosa, Birmingham, Atlanta and Greenville MSAs 10 banks $1 billion to $3 billion in assets 1 See Forward-Looking statements on slide 1. FB FirstBank 18

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