Exhibit 99.1

CROSSFIRST BANKSHARES, INC.TM Q4 2021

Earnings Presentation

January 24, 2022

Mike Maddox, President & CEO

Ben Clouse, CFO

Randy Rapp, CCO & CRO

Heather Worley, Director of IR

Legal

disclaimer

CROSSFIRST BANK

FORWARD

-

LOOKING STATEMENTS.

The financial results in this presentation reflect preliminary, unaudited results, which are not final until the Company’s An

nual Report on Form 10

K is filed.

This presentation and oral statements made during this meeting conta

in 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," "se

ek," "estimate," "intend," "plan," "strive," "projection," "goal," "target," "outlook," "aim," "would," "annualized" and "out

look,

" 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 indus

try, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertai

n and beyond our control. Accordingly, we caution you that any such forward

-

looking statements are not guarantees of future perform

ance and are subject to risks, assumptions, estimates and uncertainties that are difficult to predict. Although we believe th

at the expectations reflected in these forward

looking statements are reasonable as of the date made, actual results may prove to b

e 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 thos

e indicated in these forward

looking statements, includ

ing, 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 a

bility to effectively execute our

growth strategy and manage ou

r growth, including identifyi

ng and consummating suitable mergers and acquisitions; the geographic concentration of our markets; fluctuation of the fair v

alue of our investment securities due to factors outside our control; our ability to successfully mana

ge 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 att

ract, hire and retain qualified management personnel; interest rate fluctu

ations; our ability to raise

or maintain sufficient capital; competition from banks, credit unions and other financial services providers; the effectivene

ss 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 interrupt

ions, 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, in

vestigations 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, inter

pretations or policies relating to financial institutions, accounting, tax, trade, monetary and fiscal matters; compliance wi

th req

uirements associated

with bei

ng 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 measu

res, 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 h

ave obtained this data, forecasts and information from various independent, third party industry sources and publications. No

thing

in the data, forecasts or information used or derived from third party sources should be construed as advice. Some data and o

ther information are also based on our good faith estimates, which are derived from our review of industry publications and s

urveys

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 o

n market data currently available to us. Although we are not aware of any misstatem

ents regarding the economic, employment, industry and other market data presented herein, these estimates involve inherent ri

sks and uncertainties and are based on assumptions that are subject to change.

CROSSFIRST BANK

Mike Maddox

President, CEO

and Director

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

Appointed to CEO June 1, 2020 after 12 years of service

B.S. Business, University

of Kansas; J.D. Law, University of Kansas; Graduate School of Banking at the University of Wisconsin

Madison

Ben Clouse

–

Chief Financial Officer

25 years of experience in financial services, asset and wealth management, banking, retail and transportati

on, including public company CFO experience

Joined CrossFirst in July 2021 after serving as CFO of Waddell & Reed Financial, Inc. (formerly NYSE: WDR) until its acquisit

ion in 2021

Significant experience leading financial operations as well as driving oper

ational change

B.S. Business, Kansas State University; Master of Accountancy, Kansas State University

Obtained CPA designation and FINRA Series 27 license

Randy Rapp

Chief Risk Officer and Chief Credit Officer

More than 33 years of commercial banking exp

erience in Texas in various credit, production, risk and executive roles.

Joined CrossFirst in March 2019 after a 19

-

year career at Texas Capital Bank (NASDAQ:TCBI) serving as Executive Vice President and Chief Credit Officer from May 2015 un

til March 2019

B.B.A. Accounting, The University of Texas at Austin and M.B.A. Finance, Texas Christian University

Obtained CPA designation

Heather Worley

Director of Investor Relations

More than 15 years of experience in marketing, communications and investor relatio

ns in banking and finance

Joined CrossFirst in September 2021. Previously, SVP & Director of IR for Texas Capital Bancshares, Inc. (NASDAQ: TCBI)

Recognized by Institutional Investor magazine All

America Executive Team 2017

| Top Investor Relations Profess

ional & All

America Executive Team 2019 | Top Investor Relations Program

B.A. Communications, Mississippi State University

Other Senior Executives

Steve Peterson

Chief Banking Officer

of CrossFirst Bank

21+ years of banking

experience

Joined CrossFirst in

2011

Amy Fauss

Chief Operating &

Chief Human Relations Officer

of CrossFirst Bank

28+ years of banking experience

Joined CrossFirst in 2009

Jana Merfen

Chief Technology Officer

of CrossFirst Bank

12+ years of technology experience

Joined

CrossFirst in 2021

Executing Strategic Initiatives CROSSFIRST BANK

Net Income

$5.8 $ 19.6 $30.7 $28.5 $62.5 $12.6 $72.0

$69.4 $83.0 2017 2018 2019 2020 2021

Net Income Pretax, Pre

Provision Profit (2)

Operating Revenue(1)

$78.5 $3.7 74.8 $116.5 $6.

1 $110.4 $150.2 $8.7 $141.5 $172.0 $11.7 $160.3 $182.4 $13.7 $168.7

2017 2018 2019 2020 2021

Diluted EPS

$0.12 $0.47 $0.58 $0.24 $1.33

2017 2018 2019 2020 20021

Classified Loans/(Total Capital + LLR)

13.3% 19.2%13.2% 40.9% 10.8%

2017 2018 2019 2020 2021

Defined as net interest income plus non interest income

(2)

Represents anon GAAP financial measure, see non GAAP reconciliation slides at the end of this presentation for more details

4

Full Year 2021

Highlights and Summary CORSSFIRST BANK

Financial

Performance

Strong net income during 2021 of $69.4 million, up from $12.6 million in 2020

Net interest margin fully tax equivalent (FTE) of 3.15% in 2021 compared to 3.13% in 2020

Continued improvement in efficiency ratio to 54.5% in 2021 from 58

.1% in 2020

Credit

quality

Nonperforming assets to assets ratio decreased 58% from Q4 2020 to 0.58%

Net charge

-

offs to average loans ratio decreased 67% from full year 2020 to 0.30%

Classified loans to total capital ratio decreased 73.5% from Q4 2020 to 10

.8%

Balance

Sheet

6.6% (annualized) growth in total loans, ex PPP,* during Q4 2021

62% demand deposits growth from December 31, 2020, which represented 25% of total deposits at December 31, 2021

$1.9 billion in unfunded loan commitments as of December 31,

2021

* Represents a Non

GAAP financial measure, see Non

GAAP reconciliation slides at the end of the presentation for more detail.

