Exhibit 99.2

CROSSFIRST BANKSHARES, INC. NASDAQ: CFB Earnings Conference Call First Quarter 2022 April 19th, 2022 M i k e M a d d o x , P r e s i d e n t & C E O B e n C l o u s e , C F O R a n d y R a p p , C C O & C R O H e a t h e r W o r l e y , D i r e c t o r o f I R

Legal disclaimer CROSSFIRST BANKSHARES, INC. FORWARD

LOOKING STATEMENTS. The financial results in this presentation reflect preliminary, unaudited results, which are not final un

til 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 sta

tements are often, but not always, made through the use of words or phrases such as "may," "might," "should," "could," "predi

ct," "potential," "believe," "expect," "continue," "will," "anticipate," "seek," "estimate," "intend," "plan," "strive," "pro

jectio

n," "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 a

re 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 th

at any such forward

looking statements are not guarantees of future performance and are subject to risks, assumptions, estimates and uncertaintie

s that are difficult to predict. Although we believe that the expectations reflected in these forward

looking s

tatements 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 condi

tions; our ability to effectively execute our growth strategy and manage our growth, including identifying and consummating s

uitable mergers and acquisitions; the

geographic concentration of our markets; fluctuation of the fair value of our investment secu

rities due to factors outside our control; our ability to successfully manage our credit risk and the sufficiency of our allo

wance; regulatory restrictions on our ability to grow due to our concentration in commercial real estate lending; our ability

to at

tract, hire and retain qualified management personnel; interest rate fluctuations; our ability to raise or maintain sufficien

t capital; competition from banks, cr

edit unions and other financial services providers; the effectiveness of our risk management f

ramework in mitigating risks and losses; our ability to maintain effective internal control over financial reporting; our abi

lity to keep pace with technological changes; system failures and interruptions, cyber

attacks and security breaches; employee erro

r, 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 fro

m tra

nsactions 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 insti

tution

s, 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 a

s of the date on which it is made, and we do not undertake any obligation to update or

review any forwardlooking statement, whether as a result of new information, future developments or otherwise, except as required by law. NONGAAP FINANCIAL INFORMATIO N. This presentation contains certain nonGAAP measures. These nonGAAP 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. The Company believes that the non-GAAP financial measures presented reflect industry conventions, or standard measures within the industry, and provide useful information to the Company’s management, investors and other parties interested in the Company’s operating performance. See reconciliations of certain nonGAAP measures included at the end of this presentation. MARKET AND INDUSTRY DATA. This presentation references certain market, industry and demographic data, foreca sts 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 reliablebut 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

Management Team CROSSFIRST BANKSHARES, INC. 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 More than 25 years of experience in financial services, asset and wealth management, banking, retail and transportation, including public company CFO experience Joined CrossFirst in July 2021 after serving as CFO of Waddell & Reed Financial, Inc. (formerly NYSE: WDR) until its acquisition in 2021 Significant experience leading financial operations as well as driving operational 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 experience in Texas in various credit, production, risk and executive roles Joined CrossFirst in March 2019 after a 19year career at Texas Capital Bank (NASDAQ:TCBI) serving as Executive Vice President and Chief Credit Officer from May 2015 until March 2019 B.B.A. Accounting, The University of Texasat 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 relations 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 AllAmerica Executive Team 2017 | Top Investor Relations

Professional & AllAmerica 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 3

2022 Strategic Vision CROSSFIRST BANKSHARES, INC. …As One Team. Invest in our people to enhance our culture Build our success to be recognized as a Gallup® Best Place To Work …Operating as One Bank. Accelerate our growth to increase loans, deposits, and fee income through our existing markets and new business verticals while prudently managing risk Evaluate technology partnerships to enhance our client experience, improve efficiencies, and empower our team …With a Shared Vision. Take a balanced approach to drive shareholder value and invest for future growth Support our strategic partners to make a positive impact in our communities 4

Our Approach to Employees

CROSSFIRST BANKSAHRES, INC.

