Investor Presentaiton

Building Upon a Proven Track Record EXECUTING UPON GROWTH STRATEGY TANGIBLE BOOK VALUE PER SHARE GROWTH 3/22/2013 $22.0M Equity Offering Assets: $789 million 4/23/2013 Acquired First Baldwin Bancshares, Inc. Assets: $965 million 12/14/2015 Acquired Mortgage Connection, LLC Assets: $1.1 billion 1/1/2017 Acquired Iberville Bank Assets: $1.8 billion $20.00 7/1/2014 Acquired BCB Holding Company, Inc. $19.00 Assets: $989 million $18.00 10/24/2016 $63.3M Equity Offering 1/1/2017 Acquired Gulf Coast $17.00 Community Bank Assets: $1.3 billion Assets: $1.8 billion $16.00 10/26/2017 3/1/2018 $15.00 $58.4M Common Stock Offering Acquired South West Banc Shares, Inc. $14.00 Assets: $1.8 billion Assets: $2.3 billion 4/1/2018 Acquired Sunshine Financial, Inc. Assets: $2.5 billion 5/1/2018 $66.0M Subordinated Debt Offering Assets: $2.5 billion $13.00 10/31/2018 Acquired FMB Banking Corporation $12.00 Assets: $3.0 billion $11.00 3/2/2019 Acquired FPB Financial Corp. Assets: $3.5 billion 10/31/2019 Today $10.00 Announced Acquisition of First Florida Bancorp Assets: $3.9 billion Announced Acquisition of SGB Assets: $4.5 billion $9.00 9/30/2013 9/30/2014 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 Note: Assets shown as of next quarter after close Note: Dates are as of transaction close, unless otherwise specified Source: S&P Global Market Intelligence SIT TheFirst 14 BANCSHARES, INC.

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