Strategic Initiative Achievements 2021 CROSSFIRST BANK

Shareholder

Focus

Purchased $8.4 million, or 1%, of outstandi

ng shares, during the fourth quarter as part of the $30 million share repurchase program announced in October 2021

Completed $20 million share repurchase program in Q2 2021 at a weighted average price of $12.68

Investing in

Technology

Signed a contract dur

ing the fourth quarter with Q2 Holdings

Brings a single unified platform to provide a seamless client experience for mobile, online, and voice banking

Offers the ability to further leverage innovative digital banking products, services, and features

Invest

ing in funds designed to support community banks

Announced investment in JAM FINTOP Banktech investment fund

In discussions with additional fintech investment funds that are designed to support community banks

Talent

Acquisition

Entered Phoenix market and

recruited experienced banking team

Added experienced banking executive David Felan to head the Texas growth strategy

Added 16 new producers in 2021, an increase of 18% from 2020

6

Our Road to Success

ONE TEAM

Focusing on:

Elevating our Strong

Corporate Culture by Living our CrossFirst Values

Attracting and Retaining High Performing Talent

Well

-

being of our Employees

ONE BANK

Focusing on:

Targeting Businesses and Professionals

Branch

Lite

Technology Focused

Delivering Extraordinary Service and

Customer Experience

SHARED VISION

Focusing on:

Performance & Profitability

Seizing Growth Opportunities

Strong Credit Quality

Enhancing Products and Services

Managing Enterprise Risk

Contributing to our Communities

LEAWOOD, KS KANSAS CITY, MO TULSA, OK OK

LAHOMA CITY, OK PHOENIX, ZA FRISCO,TX DALLAS,TX

Total

Assets

$5.6 billion

Gross

Loans

$4.3 billion

Total

Deposits

$4.7 billion

Book Value/

Share

$13.23

Note: As of 12/31/21.

CROSSFIRST BANKSAHERS, INC.TM

EXPANDING OUR FOOTPRINT

AREAS OF FOCUS

Continue to execute our organic growth strategy in existing markets

Focus on new expansion in target markets where we currently have client business

Evaluate expansion strategies in key target markets:

De Novo Expansion:

Hire experienced talent to expand i

n key growth markets

Strategic Acquisition:

Provides operational scale and synergies

Adds new lines of business

Adds fee income opportunities

POTENTIAL TARGET MARKETS

Austin, Texas

Fort Worth, Texas

Nashville, Tennessee

San Antonio, Texas

Denver, Colorado

Houston, Texas

Omaha, Nebraska

Fourth Quarter 2021 Summary & Highlights CROSSFIRST BANK

Net Income

$20.8M ROA 1.50% NIM(FTE) 3.28% Diluted EPS $0.40 ROE 12.57%

Balance Sheet Updaets 1.6% (1) (2) Non

GAAP Loan growth QoQ 5.6 % Deposit growth QoQ 21.

0 % DAA Deposit growth QoQ 3.4%(2) tbv/Shared grothw QoQ

Credit Performance 0.58% NPAs/Asset 0.07% NCOs/Avg Loans 1.37% Reserves/Loans 11% Classified Loans/Capital + ALLL

Capital & Liquidity 12.46% CET 1 Capital Ratio 13.61% Total Risk

-

Based Capital 91% Lo

ans/Deposits 22% Cash and Securities/Assets

Efficiency 55.38% Q4 2021 GAAP Efficiency Ratio 54.5%(2) Q4 2021 Non

GAAP Efficiency Ratio 1.93% Non

-

Interest Expense/Avg Assets

Note: Interim periods are annualized.

Gross loans net of unearned income; excludes

PPP loans.

* Represents a non

GAAP financial measure. See Non

GAAP Reconciliation slides at the end of this presentation for additional detail.

Net Interest Margin CROSSFIRST BANK

Yield on Loans & Cost of Deposits

4.89% 0.99% 5.34% 1.44% 5.52%

1.89% 4.26% 0.85% 4.02% 0.40%

2017 2018 2019 2020 2021

Yield on Loans Cost of Total Deposits

Net Interest Margin

Fully Tax Equivalent (FTE)

3.40% 3.39% 3.31% 3.13% 3.15%

2017 2018 2019 2020 2021

Fully tax

equivalent net interest margin increased 8bps to

3.28% in Q4 2021 from Q3 2021, primarily due to credit improvement and incremental loan fees

PPP Fees:

Realized $1.3 million in Q4 2021

$1.7 million of fees remain to be realized

Loan to deposit ratio decreased to 91% from 95% in Q3 2021

PPP Loan

Summary CROSSFIRST BANK

PPP Timeline

$292 ($67) $336 $111 $225 ($161) $197 $129 $68 ($88) $109 $96 $13 ($44) $65

Q4 2020 End Q1 2021 Forgiven Q1 2021 End Q2 2021 Forgiven Q2 2021 End Q3 2021 Forgiven Q3 2021 End Q4 2021 Forgiven Q4 2021 E

nd 2020 PPP Loans

Loan Forgiveness 2021 PPP Loans

Face Recognition

$4.2 $2.4 $5.9 $

3.7 $2.2 $2.1 $4.7 $4.2 $0.5 $1.7 $3.0 $1.3 $1.7

Q4 2020 Q1 2021 Q1 2021 Q2 2021 Q2 2021 Q3 2021 Q3 2021Q4 2021 Q4 2021 Round 1 Unrecognized Fees Fee Recognized Round Unrecog

nized Fees

Note:

As of end of period; dollars in millions.

