NASDAQ: CFB | October 20th, 2020

FORWARD-LOOKING STATEMENTS. The financial results in this presentation reflect preliminary, unaudited results, which are not final until the Company’s Quarterly Report on Form 10-Q is filed. This presentation and oral statements made during this meeting contain forward-looking statements. These forward- looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may," "might," "should," "could," "predict," "potential," "believe," "expect," "continue," "will," "anticipate," "seek," "estimate," "intend," "plan," "strive," "projection," "goal," "target," "outlook," "aim," "would," "annualized" and "outlook," or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, estimates and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following: risks relating to the COVID-19 pandemic; risks related to general business and economic conditions and any regulatory responses to such conditions; our ability to effectively execute our growth strategy and manage our growth, including identifying and consummating suitable mergers and acquisitions; the geographic concentration of our markets; fluctuation of the fair value of our investment securities due to factors outside our control; our ability to successfully manage our credit risk and the sufficiency of our allowance; regulatory restrictions on our ability to grow due to our concentration in commercial real estate lending; our ability to attract, hire and retain qualified management personnel; interest rate fluctuations; our ability to raise or maintain sufficient capital; competition from banks, credit unions and other financial services providers; the effectiveness of our risk management framework in mitigating risks and losses; our ability to maintain effective internal control over financial reporting; our ability to keep pace with technological changes; system failures and interruptions, cyber-attacks and security breaches; employee error, fraudulent activity by employees or clients and inaccurate or incomplete information about our clients and counterparties; our ability to maintain our reputation; costs and effects of litigation, investigations or similar matters; risk exposure from transactions with financial counterparties; severe weather, acts of god, acts of war or terrorism; compliance with governmental and regulatory requirements; changes in the laws, rules, regulations, interpretations or policies relating to financial institutions, accounting, tax, trade, monetary and fiscal matters; compliance with requirements associated with being a public company; level of coverage of our business by securities analysts; and future equity issuances. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward- looking statement, whether as a result of new information, future developments or otherwise, except as required by law. NON-GAAP FINANCIAL INFORMATION. This presentation contains certain non-GAAP measures. These non-GAAP measures, as calculated by CrossFirst, are not necessarily comparable to similarly titled measures reported by other companies. Additionally, these non-GAAP measures are not measures of financial performance or liquidity under GAAP and should not be considered alternatives to the Company's other financial information determined under GAAP. See reconciliations of certain non-GAAP measures included at the end of this presentation. MARKET AND INDUSTRY DATA. This presentation references certain market, industry and demographic data, forecasts and other statistical information. We have obtained this data, forecasts and information from various independent, third party industry sources and publications. Nothing in the data, forecasts or information used or derived from third party sources should be construed as advice. Some data and other information are also based on our good faith estimates, which are derived from our review of industry publications and surveys and independent sources. We believe that these sources and estimates are reliable but have not independently verified them. Statements as to our market position are based on market data currently available to us. Although we are not aware of any misstatements regarding the economic, employment, industry and other market data presented herein, these estimates involve inherent risks and uncertainties and are based on assumptions that are subject to change. 2

Mike Maddox – President, CEO and Director of CrossFirst Other Senior Executives • Joined CrossFirst in 2008 after serving as Kansas City regional president for Intrust Bank • Practicing lawyer for more than six years before joining Intrust Bank Aisha Reynolds • Graduate School of Banking at the University of Wisconsin – Madison General Counsel of CrossFirst and • Appointed to CEO June 1, 2020 after 12 years of service CrossFirst Bank 13+ years of experience Joined CrossFirst in 2018 David O’Toole – CFO, Chief Investment Officer and Director of CrossFirst Steve Peterson Chief Banking Officer of CrossFirst • More than 40 years of experience in banking, accounting, valuation and investment banking 21+ years of experience • Founding shareholder and director of CrossFirst Bank and became CFO in 2008 Joined CrossFirst in 2011 • Co-founder and managing partner of a national bank consulting and accounting firm • Served on numerous boards of directors of banks and private companies, including the Continental Airlines, Inc. travel agency advisory board George Jones Vice Chairman of CrossFirst 40+ years of experience Randy Rapp – Chief Credit Officer of CrossFirst Bank Joined CrossFirst in 2016 • More than 30 years of experience in banking, primarily as a credit analyst, commercial relationship manager and credit officer Tom Robinson • Joined CrossFirst in April 2019 after serving as Executive Vice President and Chief Credit Officer of Chief Risk Officer of CrossFirst Texas Capital Bank, National Association from May 2015 until March 2019 35+ years of banking experience • Mr. Rapp joined Texas Capital Bank in 2000 Joined CrossFirst in 2011 Matt Needham – Managing Director of Strategy and Investor Relations of CrossFirst Amy Fauss Chief Operating Officer of CrossFirst Bank • More than 15 years experience in banking, strategy, accounting and investment banking, five with 28+ years of banking experience CrossFirst Joined CrossFirst in 2009 • Deep experience in capital markets including valuation, mergers, acquisitions and divestitures • Provided assurance and advisory services with Ernst & Young • Former Deputy Bank Commissioner in Kansas and has served on several bank boards • MBA Wake Forest University, obtained CFA designation and CPA, Graduate School of Banking at the University of Colorado 3

• $5.5 billion(1) asset banking operation founded in 2007 • Branch-lite structure operating 8 branches in key markets (2) along the I-35 corridor (1) (1) • 3rd largest bank headquartered in the Kansas City MSA (1) (1) • High-growth commercial banking franchise with 332 full time equivalent employees(1) (1) (1) • High quality people, strong culture & relationship-oriented business model • Serving businesses, business owners, professionals and their personal networks • Core focus on improving profitability & operating (Number of Locations) efficiency Financial Performance For Nine Months Ended 9/30/20 (2) Balance Sheet Performance (Year-to-Date) Asset Quality Metrics Assets: $5,506 ROAA: 0.11% NPAs / Assets: 1.49% Gross Loans:( 3) $4,478 ROACE: 0.98% NCOs / Avg. Loans:( 4) 0.84% Deposits: $4,493 Efficiency Ratio: 59.44% Reserves / Loans: 1.70% CET 1 Capital: 11.95% NIM(FTE):( 4) 3.13% Reserves / NPLs: 95% Total Risk-Based Capital: 13.23% Net Income: $4.5 Classified Loans / Capital + ALLL 43.2% (1) As of September 30, 2020. (2) Dollars are in millions. 4 (3) Net of unearned income (4) YTD Interim Periods Annualized

