Investor Presentaiton

Pro Forma Loan and Deposit Concentration FBMS (1)(2) SGB Pro Forma (2) C&I 13% Non Owner- Occupied CRE 17% Farm & Agriculture Consumer & Owner- Occupied CRE 22% Other 2% 2% Multifamily 2% FBMS (1)(2) Jumbo Time Deposits 6% C&D 13% 1-4 Family 28% Retail Time Deposits 16% Demand Deposits 24% NOW Accounts Money Market 19% & Savings 35% C&I 11% Consumer & Other 1% Farm & C&D Agriculture 6% 20% Non Owner- Occupied CRE (1) Pro forma for recently completed acquisition of First Florida Bancorp, Inc. (2) Excludes purchase accounting adjustments Data as of 9/30/2019; First Florida Bancorp, Inc. and SGB data bank level as of 9/30/2019 Source: S&P Global Market Intelligence 13% Owner- Occupied CRE 17% SGB Jumbo Time Deposits 6% Retail Time Deposits 15% Money Market & Savings 44% 1-4 Family 26% Multifamily 5% Demand Deposits 31% NOW Accounts 4% C&I 13% Non Owner- Occupied CRE 16% Owner- Occupied CRE 21% Farm & Consumer & Agriculture Other 4% 2% Multifamily 3% Pro Forma (2) Jumbo Time Deposits 6% C&D 13% 1-4 Family 28% Retail Time Deposits 16% Demand Deposits 25% Money Market NOW Accounts 17% & Savings 36% ST TheFirst BANCSHARES, INC. 16

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