11

Growth and expense management CROSSFIRST BANK

2020

-

2021

Non

-

Interest Expense

Details

$100.0

$19.7

$7.4

$8.7

S57.7

2020

$99.

$215

2021

Other

Goodwill Impairment

Technology

Occupancy

Salaries & Benefits

Assets and Non

-

Interest Expenses

2.53% $2,961 2.45% $4,107 $4,931 1.95% $5,659 1.84% $5,621 1.78%

2017 2018 2019 2020 2021

Total Assets Non

interest expense/Average Assets

Note: Dollars are in millions and amounts shown are as of the en

d of the period unless otherwise specified.

12

Improving Efficiency

while Growing Assets CROSSFIRST BANK

7.1% 73.6% 58.4% 58.1%54.5%

74.0% 67.8% 57.4% 53.0% 52.0%

$2,931 $4,107 $4,931 $5,659 $ 5,621

2017 2018 2019 2020 2021

Total Assets Efficiency R

atio Non

GAAP Efficiency Ratio

Note: Dollars are in millions and amounts sh

own are as of the end of the period unless otherwise specified.

* Represents a non

GAAP financial measure. See Non

GAAP Reconciliation slides at the end of this presentation for add

itional detail.

Stock Repurchase Activity CROSSFIRST BANK

51,680 51,679 50,959 51,003 50,450

610 88 876 0 566

Q42020 Q1 2021 Q2 2021 Q3 2021 Q4 2021

# of Shares Repurchased # Shares Outstanding

Repurchased 1% of outstanding shares in Q4 2021

and 3% of outstanding shares in full

-

year 2021

Return of accumulated capital and earnings to shareholders

Drives improvement in ROE and EPS

Little tangible book value dilution and a short earnback period

Note: shares in thousands

14

Asset Quality Per

formance CROSSFIRST BANK

Nonperform

npd

ing Assets / Assets

1.6%

1.4%

1.2%

1.0% 0.8% 0.6% 0.4%

0.2%

0.0%

0.18% 0.43% 0.97% 1.39% 0.58%

2017 2018 2019 2020 2021

NPAs continue to improve as economic and business outlooks improve

Redu

ction in NPAs mostl

y related to upgrades in commercial and industrial and energy loans

49% of the nonperforming asset balance in Q4 2021 relates to energy credits

Classified Loans / (Total Capital + ALLL)

$3$0 $300

$2$0

S200

S1$0

$100

$50

$286.1 $268.9 $170.7

$124.1 $78.7 40.9% 38.2% 24.0% 17.3% 10.8%

Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021

Classified Loans Ratio

Classified loans continue to trend down due primarily to higher energy prices, improvements in customers’ businesses, and imp

roved

economic conditions

27% of classifieds in Q4 2021 relate to Energy, down from 37% in Q3 2021 and 38% in Q4 2020

Energy classifieds decreased 54% during the quarter and 80% from Q4 2020

Note: Dollar amounts are in millions.

15

Asset Quality Performance

CROSSFIRST BANK

Net Charge

Offs / Average Loans(1)

1.0%

0 9%

0.8%

0.7%

0.6%

0.5%

0.4%

0.3%

0.2%

0.1%

0.0%

0.44% 0.07% 0.37% 0.89% 0.31%

2017 2018 2019 2020 2021

2021 had $12.9

million of net charge

offs related to loans in both energy

and commercial and industrial credits

Allowance for Loan Losses / Total Loans

SI 00

$80 ■ S60 ■ $40 ■ $20 ■ $0 ■

1.70% 1.65% 1.78% 1.51% 1.37%

$75.3 $74.6 $75.5 $64.2 $58.4

Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021

ALLL ALLL/Loans

Based on improved credit me

trics, reduced ALLL/Total Loans to 1.37% at end of Q4 2021 by releasing $5 million in reserves

Note: Dollar amounts are in millions.

Ratio is annualized for interim periods.

16

CROSSFIRST BANKSHARES, INC.TMSupplemental information

capital Rati

os CROSSFIRST BANK

Capital Ratios

8.62% 9.70% 10.65% 11.75% 12.53% 13.51% 12.20% 12.22% 13.43% 11.93% 11.94% 13.20% 12.46%12.48% 13.61%

2017 2018 2019 2020 2021

Common Equity Tier 1 Tier 1 Risk Based Total Risk

Based Capital

Maintaining strong capital leve

ls to support future growth

Continue to remain well capitalized as we return capital to shareholders

Execution of our profitable growth strategy further strengthening capital ratios

18

Diverse loan portfolio CROSSFIRST BANK Loan Mix by Type ($4.3bn) Commercial Industrial33%Residential RealEstate 10%Owner Occupied Real Estate 8% SBA PPP1% Energy7%CommercialReal Estate40% Other 1%Note: Data as of December 31, 2021. 19

Diverse loan portfolio CROSSFIRST BANK

CRE Loan Portfolio by Segment

$1.7bn)

Retail

14%

Multi

-

Family

16%

Other

23%

Office

15%

Industrial

14%

4 Family Res

Construction

7%

Hotel 11%

Commercial and Industrial Loan Breakdown

by Type ($1.4bn)

Financial Management 5%

Aircraft & Transportation 7%

Merchant Wholesalers 5%

18

Other Industries 42%

Manufacturing 12%

Business Loans to Individuals 8%

Health Care 6%

Engineering & Contracting 9% Restaurants 6%

Note: Data as of December 31, 2021.