✓ Reported Q3 2020 net income of $8.0 million with lower levels of provision compared to each quarter in the first half of 2020 ✓ Pre-tax, pre-provision net income year-to-date of $51.3 million, an increase of Financial 14% from the same period in 2019 Performance ✓ Achieved an efficiency ratio of 53% for the third quarter of 2020 and a non-GAAP core efficiency ratio of 52% after adjusting for nonrecurring or non-core items ✓ Book value per share of $11.84 at September 30, 2020, compared to $11.59 at September 30, 2019 ✓ $5.5 billion of assets; 18% increase over the last twelve months ✓ Grew loans by $64 million from the previous quarter and $854 million or 23% Balance over the last twelve months, including $369 million in PPP loans Sheet ✓ Grew deposits by $188 million from the previous quarter and $834 million or 23% over the last twelve months ✓ Significant decrease in modified loans ✓ Optimized staffing levels Strategic ✓ Opened Frisco, TX location and relocated Kansas City, MO location to a more prominent office space Initiatives ✓ Board of Directors approved a $20 million program to repurchase shares of CrossFirst Bankshares common stock 5

1. Comprehensive COVID-19 response plan to support our clients, employees, and communities 2. Strong capital position and liquidity provides CrossFirst with financial flexibility to give customers relief and continue to invest for the long term in the business 3. Closely monitoring and engaging clients to mitigate risks and impact from COVID-19 especially customer modifications & energy portfolio; modifications declined 55% in third quarter 2020 compared to second quarter 2020 4. Branch-lite business model and technology strategy provides CrossFirst an advantage for strong business continuity through the pandemic 5. Continued prudent management of expenses, staffing levels, and other discretionary spend; optimized staffing levels in third quarter 2020 6. Strong reserve build of total loan loss reserves / loans of 1.70% including an additional quarterly provision of $10.9 million 7. Stress testing of capital and credit scenarios show CrossFirst as well capitalized under several extreme scenarios 8. Return to work planning remains flexible with safety of employees, clients and other stakeholders as the highest priority 9. Positioned for long term growth 6 6

Commentary SBA / PPP Applications Forgiveness Existing Customers New Customers Totals Requests • CFB is a strong supporter of # of Applications 891 303 1,194 64 local businesses and Approved communities we serve $ Loans Funded (1) $290 $79 $369 $49 • Weighted average fee rate of approximately 2.7% Loans Approved by Industry • Management is working to (Based on $ Funded) PPP Loan Stratification expedite the forgiveness Other Services & Construction Business Support 10% $ % process of the PPP loans 17% Medical/ Healthcare PPP # of Loans SBA Anticipated Hotel & 16% Loans of Loans Held(1) Fee $ Fees(1) • Anticipate roughly half of the Restaurant 12% fees to be recognized in 2020 < $150,000 771 $35 5% $1.7 and the remainder in the first Professional half of 2021 Other Small Businesses Services 26% 19% $150,000 - 189 $44 5% $2.2 • Recognized $3.2 million of $350,000 fees year-to-date Loans Approved by Market (Based on $ Funded) Dallas $350,000 - 12% Kansas 197 $153 3% $4.6 City $2,000,000 53% Wichita 17% $2,000,000+ 37 $137 1% $1.4 Tulsa & Energy 11% Oklahoma City 7% Total 1,194 $369 $9.9 Note: Information as of Sept 30, 2020 7 (1) Dollars in millions

Commentary Yield on Loans and Cost of Total Deposits Q3 2020 net interest margin 6% 5.64% ▪ 5.34% 5.52% decreased 21 basis points to 2.98% 5.01% 4.89% 4.62% 4.60% largely due to the interest rate 4.36% environment, low PPP loan yields, 4% and a large C&I loan moving to nonaccrual as it was being 1.89% 1.96% restructured 2% 1.44% 0.88% 0.91% 0.87% 0.99% 0.96% ▪ Company continued to shorten the duration of deposits and move 0% deposit costs down to capture 2014 2015 2016 2017 2018 2019 YTD 2019 YTD 2020 economics associated with FOMC Yield on Loans Cost of Total Deposits rate cuts Net Interest Margin – Fully Tax Equivalent ▪ Loan to deposit ratio decreased from 102.5 in Q2 2020 to 99.7 in Q3 4% 2020 3.40% 3.40% 3.39% 3.27% 3.31% 3.35% 3.24% 3.13% ▪ Company executed a deleveraging 3% transaction with FHLB borrowing and will consider more in Q4 2020 2% 1% 0% 2014 2015 2016 2017 2018 2019 YTD YTD 2019 2020 8

Investment Portfolio Breakout as of September 30, 2020(1) Q3 2020 Commentary ▪ At the end of Q3 2020, the portfolio’s duration was approximately 4.2 years and the Municipal - fully taxable equivalent (FTE) yield MBS (Fixed) Tax- Exempt 19.4% 67.1% for Q3 2020 declined to 2.93% Total: ~$652 (1) ▪ $11 million of bonds were sold million due to COVID-19 credit risk review, netting $1 million in realized profits CMO (Fixed) 11.2% ▪ The marketable securities Other Municipal - Taxable 0.5% portfolio has unrealized gains of 1.8% approximately $34 million as of September 30, 2020 Average Yield on Securities – Fully Tax Equivalent 5% ▪ Portfolio primarily comprised of 3.85% low risk, investment grade 4% 3.69% 3.72% 3.63% 3.62% securities 3.35% 3.40% 3.08% 3% 2% 1% 0% 2014 2015 2016 2017 2018 2019 YTD 2019 YTD 2020 9 (1) Based on approximate fair value.

Operating Revenue(1) Commentary $180 YTD ‘19 – YTD ‘20 ▪ Historically, our balance sheet $150.2 Growth: 15.1% growth, combined with a $160 $140 $127.5 relatively stable net interest $116.5 margin, has enabled robust $120 $110.8 $100 operating revenue growth $78.5 $80 $57.5 $60 $44.6 ▪ Core earnings power of the $40 $33.0 Company continues to increase $20 $0 ▪ Pretax, pre-provision profit(2) continues to grow and includes a non-cash charge of $7.4 million for goodwill impairment in Q2 2020; Record $20.4 Earnings Performance million in Q3 2020 $70 $62.5 ▪ Year-to-date net income $60 $51.3 improved after lower $50 $45.0 provisioning in Q3 2020 $40 $30.7 $28.5 $29.2 $30 $16.9 $19.6 $20 $14.1 $16.4 $10.3 $8.4 $7.5 $10 $4.1 $5.8 $4.5 $0 (2) Note: Dollars in charts are in millions. Net Income Pretax, Pre-Provision Profit (1) Defined as net-interest income + non-interest income. (2) Represents a Non-GAAP financial measure, see Non-GAAP reconciliation slides at the end of the presentation for more detail. In 10 addition, pre-tax net profits may also be found presented in the supplemental information