Growing Team

Added four new producers during Q1 2022, including a new leader of our restaurant finance group

Gallup Focused

Organization

Companies focused on strengths have more engaged employees, higher customer engagement, an

d increased sales and profits

We are committed to contributing to our employees’ well

being and ensuring every employee has a voice

We are focused on strengths, engagement and performance, to build an exceptional workplace, develop our employees, and deliv

er on our extraordinary service promise

Managers focused on strengths and performance development

Engaged employees lead to engaged customers

Superior business

Performance

Technology Investment CROSSFIRST BANKSHARES, INC. DATA NATIVE ORGANIZATION FINTECH FUND INVESTMENT FUTURE FIT TECHNOLOGY STRATEGY CYBER & INFORMATION SECURITY DIGITAL TRANSFORMATION DataNative Organization Invested in infrastructure, enterprise data architecture plans, and integration of critical systems Fintech Partnerships Invested in two additional FinTech funds Aim to positively impact the client experience, increase client engagement, and leverage technology to enhance client processes Digital Transformation Investment in Digital Banking Platform to support client experience and growth opportunities Deployed new software to support automation and data efficiency Cyber & Information Security Continued enhancements to the Cyber & Information Security program including thirdparty service providers 6

Our Road to Success CROSSFIRST BANKSAHRES, INC. ONE TEAM Focusing on: Elevating our Strong Corporate Culture by Living our CrossFirst Values Attracting and Retaining High Performing Talent Wellbeing of our Employees ONE BANK Focusing on: Targeting Businesses and Professionals BranchLight 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 Total Assets %5.5 billion Gross Loans $4.3 billion Total Deposits $4.6 billion Book Value/ Share $12.53 7

First Quarter 2022 Highlights CROSSFIRST BANKSHARES, INC. Financial Performance Net Income $16.8M Diluted EPS $0.33 RO

E 10.4% ROA 1.23% Net Income Stable net interest income, sequentially declining 1% due to loan accrual changes and declining

PPP fees masking growth; increased 5% from Q1 2021 Fully tax equivalent NIM was stable decreasing 1bp during Q1 2022 and has

expand

ed 28bps from Q1 2021 Noninterest income increase of 3% from Q4 2021 and 19% increase from Q1 2021 on continued credit card a

nd treasury business growth Balance Sheet Loan portfolio increased 2% from Q4 2021, or 9% annualized. Ex

PPP, the portfolio increas

ed 3% from Q4 2021, or 12% annualized Total deposits decreased 1% from the prior quarter with a stable percentage of DDA Cred

it Quality Classified loans / total capital + combined ACL ratio decreased to 10.7% and has declined from 38.2% at Q1 2021 NC

Os / a

verage loans of 0.10% compared to 0.07% in Q4 2021 and 0.74% in Q1 2021 NPAs / average assets rose 6bps during the quarter to

0.64% and have declined 51bps from Q1 2021 (1) Represents a Non

GAAP financial measure, see Non

GAAP reconciliation slides at the

end of the presentation for more detail. (2) Includes the accrual for off

balance sheet credit risk from unfunded commitments (“RUC”) that resulted from CECL adoption on January 1, 2022.

EXPANDING OUR FOOTPRINT CROSSFIRST BANKSHARES, INC. AREAS OF FOCUS Continue to execute our organic growth strategy in existing markets Focus on new expansion in target markets where wecurrently have client business Evaluate expansion strategies in key target markets: De Novo Expansion: Hire experienced talent toexpand in 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 9

Net Interest Margin CROSSFIRST BANKSAHRES, INC. Yield on Loans & Cost of Deposits 3.94% 0.48% 3.99% 0.41% 4.00% 0.38% 4.17% 0.33% 4.00% 0.31% Q1 Q2 Q3 Q4 Q1 2021 2021 2021 2021 2022 Net Interest Margin FullyTax Equivalent (FTE)* 3.01% 3.14% 3.23% 3.20% 3.29% Q1 Q2 Q3 Q4 Q1 2021 2021 2021 2021 2022 Fully taxequivalent net interest margin decreased 1bp to 3.29% in Q1 2022 from Q4 2021, primarily due to nonaccrual changes, fewer days and continued declines in PPP Fees Loan to deposit ratio increased to 94% from 91% in Q4 2021 Current funding structure allows for significant additional capacity for borrowing or wholesale funding if necessary * For all quarters presented, investment yield accrual calculation changed to 30/360 from actual/actual and excludes unrealized gains and losses in the investment portfolio and earning assets 10