Balance Sheet Growth CROSSFIRST BANK

$ 1,996 $2,303 $3,061 $3,852 $3,924 $4,442

$4,695 $4,256 $4,684

2017 2018 2019 2020 2021

Gross loans net of uneamed fees Total deposit

Balance Sheet

FY 2021

YoY

2017

2021

CAGR

Cross Loans

▼

4%

16%

Gross Loans ex PPP

A

1%

Total Deposits

A

0%

15%

Total Assets

▼

1%

14%

Annualized loan

growth of 6.6% during Q4 2021, excluding the impact of PPP*

$227 million in PPP loans were forgiven in 2021

$44 million in PPP loans were forgiven in Q4 2021

Note: Dollars are in millions.

* Represents a non

GAAP financial measure. See Non

-

GAAP Reconciliat

ion slides at the end of this presentation for additional detail.

21

improving core funding base CROSSFIRST BANK

Total Deposits

$2,303

$3,208

$3,924

$4,695

$4,684

$2,012

$2,724

$3,402

$3,976

$3,520

$291

$484

$522

$718

$1,163

2017

2018

2019

2020

2021

Cost of Deposits 0.99%

1.44%

1.89%

0.85%

0.40%

DDA Other Deposits

Improved the cost of deposits by increasing percentage of DDA accounts

Demand deposits 5

year CAGR of 32%

+62% compared to 2020 year

-

end

+21% compared to Q3 2021

Number of DDA

accounts increased by 868 in 2021

Deposit costs have trended down due to the persistent low

rate environment and management’s focus on increasing demand deposits

Focus on Core Funding*

21%

21%

19%

14%

6%

6%

9%

10%

6%

2017

2018

2019

2020

2021

Wholesale D

eposits Brokered Deposits

Note: Dollars are in millions and amounts shown are as of the end of the period.

* As a percentage of Bank assets

22

Loan Portfolio CROSSFIRST BANKGross Loans by Type $2,002 $3,069 $3,862 $4,455 $4,270 $191$284 $360$447 $470$797 $1,293 $1,736 $2,032 $2,055 $243$358 $409$345 $279$771 $1,134 $1,357 $1,631 $1,466 20172018 20192020 2021Loan Yield4.89%5.34%5.52% 4.26%4.02% Commercial Energy Commercial Real Estate ConsumerThe loan portfolio, excluding PPP loans,at Q4 2021 grew 1.6% from previous quarterLoan yields increased primarily due to credit improvement and incremental loan feesContinued pressure on real estate due to cap rates and long-term finance rates for our customers Line utilization continues to be less than historical average Note: Dollars are in millions and amounts shown are as of the end of the period.23

Securities portfolio CROSSFIRST BANK

Investment Portfolio Breakout as of December 31, 2021

Municipal

Taxable

1.0%

MBS

(Fixed)1

21.7%

Other,

0.6%

Total: ~$746

million*

CMO (Fixed)

2.5%

At the end of Q4 2021, the portfolio’s duration was approximately 5.2 years

The fully taxable equivalent yield for Q4 2021 increased 2bps to 2.89%

The securities portfolio has unrealized gai

ns of approximately $29 million as of December 31, 2021

During Q4 2021, $14 million of MBS/CMO paydowns were received and $40 million of MBS securities and $16 million of Tax

Exempt Municipal bonds were purchased with an average tax

equivalent yield of 1.9

3%

Securities Yield

Fully Tax Equivalent

3.85%

3.62%

3.35%

3.05%

2.90%

2.79%

2.13%

1.45%

2.13%

2.40%

2017

2017

2017

2017

2017

Securities Yield

Cost of Funds Spread Securities Yield

* Based on approximate fair value.

24

CrossFirst Energy Portfolio

CROSSFIRST BANK

Portfolio Composition

Collateral base is predominately comprised of properties with sufficient production history to establish reliable production

trends

Typically, only lend as a senior secured lender in single bank

transactions and as a cash flow lender

Exploration & Production lending only on proven and producing reserves

CrossFirst typically does not lend to shale, oil field services, or midstream energy companies.

Energy portfolio represents 7% of the entire loan

portfolio

Energy by Composition 12/31/2021

# Loans

Loan Amount

% Total

Avg % Hedged(1)

Hedge Price(2)

Oil

34

$159

57%

44%

$52.01

Natural Gas

11

$113

41%

50%

$2.98

Other Sources

$7

2%

Total

49

$279

100%

40% (1)

Energy Portfolio and

Tangible Equity(3)

98%

79%

69%

55%

42%

$243

$249

$358

$453

$409

$594

$345

$624

$279

$667

2017

2018

2019

2020

2021

Energy Portfolio Tangible Equity (3) Energy as % of Tanbile Equity (3)

Energy Loans by Risk Rating

3.3% of Reserves on Energy Portfolio

$243

$358

$409

$345

$279

$26

$13

$7

$109

$21

$12

$9

$90

$73

$205

$340

$393

$146

$184

2017

2018

2019

2020

2021

Pass Special Mention Substandard

Note: Data as of 12/31/21.

Note: Loan dollars in millions;

Weighted Average.

Hedged rolling 12 month; Oil price in $ per barrel an

d natural gas price in $ per MMBtu.

Represents a non

GAAP financial measure, see non

GAAP reconciliation slides in the supplemental information for more detail.