Slowing Non-interest Expense Growth $100 $100 $86 $88 $90 $90 $76 $80 $80 $7 $66 $70 $70 $62 $9 $9 $60 $60 $4 $5 $2 $3 $50 $50 $41 $8 $9 $40 $40 $31 $30 $30 $20 $43 $43 $20 $10 $10 $- $- 2015 2016 2017 2018 2019 YTD 2019 YTD 2020 Salaries & Benefits Occupancy Exp. & Professional Fees FDIC Premiums Data Processing, Software & Comm. Advertising & Other Exp. Goodwill Impairment Assets per Employee FTE Lowering Expenses $50.0 2.50% 800 $16.6 $18.0 2.21% $45.0 700 $13.8 $16.0 $40.0 1.82% 1.81% 1.80% 2.00% $14.0 1.67% 600 $11.6 $35.0 $31.0 $10.8 $10.5 $12.0 500 $9.7 $30.0 1.50% $10.0 $25.0 $21.9 $22.2 $23.0 400 353 357 332 $21.2 305 $8.0 $20.0 1.00% 300 203 $6.0 $15.0 200 146 $4.0 $10.0 0.50% 100 $2.0 $5.0 0 $0.0 $0.0 0.00% 2015 2016 2017 2018 2019 Q3 2020 Q3 2019 Q4 2019 Q1 2020 Q2 2020(1) Q3 2020 Employees Assets/Employee(FTE) Non-interest Expense Non-interest expense / Average Assets 11 Dollars are in millions and amounts shown are as of the end of the period. YTD is as of 9/30/20; interim periods are annualized (1) Includes $7.4mm Goodwill Impairment.

Commentary Return on Average Assets / Non-GAAP ROAA(1) ▪ CrossFirst’s branch-lite model is 1.00% 0.89% 0.86% efficient and scalable 0.90% ▪ Core efficiency performance is 0.80% 0.70% 0.63% trending down consistent with 0.56% 0.56% 0.60% 0.53% management’s initiatives 0.50% 0.41% ▪ $7.4 million goodwill impairment in Q2 0.40% 0.30% 0.24% 2020 impacted YTD ROAA and 0.30% Efficiency Ratios 0.20% 0.11% 0.10% ▪ Quarterly ROAA significantly impacted 0.00% 2014 2015 2016 2017 2018 2019 YTD 2019 Non-GAAP YTD YTD 2020 Non-GAAP YTD by COVID-19 with provisioning in 2020 2019 2020 (1) Pre-tax, pre-provision ROAA improving Efficiency Ratio / Non-GAAP Core Efficiency Ratio (FTE)(1) despite inflated balance sheet 100% from $369MM PPP loans 90% 79.10% 80% 74.68% 73.64% 2.00% 68.48% 70.64% 1.53% 70% 1.44% 1.46% 1.48% 58.37% 59.36% 58.16% 59.44% 1.50% 60% 53.14% 0.89% 0.94% 50% 1.00% 0.58% 40% 0.50% 0.31% 30% 0.00% 20% (0.06%) 10% -0.50% (0.54%) 0% 2014 2015 2016 2017 2018 2019 YTD 2019 Non-GAAP YTD YTD 2020 Non-GAAP YTD -1.00% Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 2019 2020 (1) ROAA PTPP ROAA 12 (1) Represents a non-GAAP financial measure, see non-GAAP reconciliation slides in the supplemental information for more detail

Nonperforming Assets / Assets Commentary on NPA’s 2.0% ▪ Increase in NPAs for the quarter primarily from migration of one 1.49% Energy credit and one C&I credit 1.5% temporarily moved due to restructuring 0.97% 0.97% 1.0% ▪ 60% of the nonperforming asset 0.74% balance at Q3 2020 relates to 0.59% Energy and the C&I credit being 0.5% 0.43% restructured 0.27% 0.20% 0.18% 0.08% 0.0% 2014 2015 2016 2017 2018 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Commentary on Charge-Offs ▪ $6.0 million in net charge-offs for Q3 2020 from C&I loans Net Charge-Offs / Average Loans(1) ▪ $1.3 million in net charge-offs for Q2 2.1% 2.00% 2020; includes a $1 million charge- 1.8% off to an Energy loan ▪ $19.4 million in net charge-offs for 1.5% Q1 2020, mostly attributed to the 1.2% $17.9 million previously disclosed NPA 0.9% 0.58% 0.54% ▪ In Q4 2019, $5.5 million of net 0.6% 0.44% charge-offs, included a $5 million 0.31% partial charge-off of the previously 0.3% 0.11% 0.07% 0.12% disclosed loan 0.02% 0.04% 0.0% 2014 2015 2016 2017 2018 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 13 (1) Ratio is annualized.

Loan Modifications by Type (As of June 30, 2020) Migration of Credit by Risk Weighting (in $millions) $5,000 16% $4,493 $4,500 $4,429 $237 $300 $4,011 $177 37% $4,000 $3,862 $105 $170 Loan $87 $3,476 $3,639 $79 Modifications: $3,500 $85 $48 $88 $48 $709 million $57 24% $3,000 $2,500 6% $2,000 $4,022 $4,016 17% $3,827 $3,506 $3,727 $1,500 $3,331 Interest Only - 90 Days Interest Only - 90+ Days Payment Deferral - 90+ Days Payment Deferral - 90 Days $1,000 Other $500 Loan Modifications by Type $0 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 (As of September 30, 2020) % Substandard & Doubtful 3% 2% 2% 3% 5% 7% 26% Pass Special Mention Substandard & Doubtful 33% Loan ~89% of modifications remained in Pass risk rating Modifications: ➢ $318 million ➢ Portfolio increase from Pass to Special Mention and Substandard & 10% Doubtful Risk Weightings primarily due to Energy and C&I 10% 21% 14 Interest Only - 90 Days Interest Only - 90+ Days Payment Deferral - 90+ Days Payment Deferral - 90 Days 14 Other

