FirstBank Growth and Efficiency

Attractive footprint with balance between stable community markets and high growth metropolitan markets Our current footprint¹ Jackson MSA Memphis MSA Nashville MSA Knoxville MSA Chattanooga MSA Huntsville MSA Market rank by deposits: Nashville (13th) Chattanooga (7th) Jackson (3rd) Memphis (23rd) Knoxville (10th) ■Huntsville (19th) Total loans (excluding HFS) 2-$3.4bn Total full service branches²-56 branches Total deposits² - $3.9bn Community 36% Other 13% Community 22% Community 43% Metropolitan 65% Metropolitan 57% Mortgage / Other 10% Metropolitan markets Community markets Metropolitan 54% 1 Source: SNL Financial. Statistics are based upon county data. Market data is as of June 30, 2017 and is presented on a pro forma basis for completed acquisitions since June 30, 2017 and pending acquisitions as of July 18, 2018. Size of bubble represents size of company deposits in a given market. 2 Financial and operational data as of June 30, 2018. FB FirstBank 7

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