25

Quarterly selected financials CROSSFIRST BANK

(Dollars in thousands, except per

share data)

CrossFirst Bankshares, Inc. Quarterly Financials

For the Three Months Ended

12/31/21

9/30/21

6/30/21

3/31/21

12/31/20

Income Statement Data:

Interest income

49,202

47,311

48,484

48,153

49,534

Interest expense

5,757

5,510

6,156

7,036

,997

Net interest income

43,445

41,801

42,328

41,117

41,537

Provision for loan losses

(5,000)

(10,000)

3,500

7,500

10,875

Non

interest income

4,796

(1,105)

5,825

4,144

2,949

Non

interest expense

26,715

24,036

25,813

22,818

23,732

Net income before

taxes

26,526

26,660

18,840

14,943

9,879

Income tax expense

5,725

5,660

3,263

2,908

1,785

Net income

20,801

21,000

15,577

12,035

8,094

Non

-

GAAP core operating income(1)

20,801

25,898

14,245

12,035

8,094

Balance Sheet Data:

Cash and cash equivalent

482,727

316,722

220,814

630,787

408,810

Securities

745,969

708,106

712,217

685,454

654,588

Gross loans (net of unearned income)

4,256,213

4,233,117

4,237,944

4,508,600

4,441,897

Allowance for loan losses

58,375

64,152

75,493

74,551

75,295

Goodwill and intangibles

130

149

169

188

208

Total assets

5,621,457

5,401,151

5,311,434

5,998,074

5,659,303

Non

interest bearing deposits

1,163,224

960,999

818,887

794,559

718,459

Total deposits

4,683,597

4,436,597

4,356,627

5,051,570

4,694,740

Borrowings and repurchase agreements

236,600

276,600

283,100

286,394

295,406

Trust preferred securities, net of fair value adjustments

1,009

997

986

974

963

Stockholders' Equity

667,573

652,407

637,190

628,834

624,428

Tangible common stockholders' equity(1

667,443

652,257

637,021

628,646

624,220

Share and Per Share Data:

Basic earnings per common share

0.41

0.41

0.30

0.23

0.16

Diluted earning per common share

0.40

0.41

0.30

0.23

0.15

Book value per share

13.23

12.79

12.50

12.17

12.08

Tangible book value per share(1)

13.23

12.79

12.50

12.16

12.08

Basic weighted average common shares outstanding

50,893,493

50,990,113

51,466,885

51,657,204

51,970,116

Diluted weigh

ted average common shares outstanding

51,660,723

51,605,721

52,209,541

52,381,474

52,463,645

Shares outstanding at end of period

50,450,045

51,002,698

50,958,680

51,678,669

51,679,516

(1) Represents a non

GAAP financial measure. See Non

GAAP Reconciliation slides at the end of this presentation for additional detai

Quarterly selected financials CROSSFIRST BANK CrossFirst Bankshares, Inc. Quarterly Financials For the Three Months Ended 12/

31/21 9/30/21 6/30/21 3/31/21 12/31/20 Selected Ratios: Return on average assets(1) 1.50 % 1.54 % 1.10 % 0.84 %

0.58 % Non

GAAP core operating return on average assets(1)(2) 1.50 1.90 1.01 0.84 0.58 Return on average common equity 12.57 12.92 9.86

7.80 5.19 Yield on earning assets 3.65 3.56 3.51 3.45 3.67 Yield on earning assets

tax equivalent(3) 3.70 3.62 3.57 3.

50 3.71 Yield on securities 2.49 2.46 2.52 2.48 2.56 Yield on securities

tax equivalent(3) 2.89 2.87 2.93 2.89 2.96 Yield on loans 4.17 4.00 3.99 3.94 4.00 Cost of funds 0.48 0.46 0.49 0.56 0.65 Cos

t of interest

bearing liabilities 0.61 0.57 0.59 0.65 0.

77 Cost of interest

bearing deposits 0.43 0.47 0.50 0.57 0.69 Cost of deposits 0.33 0.38 0.41 0.48 0.58 Cost of other borrowings 3.03 1.82 1.79 1

.79 1.78 Net interest margin

tax equivalent(3) 3.28 3.20 3.12 3.00 3.12 Non

interest expense to average asset

s 1.93 1.76 1.82 1.60 1.71 Efficiency ratio(4) 55.38 59.06 53.61 50.41 53.35 Non

GAAP core operating efficiency ratio (FTE)(2)(4) 54.52 50.45 53.34 49.64 52.54 Non

interest bearing deposits to total deposits 24.84 21.66 18.80 15.73 15.30 Loans to deposits

90.87 % 95.41 % 97.28 % 89.25 % 94.61 % Credit Quality Ratios: Allowance for loans losses to total loans 1.37 % 1.51 % 1.78 %

1.65 % 1.70 % Nonperforming assets to total assets 0.58 0.92 1.09 1.15 1.39 Nonperforming loans to total loans 0.74 1.15 1.33

1.48

1.71 Allowance for loans losses to nonperforming loans 185.19 131.76 133.79 112.10 98.98 Net charge

offs (recoveries) to average loans(1) 0.07 % 0.13 % 0.23 % 0.74 % 1.03 % Capital Ratios: Total stockholders' equity to total

assets 11.88 % 12.08 % 12.00 %

10.48 % 11.03 % Common equity tier 1 capital ratio 12.46

12.61 12.40 12.00 11.93 Tier 1 risk

based capital ratio 12.48 12.63 12.42 12.02 11.94 Total risk

based capital ratio 13.61 13.88 13.67 13.27 13.20 Tier 1 leverage ratio 11.84 % 11.77 % 10.81 % 10.51

% 10.93 % (1) Interim periods are annualized. (2) Represe

nts a non

GAAP financial measure. See Non

-

GAAP Reconciliation slides at the end of this presentation for additional detail. (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. (4) Efficiency ratio

is non

interest expense divided by the sum of net interest income and non

interest income; non

GAAP core operating efficiency ratio

(FTE) is adjusted for non

core or non

recurring items 27

Non

-

gaap reconciliations CROSSFRIST BANK For the Three Months Ended (Dollars in thousands) 12/31/21 9/30/21 6/30/21 3/31/21 12/31