(in $ millions) $709 First Modifications $133 Second Modifications $318 Loan Deferrals Remain as of June 30, 2020 During Q3 2020 as of Sept 30, 2020 Focus Industries - $456 Focus Industries - $98 Focus Industries - $192 Hotel CRE $114 Hotel CRE $54 Hotel CRE $96 Recreation C&I $80 Recreation C&I $14 Recreation C&I $21 Retail CRE $77 Retail CRE $0 Retail CRE $1 Health Care C&I $53 Health Care C&I $0 Health Care C&I $0 Restaurant C&I $34 Restaurant C&I $9 Restaurant C&I $12 Medical & Sr. Living CRE $41 Medical & Sr. Living CRE $19 Medical & Sr. Living CRE $19 Energy $30 Energy $2 Energy $35* Office CRE $27 Office CRE $0 Office CRE $8 Other $253 Other $35 Other $126 $0 $200 $400 $0 $200 $400 First Modification$0 Second$200 Modification $400 Gross Loan Portfolio Gross Loan Portfolio Remaining Loan Deferrals as of June 30, 2020 as of Sept 30, 2020 as of Sept 30, 2020 First Modification First Second Unmodified 5% First Modification Unmodified Modification Loans Loans Modification 17% *42% 83% 92% Second 58% Modification 3% 15 Note: Identified at-risk industries in supplemental materials and gross loan values exclude PPP loans * Energy portfolio experienced a $3 million increase in first modifications in Q2 2020 15

Recent Credit Quality Allowance for Loan Losses / Total Loans Classified Loans / (Total Capital + LLR) & ALL Trends 1.70% $90 1.61% $400 100.0% ▪ Increase in classified assets primarily 95.0% 1.48% $76.0 90.0% from Energy portfolio and one C&I $80 $350 $71.2 85.0% 1.29% 80.0% loan $70 $299.9 1.18% $300 75.0% 70.0% ▪ Energy portfolio reserves increased $60 $56.9 $51.5 $250 $237.1 65.0% 0.6% to 5.1% at end of Q3 2020 60.0% compared to Q2 2020 $50 $43.0 55.0% $200 50.0% $40 43.2% 45.0% ▪ Provision for loan loss of $10.9 million 40.0% $150 for Q3 2020; 1.84% ALLL / Loans, $30 34.9% 35.0% $104.5 30.0% $85.2 $86.9 excluding PPP loans $100 25.0% $20 20.0% 15.8% 15.0% ▪ The Company has not adopted CECL $50 13.2% 13.2% $10 10.0% at this time and continues to run 5.0% 0.0% parallel scenarios to assess impact on $0 0.00% $0 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q3 Q4 Q1 Q2 Q3 the ALLL and capital 2019 2019 2020 2020 2020 Capital Ratios 20% Capital Analysis 12.93% 12.22% 12.10% 12.01% 11.97% ▪ The Company continues to remain 15% 13.90% 12.91% 13.43% 13.17% 13.27% 13.23% well capitalized with strong liquidity 12.20% 12.08% 11.99% 11.95% ▪ Unfunded commitments totaled $1.4 10% billion as of the end of Q3 2020, 45% of which are commitments to fund C&I loans and 39% to commercial 5% construction loans 0% Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Common Equity Tier 1 Tier 1 Risk Based Total Risk-Based Capital Dollar amounts are in millions. 16

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Industry Total Exposure (1) % of Gross Loans(1) Energy Oil (excludes Natural Gas) $246 6.0% Retail Commercial Real Estate $187 4.5% Hotel & Lodging $171 4.1% Healthcare C&I $112 2.7% Entertainment & Recreation(2) $106 2.6% Restaurant(3) $76 1.8% Industry categories selected based on the following criteria: • Increased volatility from higher oil inventory, lower oil consumption, and geopolitical risks • Implementation of travel, entertainment, and restaurant restrictions • Cancellation of all events and large gatherings • Cessation of revenue due to business being considered “nonessential” (1) Loan values recorded on balance sheet in millions as of September 30, 2020; excludes PPP loans (2) Includes Native American Gaming, Parking Lots and Garages (3) Restaurant information includes both C&I and CRE exposure 18

Energy Portfolio Dynamics Energy by Composition 9/30/2020 ($ in millions) # % Unfunded Average Avg % ▪ Typically only lend as a senior secured Outstanding Loans Total Commitments Size Hedged(1) lender in single bank transactions and as a cash flow lender Oil 40 $246 64% $5 $6 39% Natural ▪ Exploration & Production lending only 14 $138 36% $9 $10 50% on proven and producing reserves Gas Other 3 $0 0% $35 $0 0% ▪ CrossFirst typically does not lend to Sources shale, oil field services, or midstream energy companies Total 57 $384 100% $49 $7 43% (1) ▪ Collateral base is predominately comprised of properties with sufficient production history to establish reliable Energy Loans by Risk Rating ($ in millions) production trends; long-life assets $450.00 39% of the Oil portfolio is hedged for $409 ▪ $7 $399 $390 $384 the next 12 months at $48.25 / $400.00 $9 $15 $13 barrel(1) $350.00 $108 $300.00 $138 ▪ 50% of the Natural Gas portfolio is $250.00 $72 $59 hedged for the next 12 months at $200.00 $393 $371 $2.33 / MMBtu(1) $150.00 $100.00 $210 $187 $50.00 $0.00 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Pass Special Mention Substandard & Doubtful $19.5 million of Reserves are allocated to Energy, representing 5.1% of the total energy portfolio Data as of 9/30/20 (1) Weighted Average 19

Loan Mix by Type ($4.4bn) (1) C&I Loan Breakdown by Type ($1.3bn) Motor Vehicle & Professional & Parts Dealers Technical Services 4% 4% Credit Owner Occupied Engineering & Related Financial Real Estate Other Contracting Restaurants SBA PPP Activities Aircraft Management 6% 1% 6% 5% 8% 4% 5% 3% Residential Real Commercial & Misc. Financial Estate Industrial Rental & Leasing Vehicles 8% 29% Services 2% Energy 3% 9% Education Security Services 2% 5% Other Business Loans to 18% Construction & Individuals Land 7% Development Manufacturing 8% 13% Commercial Real Recreation Health Care Estate 7% Real Estate 9% 26% Activity 8% CRE Loan Portfolio by Segment ($1.7bn)(2) CRE Loans by Geography ($1.7bn)(2) TX Retail 45% 11% Multi-Family Office 12% 23% KS Land Industrial 11% Development (excludes Self- 3% Storage) Self Storage 10% 3% Remaining C-Store States OK 2% 1-4 Family Res 13% 12% Medical Construction WA FL MO 3% Other Senior Living Hotel 9% 2% AZ CO 2% 8% 3% 7% 10% 2% 5% Raw Land 4% Note: Data as of September 30, 2020. 20 (1) Shown as a percentage of loan portfolio, net of unearned income (2) CRE as defined by regulators (including construction and development)

