FirstBank Growth and Efficiency

Snapshot of FB Financial today Company overview Second largest Nashville-headquartered bank and third largest Tennessee-based bank ■ Originally chartered in 1906, one of the longest continually operated banks in Tennessee Completed the largest bank IPO in Tennessee history in September 2016 Mr. James W. Ayers is a current ~44% owner of FB Financial following recent secondary offering Attractive footprint in both high growth metropolitan markets and stable community markets Located in six attractive metropolitan markets in Tennessee & Alabama Strong market position in twelve community markets Mortgage offices located throughout footprint and strategically across the southeast Provides the personalized, relationship-based service of a community bank with the products and capabilities of a larger bank Local people, local knowledge and local authority Personal banking, commercial banking, investment services, trust and mortgage banking FB FirstBank Current organizational structure FB Financial Corporation 100% stockholder of FirstBank Financial highlights Total assets Loans - HFI Total deposits FB FirstBank Balance sheet data ($mm) 6/30/2018 $4,923 3,416 3,910 631 1H 2018 1.85%1 19.1%1 Shareholder's equity Key metrics - (%) Pro forma adjusted ROAA (%) Adjusted ROATCE (%) NIM (%) Core Efficiency (%) Tangible Common Equity/Tangible Assets (%) Note: Unaudited financial data as of June 30, 2018 4.73% 63.7%¹ 10.1%1 1 Non-GAAP financial measure. See "Use of non-GAAP financial measures" and "Reconciliation of non-GAAP financial measures" in the Appendix hereto. 5

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