/20 Non

GAAP Core Operating Income: Net income $ 20,801 $ 21,00

0 $ 15,577 $ 12,035 $ 8,094 Add: Unrealized loss on equity security

6,200

Less: Tax effect(2)

-

1,302

-

Unrealized loss on equity security, net of tax

4,898

Add: Accelerated employee benefits

719

Less: Tax effect (3)

210

Accelerated employee benefits, net of tax

509

Less: BOLI settlement benefits(1)

1,841

Non

GAAP core operating income $ 20,801 $ 25,898 $ 14,245 $ 12,035 $ 8,094 Non

GAAP Core Operating Return on Average Assets: Net income $ 20,801 $ 21,000

$ 15,577 $ 12,035 $ 8,094 Non

GAAP core operating income 20,801 25,898 14,245 12,035 8,094 Average assets $ 5,490,482 $ 5,408,984 $ 5,673,638 $ 5,798,167 $

5,523,196 GAAP return on average assets 1.50 % 1.54 % 1.10 % 0.84 % 0.58 % Non

GAAP core operating

return on average assets 1.50 % 1.90 % 1.01 % 0.84 % 0.58 % Non

GAAP Core Operating Return on Average Equity: Net income available to common stockholders $ 20,801 $ 21,000 $ 15,577 $ 12,035

$ 8,094 Non

GAAP core operating income available to common stockho

lders 20,801 25,898 14,245 12,035 8,094 Average common equity 656,415 644,715 633,417 625,875 620,496 Less: average goodwill

and intangibles 140 160 179 199 218 Average Tangible Equity $ 656,275 $ 644,555 $ 633,238 $ 625,676 $ 620,278 GAAP return on

averag

e common equity 12.57 % 12.92 % 9.86 % 7.80 % 5.19 % Non

GAAP core return on average tangible common equity 12.57 % 15.94 % 9.02 % 7.80 % 5.19 % Non

GAAP Core Operating Efficiency Ratio: Non

interest expense $ 26,715 $ 24,036 $ 25,813 $ 22,818 $ 23,732 Les

s: Accelerated employee benefits

719

Non

GAAP non

interest expense (numerator) $ 26,715 $ 24,036 $ 25,094 $ 22,818 $ 23,732 Net interest income 43,445 41,801 42,328 41,117 41,

537 Tax equivalent interest income(4) 762 748 734 704 683 Non

interest in

come 4,796 (1,105) 5,825 4,144 2,949

Add: Unrealized loss on equity security

6,200

Less: BOLI settlement benefits

1,841

-

Non

GAAP operating revenue (denominator) $ 49,003 $ 47,644 $ 47,046 $ 45,965 $ 45,169 GAAP Efficiency Ratio 55.38 % 59.0

6 % 53.61 % 50.41 % 53.35 % Non

GAAP core operating efficiency ratio (FTE) 54.52 % 50.45 % 53.34 % 49.64 % 52.54 % No tax effect. Represents the tax impact o

f the adjustments at a tax rate of 21.0%. Represents the tax impact of the adjustments above at a t

ax rate of 21.0%, plus a permanent ta

x benefit associated with stock

based grants. Tax exempt income (tax

free municipal securities) is calculated on a tax equivalent basis. The incremental tax rate used is 21.0%. 28

Non

-

gaap reconciliations (Cont.)

CROSSFIRST BANK For the Three Months Ended (Dollars in thousands, except per share data) 12/31/21 9/30/21 6/30/21 3/31/21 12/

31/20 Tangible common stockholders' equity: Stockholders' equity $ 667,573 $ 652,407 $ 637,190 $ 628,834 $ 624,428 Less: good

will a

nd other intangible assets 130 149 169 188 208 Tangible Stockholders' Equity $ 667,443 $ 652,258 $ 637,021 $ 628,646 $ 624,22

0 Shares outstanding at end of period 50,450,045 51,002,698 50,958,680 51,678,669 51,679,516 Book value per share $ 13.23 $ 1

2.79 $

12.50 $ 12.17 $ 12.08 Tangible book value per share $ 13.23 $ 12.79 $ 12.50 $ 12.16 $ 12.08 12/31/2021 Gross loans, net ot un

earned income $ 4,256,213 Less: PPP loans, net ot unearned income 64,805 f'Jon

-

PPP gross loans, net ot unearned income $ 4,131,408

Year

over

-

year loan growth (4.18} X f'Jon

-

GAAP year

-

over

year loan grow th excluding PPP loans 1.00 Linked quarter loan grow th 0.55 f'Jon

-

G A AP linked quarter loan grow th excluding PPP loans 1.64 X Allowance tor loan losses $ 58,375 Allowance tor loan

losses to gross loans, net ot unearned income 1.37 X Allowance tor loan losses to non

PPP gross loans, net ot unearned income 1.39 X For (he Three Months Ended 9/30/2021 6/30/2021 3/31/2021 12/31/2020 $ 4,233,11

7 $ 4,237,944 $ 4,508,600 $ 4,441,897 109,465

197,084 336,355 292,230 $ 4,123,652 $ 4,040,860 $ 4,172,245 $ 4,149,667 X X $ 64,152 $ 75,493 $ 74,551 $ 75,295 1.51 X 1.78 X

1.65 X 1.70 1.56 X 1.87 X 1.79 X 1.81 29

Historical Financial Information CROSSFIRST BANK (Dollars in thousands, except per

share data) For the Year Ended December 31, 2021 2020 2019 2018 2017 Income Statement Data: Interest income $ 193,150 $ 203,4