Gross Loans (Net of Unearned Income) Commentary ▪ Historically, loan growth has been $5,000 $4,478 primarily organic and very strong $3,852 $4,000 $3,630 ▪ Loan growth, excluding PPP loans, $3,061 was 1.6% compared to the previous $3,000 quarter $1,996 $2,000 $1,297 ▪ Diversification remains a core tenet $993 $1,000 $785 ▪ Loan yields have trended downward due to the declining rate $0 environment and been impacted 2014 2015 2016 2017 2018 2019 Q3 2019 Q3 2020 from credit challenges ▪ Purchased loan participations totaled $105 million and a combination of Gross Loans by Type shared national credits and $4,700 $4,429 $4,493 Q3 2020 Gross Loan Composition $4,011 syndications purchased totaled $346 $4,200 $3,862 $369 $369 $43 $46 $47 million as of September 30, 2020 $3,639 $45 $3,700 $618 $44 $399 $504 $536 Residential $365 Real Estate Consumer $3,200 Construction & ▪ Generally, we only buy portions $628 $625 $662 $588 14% 1% $528 Land of syndicated loans with $2,700 Development Commercial & borrowers with whom we could 13% $2,200 $993 $1,024 $1,085 $1,141 $1,196 Industrial lead the next lending 29% opportunity $1,700 $396 $409 $399 $390 $384 $1,200 SBA/ ▪ Loan participations sold of PPP $700 $1,313 $1,357 $1,355 $298 million and $165 million $1,285 $1,291 8% Energy $200 9% of syndications sold as of Commercial Real September 30, 2020 -$300 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Estate 26% Loan 5.53% 5.21% 4.98% 4.28% 3.90% Yield Commercial & Industrial Energy Commercial Real Estate Construction & Land Development Residential Real Estate Consumer SBA/ PPP 21 Dollars in charts are in millions. Amounts shown are as of the end of the period.

ALLL / 1.84% Gross Loans 1.48% Adjustments to ALLL (excludes PPP) $80 $3 $0 $76 $1 $1 $5 $70 $10 $4 $60 $57 $18 $0 $3 $15 $50 $3 $8 -$24 $40 $7 $16 $20 -$1 $30 -$2 $20 $36 $28 $10 $0 Dec-19 Net Charge-Offs C&I Energy CRE Construction & Residential RE Consumer Sep-20 Land Commercial & Industrial Energy Commercial Real Estate Construction & Land Development Residential Real Estate Consumer & Line of Credit 22 Note: As of end of period Dollars in millions

Commentary Total Deposits $5,000 $4,493 ▪ CrossFirst has generated $4,500 $3,924 significant growth in core $4,000 $3,658 deposits and maintained $3,500 $3,208 $3,000 wholesale funding to support $2,303 the PPP and securities portfolio $2,500 $2,000 $1,694 $1,295 $1,500 ▪ Company continued to shorten $962 time deposit portfolio which $1,000 typically lags in a declining rate $500 environment $0 2014 2015 2016 2017 2018 2019 Q3 2019 Q3 2020 ▪ Growth continues to come from higher yielding money market Deposit Mix by Type accounts $5,000 $4,493 $4,500 $4,304 Q3 2020 Deposit Composition ▪ Linked quarter increase in $3,973 $4,000 $3,924 $750 transaction deposits due to $3,658 $745 $3,500 $710 $724 $391 utilization of insured cash $753 $416 Time Deposits Time Deposits sweep product $3,000 $530 $379 < $100,000 ≥ $100,000 $469 9% 17% $2,500 $2,090 $1,994 $2,000 $1,765 $1,903 DDA $1,500 $1,776 17% $1,000 $508 $538 $399 $259 Savings $500 $146 $514 $522 $567 $750 $754 & MMA $0 46% Transaction Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Deposits Cost of 11% 1.94% 1.70% 1.46% 0.79% 0.67% Deposits Non-interest bearing deposits Transaction Deposits Savings & MMA Time Deposits < $100,000 Time Deposits ≥ $100,000 23 Dollars are in millions and amounts shown are as of the end of the period.

As of Year or for the Year Ended As of or for the Nine Months Ended (Dollars thousands, except per share data) December 31, September 30, 2015 2016 2017 2018 2019 2019 2020 Income Statement Data Interest income $54,116 $69,069 $97,816 $156,880 $216,218 $161,038 $153,914 Interest expense 11,849 15,016 22,998 46,512 74,774 56,773 35,202 Net interest income 42,267 54,053 74,818 110,368 141,444 104,265 118,712 Provision for loan losses 5,975 6,500 12,000 13,500 29,900 10,550 45,825 Non-interest income 2,365 3,407 3,679 6,083 8,715 6,529 8,792 Non-interest expense 30,562 40,587 62,089 85,755 87,648 65,763 76,244 Income before taxes 8,095 10,373 4,408 17,196 32,611 34,481 5,435 Income tax expense (benefit) 626 62 (1,441) (2,394) 4,138 5,308 928 Net income 7,469 10,311 5,849 19,590 28,473 29,173 4,507 Preferred stock dividends 2,066 2,100 2,100 2,100 175 175 0 Net income available to common stockholders 5,403 8,211 3,749 17,490 28,298 28,998 4,507 Non-GAAP core operating income(1) 7,469 10,311 9,716 19,940 27,427 28,127 11,904 Balance Sheet Data Cash and cash equivalents $79,418 $155,972 $130,820 $216,541 $187,320 $128,126 $223,636 Available-for-sale securities 460,542 593,012 703,581 663,678 741,634 733,093 652,146 Gross loans (net of unearned income) 992,726 1,296,886 1,996,029 3,060,747 3,852,244 3,629,792 4,477,809 Allowance for loan losses (15,526) (20,786) (26,091) (37,826) (56,896) (42,995) (76,035) Goodwill and other intangibles 8,100 7,998 7,897 7,796 7,694 7,720 227 Total assets 1,574,346 2,133,106 2,961,118 4,107,215 4,931,233 4,651,313 5,505,696 Non-interest-bearing deposits 123,430 198,088 290,906 484,284 521,826 513,832 754,172 Total deposits 1,294,812 1,694,301 2,303,364 3,208,097 3,923,759 3,658,108 4,492,549 Borrowings and repurchase agreements 112,430 216,709 357,837 388,391 373,664 357,614 349,631 Trust preferred securities, net of fair value adj. 792 819 850 884 921 912 952 Preferred Stock, liquidation value 30,000 30,000 30,000 30,000 0 0 0 Total Stockholders' Equity 160,004 214,837 287,147 490,336 601,644 602,435 617,883 Tangible Stockholders' Equity(1) 121,904 176,839 249,250 452,540 593,950 594,715 617,656 Share and Per Share Data: Basic earnings per share $0.29 $0.39 $0.12 $0.48 $0.59 $0.63 $0.09 Diluted earnings per share 0.28 0.39 0.12 0.47 0.58 0.61 0.09 Book value per share 6.61 7.34 8.38 10.21 11.58 11.59 11.84 Tangible book value per share(1) 6.20 7.02 8.12 10.04 11.43 11.44 11.83 Wtd. avg. common shares out. - basic 18,640,678 20,820,784 30,086,530 36,422,612 47,679,184 46,239,021 52,104,372 Wtd. avg. common shares out. - diluted 19,378,290 21,305,874 30,963,424 37,492,567 48,576,135 47,081,727 52,567,591 Shares outstanding at end of period 19,661,718 25,194,872 30,686,256 45,074,322 51,969,203 51,969,203 52,195,778 Historic share counts and per share figures reflect 2:1 stock split effected on 12/21/18. 24 (1) Represents a non-GAAP financial measure. See Non-GAAP Reconciliation slides at the end of this presentation for additional detail.