Net Interest Income Sensitivity CROSSFIRST BANKSAHRES, INC. Net Interest Income Impact From Rate Changes 3.01% 3.14% 3.23% 3.20 % 3.29% Q1 Q2 Q3 Q4 Q1 2021 2021 2021 2021 2022 Loans: Rate Reset and Cash Flow Profile 1.53% 0.58% 4.63% 1.87% 7.93% 3.44% 1.13% 5.22% +100 bps +200 bps +300 bps +400 bps Rate Shock * Rate Ramp* 61% 10% 9% 17% 3% 13 Months 412 Months 12 Years 25 Years >5 Years Anticipated asset sensitivity with rate increases driving potential expansion of net interest income Roughly 70% of Company’s earning assets reprice or mature over the next 12 months, with 51% in month 1 Note: Data as of March 31, 2022 * Rate Shock analysis: measures instantaneous parallel shifts in market rates Rate Ramp analysis: rate changes occur gradually over 12 months time Balance sheet size and mix held constant from month end position and includes average YTD loan fees (excluding PPP fees) 11

Loan Floor Analysis CROSSFIRST BANKSHARES, INC. Variable Loans (Computed Coupon minus Floor) [with floors > 0% and next reset date within 3 months] $49 $130 $133 $244 $920 Beyond 1% 0.51% to 1% 0.25% to 0.5% 0% to 0.25% At Floor or Above $550 millionof loans with floors in effect Future rate increases will drive higher loan yields as the impact of floors diminishes Note: Dollar amounts are in millions. Data as of March 31, 2022 12

Asset Quality Performance CROSSFIRST BANKSHARES, INC.

Classified Loans / (Total Capital + ACL + RUC * )

$268.9

$170.7

$124.1

$78.7

$73.3

38.2%

24.0%

17.3%

10.8%

10.7%

Q1

Q2

Q3

Q4

Q1

2021

2021

2021

2021

2022

Classified Loans

Ratio

Classified loans continue

to trend down 22% of classifieds in Q1 2022 relate to

Energy, down from 27% in Q4 2021 The energy portfolio represents less than 45% of our total capital Nonperforming Assets / As

sets

1.15%

1.09%

0.92%

0.58%

0.64%

Q1

Q2

Q3

Q4

Q1

2021

2021

2021

2021

2022

NPAs increased slightly due primarily to the

downgrade of a commercial and industrial loan 25% of the nonperforming asset balance in Q1 2022 relates to energy credits

Note: Dollar amounts are in millions.

* Includes the accrual for off

balance sheet credit r

isk from unfunded commitments (“RUC”) that

resulted from CECL adoption on January 1, 2022.

Asset Quality Performance CROSSFIRST BANKSHARES, INC. Net Charge

Offs / Average Loans(1) 0.74% 0.23% 0.13% 0.07% 0.10% Q1 Q2 Q3 Q4 Q1 2021 2021 2021 2021 2022 Allowance for Credit Losses / T

otal Loans

1.65% 1.78% 1.51% 1.37% 1.38% 1.27% $74.6 $75.5 $64.2 $58.4 $55.2 Q1 Q2 Q3 Q4 Q1 2021 2021 2021 2021 2022 Q1 2022 had $1.1 mi

llion of net charge

offs which consisted of loans in both energy and commercial and industrial credits Based on CECL adoption, red

uced ACL/Total Loans to 1.27% at end of Q1 2022 by releasing $625 thousand in reserves and added accrual for unfunded commitm

ents of $5.5 million Combined allowance for credit losses to nonperforming loans at the end of Q1 2022 was 169% Note: Dollar

amount

s are in millions Ratio is annualized for interim periods. Includes the $4.9 million accrual for off

balance sheet credit risk from unfunded commitments (“RUC”) that resulted from CECL adoption on January 1, 2022. 14

2022 Guidance CROSSFIRST BANKSHARES, INC. Business Driver Annual Outlook Loans Expect 810% core loan growth Deposits Expect continued deposit growth to fund lending growth with a continued focus on improving the DDA mix Net Interest Margin (NIM) Expect NIM to increase throughout the year as rates move higher as roughly 70% of our earnings assets are variable ACL / Loans Anticipated to remain in the 1.30% to 1.45% range, based on current economic conditions Effective Tax Rate Expect to remain in the 2023% range 15

CROSSFIRST BANKSAHRES, INC. Supplemental information 16

Stock Repurchase Activity CROSSFIRST BANKSHARES, INC. 51,680 51,679 50,959 51,003 50,450 49,728 610 88 576 0 566 1,058 Q4 Q1 Q2 Q3 Q4 Q1 2020 2021 2021 2021 2021 2022 # of Shares Repurchased # of Shares OutstandingRepurchased 2% of outstanding shares in Q1 2022 Return of accumulated capital and earnings to shareholders Drives improvementin ROE and EPS Little tangible book value dilution and a short earnback period Note: shares in thousands 17

capital Ratios C

ROSSFIRST BANKSHA

RES, INC.