48 $ 216,218 $ 156,880 $ 97,816 Interest expense 24,459 43,199 74,774 46,512 22,998 Net interest income 168,691 160,249 141,4

44 11

0,368 74,818 Provision for loan losses (4,000) 56,700 29,900 13,500 12,000 Non

interest income 13,660 11,733 8,707 6,083 3,679 Non

interest expense 99,382 99,968 87,640 85,755 62,089 Net income before taxes 86,969 15,314 32,611 17,196 4,408 Income tax expe

nse (benefit) 17,556 2,713 4,138 (2,394) (1,441) Net income 69,413 12,601 28,473 19,590 5,849 Non

GAAP core operating income(1) $ 72,979 $ 19,998 $ 27,427 $ 19,940 $ 9,716 Balance Sheet Data: Cash and cash equivalents $ 482

,727 $ 408,810 $ 187,320 $ 216,54

1 $ 130,820 Securities 745,969 654,588 739,473 661,628 701,534 Gross loans (net of unearned income) 4,256,213 4,441,897 3,852

,244 3,060,747 1,996,029 Allowance for loan losses 58,375 75,295 56,896 37,826 26,091 Goodwill and intangibles 130 208 7,694

7,796

7,897 Total assets 5,621,457 5,659,306 4,931,233 4,107,215 2,961,118 Non

interest bearing deposits 1,163,224 718,459 521,826 484,284 290,906 Total deposits 4,683,597 4,694,740 3,923,759 3,208,097 2,

303,364 Borrowings and repurchase agreements 236,600 295,4

06 373,664 388,391 357,837 Preferred Stock, liquidation value

30,000 30,000 Stockholders' Equity 667,573 624,428 601,644 490,336 287,147 Tangible common stockholders' equity(1) $ 667,443

$ 624,220 $ 593,950 $ 452,540 $ 249,250 Share and Per Share Dat

a: Basic earnings per common share $ 1.35 $ 0.24 $ 0.59 $ 0.48 $ 0.12 Diluted earnings per common share 1.33 0.24 0.58 0.47 0

.12 Book value per share 13.23

12.08 11.58 10.21 8.38 Tangible book value per share(1) $ 13.23 $ 12.08 $ 11.43 $ 10.04 $ 8.12 Basic

weighted average common shares outstanding 51,291,428 52,070,624 47,679,184 36,422,612 30,086,530 Diluted weighted average co

mmon shares outstanding 52,030

,582 52,548,547 48,576,135 37,492,567 30,963,424 Shares outstanding at end of period 50,450,045 51,6

79,516 51,969,203 45,074,322 30,686,256 (1) Represents a non

-

GAAP financial measure. See Non

GAAP Reconciliation slides at the end of this presentation for additional detail. 30

Historical Financial Information CROSSFIRST BANK For the Year Ended Dece

mber 31, 2021 2020 2019 2018 2017 Selected Ratios: Return on average assets(1) 1.24 % 0.24 % 0.63 % 0.56 % 0.24 % Non

-

GAAP core operating return on average assets(1)(2) 1.31 0.37 0.61 0.57 0.40 Return on average common equity 10.84 2.05 5.38 5

.34 1.53 Yiel

d on earning assets

tax equivalent(3) 3.60 3.96 5.04 4.77 4.37 Yield on securities

tax equivalent(3) 2.90 3.05 3.35 3.62 3.85 Yield on loans 4.02 4.26 5.52 5.34 4.89 Cost of funds 0.50 0.92 1.90 1.49 1.06 Cos

t of interest

bearing deposits 0.49 1.02 2.2

1 1.71 1.12 Cost of deposits 0.40 0.85 1.89 1.44 0.99 Net interest margin

tax equivalent(3) 3.15 3.13 3.31 3.39 3.40 Non

-

interest expense to average assets 1.78 1.84 1.95 2.45 2.53 Efficiency ratio(4) 54.50 58.13 58.37 73.64 79.10 Non

GAAP core operating

efficiency ratio (FTE)(2)(4) 52.02 52.98 57.25 67.68 72.33 Non

interest bearing deposits to total deposits 24.84 15.30 13.30 15.10 12.63 Loans to deposits 90.87 % 94.61 % 98.18 % 95.41 % 8

6.66 % Credit Quality Ratios: Allowance for loans losses to total l

oans 1.37 % 1.70 % 1.48 % 1.23 % 1.30 % Nonperforming assets to total assets 0.58 1.39 0.97 0.43 0.18 Nonperforming loans to

total loans 0.74 1.71 1.15 0.58 0.27 Allowance for loans losses to nonperforming loans 185.19 98.98 128.54 212.30 481.68 Net

charge

offs (recoveries) to average loans(1) 0.30 % 0.89 % 0.31 % 0.07 % 0.44 % Capital Ratios: Total stockholders' equity to total

assets 11.88 % 11.03 % 12.20 % 11.94 % 9.70 % Common equity tier 1 capital ratio 12.46 11.93 12.20 11.75 8.62 Tier 1 risk

-

based ca

pital ratio 12.48 11.94 12.22 12.53 9.70 Total risk

based capital ratio 13.61 13.20 13.43 13.51 10.65 Tier 1 leverage ratio 11.84 % 10.93 % 12.06 % 12.43 % 9.71 % (1) Interim pe

riods are annualized. (2) Represents a non

GAAP financial measure. See Non

-

GAAP

Reconciliation slides at the end of this presentation for additional detail. (3) Tax

exempt income is calculated on a tax

equivalent basis. Tax

exempt income includes municipal securities, which is exempt from federal t

axation. A tax rate of 21% is used.