As of Year or for the Year Ended As of or for the Nine Months Ended December 31, September 30, 2015 2016 2017 2018 2019 2019 2020 Selected Ratios: Return on average assets 0.53% 0.56% 0.24% 0.56% 0.63% 0.89% 0.11% Non-GAAP core operating return on average assets(1) 0.53 0.56 0.40 0.57 0.61 0.86 0.30 Return on average common equity 4.60 5.51 1.53 5.34 5.38 7.76 0.98 Non-GAAP core operating return on average common 4.60 5.51 3.11 5.45 5.18 7.89 0.99 equity(1) Yield on earning assets - tax equivalent(2) 4.14 4.08 4.37 4.77 5.04 5.14 4.05 Yield on securities - tax equivalent(2) 3.72 3.63 3.85 3.62 3.35 3.40 3.08 Yield on loans 4.62 4.60 4.89 5.34 5.52 5.64 4.36 Cost of interest-bearing deposits 1.01 0.96 1.12 1.71 2.21 2.30 1.14 Cost of funds 0.94 0.91 1.06 1.49 1,90 1.96 1.01 Cost of total deposits 0.91 0.87 0.99 1.44 1.89 1.96 0.96 Net interest margin - tax equivalent(2) 3.27 3.24 3.40 3.39 3.31 3.35 3.13 Non-interest expense to average assets 2.17 2.21 2.53 2.45 1.95 2.00 1.92 Efficiency ratio(3) 68.48 70.64 79.10 73.64 58.37 59.36 59.44 Non-GAAP core operating efficiency ratio FTE(1)(3) 64.66 66.04 72.33 67.68 57.25 58.16 53.14 Non-interest-bearing deposits to total deposits 9.53 11.69 12.63 15.10 13.30 14.05 16.79 Loans to deposits 76.67 76.54 86.66 95.41 98.18 99.23 99.67 Credit Quality Ratios: Allowance for loans losses to total loans 1.56% 1.60% 1.30% 1.23% 1.48% 1.18% 1.70% Non-performing assets to total assets 0.08 0.20 0.18 0.43 0.97 1.00 1.49 Non-performing loans to total loans 0.12 0.33 0.27 0.58 1.15 1.22 1.78 Allowance for loans losses to non-performing loans 1,336.38 493.14 481.68 212.30 128.54 97.12 95.18 Net charge-offs to average loans 0.04 0.11 0.44 0.07 0.31 0.21 0.84 Capital Ratios: Total stockholders' equity to total assets 10.16% 10.07% 9.70% 11.94% 12.20% 12.95% 11.22% Common equity tier 1 capital ratio 8.50 9.78 8.62 11.75 12.20 12.91 11.95 Tier 1 risk-based capital ratio 10.70 11.38 9.70 12.53 12.22 12.93 11.97 Total risk-based capital ratio 11.82 12.51 10.65 13.51 13.43 13.90 13.23 Tier 1 leverage ratio 9.72 10.48 9.71 12.43 12.06 12.57 10.85 (1) Represents a non-GAAP financial measure. See Non-GAAP Reconciliation slides at the end of this presentation or press release for additional detail. (2) Tax-exempt income is calculated on a tax equivalent basis. Tax-exempt income includes municipal securities, which is exempt from federal taxation. A tax rate of 21% is used for fiscal year 2018 and after and a tax rate of 35% is used for fiscal years 2017 and prior. (3) Efficiency ratio is non-interest expense divided by the sum of net interest income and non-interest income. 25

CrossFirst Bankshares, Inc Quarterly Financials As of or for the Three Months Ended (Dollars thousands, except per share data) 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Income Statement Data Interest income $55,529 $55,180 $54,208 $51,254 $48,452 Interest expense 19,743 18,001 15,980 10,097 9,125 Net interest income 35,786 37,179 38,228 41,157 39,327 Provision for loan losses 4,850 19,350 13,950 21,000 10,875 Non-interest income 3,212 2,186 2,095 2,634 4,063 Non-interest expense 21,172 21,885 22,223 31,010 23,011 Income before taxes 12,976 (1,870) 4,150 (8,219) 9,504 Income tax expense (benefit) 2,592 (1,170) 293 (863) 1,498 Net income 10,384 (700) 3,857 (7,356) 8,006 Preferred stock dividends 0 0 0 0 0 Net income available to common stockholders 10,384 (700) 3,857 (7,356) 8,006 Non-GAAP core operating income(1) 10,384 (700) 3,857 41 8,006 Balance Sheet Data Cash and cash equivalents $128,126 $187,320 $158,987 $194,371 $223,636 Securities 733,093 741,634 735,231 700,083 652,146 Gross loans (net of unearned income) 3,629,792 3,852,244 4,002,451 4,413,224 4,477,809 Allowance for loan losses (42,995) (56,896) (51,458) (71,185) (76,035) Goodwill and intangibles 7,720 7,694 7,669 247 227 Total assets 4,651,313 4,931,233 5,067,407 5,462,254 5,505,696 Non-interest bearing deposits 513,832 521,826 567,215 750,333 754,172 Total deposits 3,658,108 3,923,759 3,972,822 4,304,143 4,492,549 Borrowings and repurchase agreements 357,614 373,664 441,626 500,498 349,631 Trust preferred securities, net of fair value adj. 912 921 931 942 952 Preferred Stock 0 0 0 0 0 Stockholders' Equity 602,435 601,644 611,946 608,092 617,883 Tangible Stockholders' Equity(1) 594,715 593,950 604,277 607,845 617,656 Share and Per Share Data: Basic earnings per common share $0.22 ($0.01) $0.07 $ (0.14) $ 0.15 Dilutive earnings per common share 0.21 (0.01) 0.07 (0.14) $ 0.15 Book value per common share 11.59 11.58 11.75 11.66 11.84 Tangible book value per common share(1) $11.44 $11.43 $11.60 $11.65 $11.83 Wtd. avg. common shares out. - basic 48,351,553 51,952,712 52,071,484 52,104,994 52,136,286 Wtd. avg. common shares out. - diluted 49,164,549 52,748,312 52,660,270 52,493,177 52,560,126 Shares outstanding at end of period 51,969,203 51,969,203 52,098,062 52,167,573 52,195,778 (1) Represents a non-GAAP financial measure. See Non-GAAP Reconciliation slides at the end of this presentation for additional detail. 26