(4) Efficiency ratio is non

interest expense divided by the sum of net interest income and non

interest income; non

GAAP core operating efficiency ratio (FTE) is adjusted for non

core or non

-

recurring items 31

Non

gaap reconciliations CROSSFIRST BANK

As of or for the Year Ended December 31, 2021 2020 2019 2018 2017 Non

GAAP core operating income: Net income $ 69,413 $ 12,601 $ 28,473 $ 19,590 $ 5,849 Add: Unrealized loss on equity security 6,

200

-

Less: Tax effect(1) 1,302

-

Unrealized los

s on equity security, net of tax 4,898

Add: restructuring charges

4,733

Less: Tax effect(1)

1,381

Restructuring charges, net of tax

3,352

Add: fixed asset impairments

424 171 1,903 Less: Tax effect(2)

109 44 737 Fixe

d asset impairments, net of tax

315 127 1,166 Add: Goodwill impairment(3)

7,397

Add: State tax credit(3)

-

(1,361) (3,129)

Add: 2017 Tax Cut and Jobs Act(3)

-

2,701 Add: Accelerated employee benefits 719

Less: Tax effect (2) 2

10

-

Accelerated employee benefits, net of tax 509

-

Less: BOLI settlement benefits(3) 1,841

-

Non

GAAP core operating income $ 72,979 $ 19,998 $ 27,427 $ 19,940 $ 9,716 Non

GAAP Core Operating Return on Average Assets: Net income $ 69,41

3 $ 12,601 $ 28,473 $ 19,590 $ 5,849 Non

GAAP core operating income 72,979 19,998 27,427 19,940 9,716 Average assets $ 5,591,471 $ 5,358,479 $ 4,499,764 $ 3,494,655 $

2,452,797 GAAP Return on average assets 1.24 % 0.24 % 0.63 % 0.56 % 0.24 % Non

GAAP core

operating return on average assets 1.31 % 0.37 % 0.61 % 0.57 % 0.40 % Non

GAAP Core Operating Return on Average Equity: Net income $ 69,413 $ 12,601 $ 28,473 $ 19,590 $ 5,849 Non

GAAP core operating income 72,979 19,998 27,427 19,940 9,716 Less: Preferred

stock dividends

-

175 2,100 2,100 Net income available to common stockholders 69,413 12,601 28,298 17,490 3,749 Non

GAAP core operating income available to common stockholders 72,979 19,998 27,252 17,840 7,616 Average

common equity 640,202 614,726 526,22

5 327,446 245,193 Intangible Assets 170 3,898 7,746 7,847 7,949 Average Tangible Equity $ 640,032 $ 610,828 $ 518,479 $ 319,5

99 $ 237,244 GAAP return on average common equity 10.84 % 2.05 % 5.38 % 5.34 % 1.53 % Non

GAAP

core return on average tangible comm

on equity 11.40 % 3.27 % 5.26 % 5.58 % 3.21 % Non

GAAP Core Operating Efficiency Ratio: Non

interest expense $ 99,382 $ 99,968 $ 87,640 $ 85,755 $ 62,089 Less: Accelerated employee benefits 719

Less: goodwill impairment

7,397

Less: restruct

uring charges

-

4,733

Non

GAAP non

-

interest expense (numerator) $ 98,663 $ 92,571 $ 87,640 $ 81,022 $ 62,089 Net interest income 168,691 160,249 141,444 110,368

74,818 Tax equivalent interest income 2,948 2,732 2,5

22 3,099 5,439 Non

interest income 1

3,660 11,733 8,707 6,083 3,679 Add: Unrealized loss on equity security 6,200

-

Add: fixed asset impairments

424 171 1,903 Less: BOLI settlement benefits(1) 1,841

Non

GAAP Operating revenue (denominator) $ 189,658 $ 174,714 $ 153,097 $ 119

,721 $ 85,839 GAAP Efficiency Ratio 54.50 % 58.13 % 58.37 % 73.64 % 79.10 % Non

-

GAAP Core Operating Efficiency Ratio (FTE) 52.02 % 52.98 % 57.25 % 67.68 % 72.33 % Represents the tax impact of the adjustmen

ts above at a tax rate of 25.73% from 2015 through

2020 and at 21% for 2021, plus a permanent tax benefit associated with stock

based grants. 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. No tax effect asso

ciated with the 2017 Tax Act adjustment or state tax credit or the goodwill impairment. 32

Non

gaap reconciliations CROSSFIRST BANK

(Dollars in thousands, except per share data) For the Year Ended

December 31,

2021

2020

2019

2018

2017

Pre

Tax Pre

Pro

vision Profit

Net income before taxes $ 86,969

$ 15,314

$ 32,611

$ 17,196

$ 4,408

Add: Provision for loan losses

(4,000)

56,700

29,900

13,500

12,000

Pre

Tax Pre

Provision Profit

82,969

72,014

62,511

30,696

16,408

Average Assets

5,591,471

5,358,479

4,499,764

3,494,655

2,452,797

Pre

Tax Pre

Provision Return on Average Assets

1.48 %

1.34 %

1.39 %

0.88 %

0.67 %

Tangible common stockholders' equity:

Stockholders' equity $ 667,573

$ 624,428

$ 601,644

$ 490,336

$ 287,147

Less: goodwill and other intangible

assets

130

208

7,694

7,796

7,897

Less: preferred stock

-

30,000

30,000

Tangible Stockholders' Equity $ 667,443

$ 624,220

$ 593,950

$ 452,540

$ 249,250

Shares outstanding at end of period

50,450,045

51,679,516

51,969,203

45,074,322

30,686,256

Book valu

e per share $ 13.23

$ 12.08

$ 11.58

$ 10.21

$ 8.38

Tangible book value per share $ 13.23

$ 12.08

$ 11.43

$ 10.04

$ 8.12

33