CrossFirst Bankshares, Inc Quarterly Financials As of or for the Three Months Ended 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Selected Ratios: - - Return on average assets(1) 0.89% (0.06%) 0.31% (0.54%) 0.58% - - Non-GAAP core operating return on average assets(1)(2) 0.89 (0.06) 0.31 - 0.58% Return on average common equity 7.58 - (0.46) - 2.53 (4.84) 5.19 Yield on earning assets 4.94 - 4.71 - 4.52 3.91 3.61 - - Yield on earning assets - tax equivalent(3) 5.00 4.76 4.57 3.96 3.66 Yield on securities 2.85 - 2.86 - 2.85 2.70 2.55 - - Yield on securities - tax equivalent(3) 3.19 3.22 3.21 3.07 2.93 Yield on loans 5.53 - 5.21 - 4.98 4.28 3.90 Costs of interest bearing liabilities 2.24 - 1.96 - 1.70 1.01 0.88 Cost of interest-bearing deposits 2.26 - 1.97 - 1.69 0.95 0.80 Cost of funds 1.94 - 1.71 - 1.49 0.85 0.75 Cost of Deposits 1.94 - 1.70 - 1.46 0.79 0.67 Cost of other borrowings 1.95 - 1.86 - 1.72 1.35 1.50 - - Net interest margin - tax equivalent(3) 3.24 3.23 3.24 3.19 2.98 Noninterest expense to average assets 1.82 - 1.81 - 1.80 2.21 1.67 - - Efficiency ratio(4) 54.29 55.60 55.11 70.81 53.03 - - Non-GAAP core operating efficiency ratio (FTE) (2)(4) 53.43 54.66 54.18 53.09 52.23 Noninterest bearing deposits to total deposits 14.05 - 13.30 - 14.28 17.43 16.79 Loans to deposits 99.23 - 98.18 - 100.75 102.53 99.67 Credit Quality Ratios: Allowance for loans losses to total loans 1.18% 1.48% 1.29% 1.61% 1.70% Nonperforming assets to total assets 1.00 0.97 0.59 0.74 1.49 Nonperforming loans to total loans 1.22 1.15 0.66 0.86 1.78 Allowance for loans losses to nonperforming loans 97.12 128.54 195.99 188.55 95.18 Net charge-offs to average loans(1) 0.53 0.58 2.00 0.12 0.54 Capital Ratios: Total stockholders' equity to total assets 12.95% - 12.20% - 12.08% 11.13% 11.22% Common equity tier 1 capital ratio 12.91 - 12.20 - 12.08 11.99 11.95 Tier 1 risk-based capital ratio 12.93 - 12.22 - 12.10 12.01 11.97 Total risk-based capital ratio 13.90 - 13.43 - 13.17 13.27 13.23 Tier 1 leverage ratio 12.57 - 12.06 - 11.81 10.75 10.85 (1) Interim periods are annualized (2) Represents a non-GAAP financial measure. See Non-GAAP Reconciliation slides at the end of this presentation for additional detail. 27 (3) Tax-exempt income is calculated on a tax equivalent basis. Tax-exempt income includes municipal securities, which is exempt from federal taxation. A tax rate of 21% is used for 2018, 2019 & 2020. (4) Efficiency ratio is non-interest expense divided by the sum of net interest income and non-interest income

As of or for the Year Ended As of or for the Nine Months Ended (Dollars in thousands) December 31, September 30, 2015 2016 2017 2018 2019 2019 2020 Non-GAAP Core Operating Income: Net Income $7,469 $10,311 $5,849 $19,590 $28,473 $29,173 $4,507 Add: restructuring charges 0 0 0 4,733 0 0 0 Less: Tax effect(1) 0 0 0 1,381 0 0 0 Restructuring charges, net of tax 0 0 0 3,352 0 0 0 Add: fixed asset impairments 0 0 1,903 171 424 424 0 Less: Tax effect(2) 0 0 737 44 109 109 0 Fixed asset impairments, net of tax 0 0 1,166 127 315 315 0 Add: Goodwill impairment(3) 0 0 0 0 0 0 7,397 Add: State tax credit(3) 0 0 0 (3,129) (1,361) (1,361) 0 Add: 2017 Tax Cut and Jobs Act(3) 0 0 2,701 0 0 0 0 Non-GAAP core operating income $7,469 $10,311 $9,716 $19,940 $27,427 $28,127 $11,904 Non-GAAP Core Operating Return on Average Assets: Net Income $7,469 $10,311 $5,849 $19,590 $28,473 $29,173 $4,507 Non-GAAP core operating income 7,469 10,311 9,716 19,940 27,427 28,127 11,904 Average Assets 1,410,447 1,839,563 2,452,797 3,494,655 4,499,764 4,395,356 5,302,970 GAAP return on average assets 0.53% 0.56% 0.24% 0.56% 0.63% 0.89% 0.11% Non-GAAP core operating return on average assets 0.53% 0.56% 0.40% 0.57% 0.61% 0.86% 0.30% Non-GAAP Core Operating Return on Average Equity: Net Income $7,469 $10,311 $5,849 $19,590 $28,473 $29,173 $4,507 Non-GAAP core operating income 7,469 10,311 9,716 19,940 27,427 28,127 11,904 Less: Preferred stock dividends 2,066 2,100 2,100 2,100 175 175 0 Net Income available to common stockholders 5,403 8,211 3,749 17,490 28,298 28,998 4,507 Non-GAAP core operating income 5,403 8,211 7,616 17,840 27,252 27,952 11,904 available to common stockholders Average common equity 117,343 149,132 245,193 327,446 526,225 499,354 612,782 Tangible Assets 8,152 8,050 7,949 7,847 7,746 7,759 5,138 Average Tangible Equity 109,191 141,082 237,244 319,599 518,479 491,595 607,644 GAAP return on average common equity 4.60% 5.51% 1.53% 5.34% 5.38% 7.76% 0.98% Non-GAAP core return on average tangible common 4.95% 5.82% 3.21% 5.58% 5.26% 7.60% 2.62% equity Non-GAAP Core Operating Efficiency Ratio: Non-interest expense $30,562 $40,587 $62,089 $85,755 $87,648 $65,763 $76,244 Less: goodwill impairment 0 0 0 4,733 0 0 7,397 Non-GAAP non-interest expense (numerator) 30,562 40,587 62,089 81,022 87,648 65,763 68,847 Net interest income 42,267 54,053 74,818 110,368 141,444 104,265 118,712 Tax-equivalent interest income 2,637 4,001 5,439 3,099 2,522 1,852 2,050 Non-interest income 2,365 3,407 3,679 6,083 8,715 6,529 8,792 Add: fixed asset impairments 0 0 1,903 171 424 424 0 Non-GAAP Operating revenue (denominator) 47,269 61,461 85,839 119,721 153,105 113,070 129,554 GAAP efficiency ratio 68.48% 70.64% 79.10% 73.64% 58.37% 59.36% 59.44% Non-GAAP core operating efficiency ratio (FTE) 64.66% 66.04% 72.33% 67.68% 57.25% 58.16% 53.14% (1) Represents the tax impact of the adjustments above at a tax rate of 25.73%, plus a permanent tax benefit associated with stock-based grants that were exercised prior to our former CEO’s departure. 28 (2) Represents the tax impact of the adjustments above at a tax rate of 25.73% for fiscal years 2018 and after; 38.73% for fiscal years prior to 2018. (3) No tax effect associated with the 2017 Tax Act adjustment or state tax credit or the goodwill impairment.

As of or for the Three Months Ended (Dollars in thousands) September 30, 2019 December 31, 2019 March 31, 2020 June 30, 2020 September 30, 2020 Non-GAAP Core Operating Income: Net Income (loss) $10,384 ($700) $3,857 ($7,356) $8,006 Add: restructuring charges 0 0 0 0 0 Less: Tax effect(1) 0 0 0 0 0 Restructuring charges, net of tax 0 0 0 0 0 Add: fixed asset impairments 0 0 0 0 0 Less: Tax effect(2) 0 0 0 0 0 Fixed asset impairments, net of tax 0 0 0 0 0 Add: Goodwill Impairment(3) 0 0 0 7,397 0 Add: State tax credit(3) 0 0 0 0 0 Add: 2017 Tax Cut and Jobs Act Non-GAAP core operating income $10,384 ($700) $3,857 $41 $8,006 Non-GAAP Core Operating Return on Average Assets: Net Income $10,384 ($700) $3,857 ($7,356) $8,006 Non-GAAP core operating income 10,384 (700) 3,857 41 8,006 Average Assets 4,610,958 4,809,579 4,975,531 5,441,513 5,486,252 GAAP return on average assets(4) 0.89% (0.06%) 0.31% (0.54%) 0.58% Non-GAAP core operating return on average assets(4) 0.89% (0.06%) 0.31% 0.00% 0.58% Non-GAAP Core Operating Efficiency Ratio: Non-interest expense $21,172 $21,885 $22,223 $31,010 $23,011 Less: Goodwill Impairment $0 $0 $0 $7,397 $0 Less: restructuring charges 0 0 0 0 0 Non-GAAP non-interest expense (numerator) 21,172 21,885 22,223 23,613 23,011 Net interest income 35,786 37,179 38,228 41,157 39,327 Tax-equivalent interest income 624 670 695 685 669 Non-interest income 3,212 2,186 2,095 2,634 4,063 Add: fixed asset impairments 0 0 0 0 0 Non-GAAP operating revenue (denominator) 39,622 40,035 41,018 44,476 44,059 GAAP efficiency ratio 54.29% 55.60% 55.11% 70.81% 53.03% Non-GAAP core operating efficiency ratio (FTE) 53.43% 54.66% 54.18% 53.09% 52.23% (1) Represents the tax impact of the adjustments above at a tax rate of 25.73%, plus a permanent tax benefit associated with stock-based grants that were exercised prior to our former CEO’s departure. (2) Represents the tax impact of the adjustments above at a tax rate of 25.73%. (3) No tax effect associated with the state tax credit or the goodwill impairment (4) Interim periods are annualized. 29

As of or for the Year Ended As of or for the Nine Months Ended (Dollars in thousands, except per share data) December 31, September 30, 2015 2016 2017 2018 2019 2019 2020 Pre-Tax Pre-Provision Profit Income before Taxes 8,095 10,373 4,408 17,196 32,611 34,481 5,435 Provision for Credit loss 5,975 6,500 12,000 13,500 29,900 10,550 45,825 Pre-Tax Pre-Provision Profit 14,070 16,873 16,408 30,696 62,511 45,031 51,260 Average Assets 1,410,447 1,839,563 2,452,797 3,494,655 4,499,764 4,395,356 5,302,970 Pre-Tax Pre-Provision Return on Average Assets 1.00% 0.92% 0.67% 0.88% 1.39% 1.37% 1.30% Tangible Stockholders' Equity: Stockholders' equity $160,004 $214,837 $287,147 $490,336 $601,644 $602,435 $617,883 Less: goodwill and intangible assets 8,100 7,998 7,897 7,796 7,694 7,720 227 Less: preferred stock 30,000 30,000 30,000 30,000 0 0 0 Tangible Stockholders' Equity $121,904 $176,839 $249,250 $452,540 $593,950 $594,715 $617,656 Shares outstanding at end of period 19,661,718 25,194,872 30,686,256 45,074,322 51,969,203 51,969,203 52,195,778 Book value per common share $6.61 $7.34 $8.38 $10.21 $11.58 $11.59 $11.84 Tangible book value per common share $6.20 $7.02 $8.12 $10.04 $11.43 $11.44 $11.83 As of or for the Three Months Ended (Dollars in thousands, except per share data) 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Pre-Tax Pre-Provision Profit Income (loss) before Taxes 12,976 (1,870) 4,150 (8,219) 9,504 Provision for Credit loss 4,850 19,350 13,950 21,000 10,875 Pre-Tax Pre-Provision Profit 17,826 17,480 18,100 12,781 20,379 Average Assets 4,610,958 4,809,579 4,975,531 5,441,513 5,486,252 Pre-Tax Pre-Provision Return on Average Assets 1.53% 1.44% 1.46% 0.94% 1.48% Tangible Stockholders' Equity: Stockholders' equity $602,435 $601,644 $611,946 $608,092 $617,883 Less: goodwill and intangible assets 7,720 7,694 7,669 247 227 Less: preferred stock 0 0 0 0 0 Tangible Stockholders' Equity $594,715 $593,950 $604,277 $607,845 $617,656 Shares outstanding at end of period 51,969,203 51,969,203 52,098,062 52,167,573 52,195,778 Book value per common share $11.59 $11.58 $11.75 $11.66 $11.84 Tangible book value per common share $11.44 $11.43 $11.60 $11.65 $11.83 30