Capital Ratios

12.0%

12.0%

13.3%

12.4%

12.4%

13.7%

12.6%

12.6%

13.9%

12.5%

12.5%

13.6%

11.9%

11.9%

12.9%

Q1

Q2

Q3

Q4

Q1

2021

2021

2021

2021

2022

Common Equity Tier 1

Tier 1 Risk Based

Total Risk

Based Capital

Maintaining strong capital levels to support future growth

Continue to remain well capitalized as we return capital to shareholders

Execution of our profitable growth strategy supports capital ratios

Capital ratios have decreased due to share repurchase ac

tivity and loan growth

18

Diverse loan portfolio CROSSFIRST BANKSHARES, INC. Loan Mix by Type ($4.3bn) Commercial & Industrial 33% Owner Occupied Real Estate 6% SBA PPP 1% Energy 6% Commercial Real Estate 45% Residential Real Estate 8% Other 1% Note: Gross loans, (net of unearned income) data as of March 31, 2022. 19

Diverse loan portfolio CROSSFIRST BANKSHARES, INC. CRE Loan Portfolio by Segment ($1.8bn) MultiFamily 16% Retail 15% Office 15% Industrial 11% 14 Family Res Construction 7% Hotel 11% Other 25% Commercial and Industrial Loan Breakdown by Type ($1.4bn) Restaurants 4% Financial Management 4% Aircraft & Transportation 8% Merchant Wholesalers 5% 18 Other Industries 44% Manufacturing 13% Business Loans to Individuals 7% Health Care 6% Engineering & Contracting 9% Note: Data as of March 31, 2022. 20

Balance Sheet Growth CROSSFIRST BANKSHARES, INC. 3,061 3,208 3,852 3,924 4,442 4,695 4,256 4,684 4,350 4,622 2018 2019 2020 2021 Q1 2022 Gross loans net of unearned fees Total deposits Balance sheet Q1 2022 QoQ 2018Q1 20220CAGR Gross Loans 2% 11% Gross Loans ex PPP* 3% 0% Total Deposits 1% 12% Total Assets 2% 10% Annualized loan growth of 12% during Q1 2022, excluding the impact of PPP* $34 million in PPP loans were forgiven in Q1 2022 $304 million in PPP loans were forgiven in 2021 Note: Dollars are in millions. * Represents a nonGAAP financial measure. See NonGAAP Reconciliation slides at the end of this presentation for additional detail. 21

expense management CROSSFIRST BANKSHARES, INC. $22.8 $25.8 $24.0 $26.7 $27.7 $4.9 $5.9 $4.5 $5.1 $5.2 $1.8 $1.8 $1.7 $1.9 $2.1 $2.5 $2.4 $2.4 $2.4 $2.5 $13.6 $15.7 $15.4 $16.5 $17.9 Q1 Q2 Q3 Q4 Q1 2021 2021 2021 2021 2022 Salaries & Benefits Occupancy Data Processing, Software & Comm Other Investments in talent and technology continue to account for the increase in expenses The increase in salaries and benefits wasdriven by continued hiring for production talent and annual merit increases Note: Dollars are in millions and amounts shown are asof the end of the period unless otherwise specified. 22

improving core funding base CROSSFIRST BANKSAHRES, INC. Total Deposits and % DDA5052435744374684462242573538347635213512795 81996111631110Q1Q2Q3Q4Q120212021202120212022DDAOther Deposits Cost of Deposits0.48% 0.41%0.38%0.33%0.31%Demand deposits have increased 40% since Q1 2021Deposit costs have trended down due to the persistent low-rate environmentDDA decreased due to seasonality related to tax payments Note: Dollars are in millions and amounts shown are as of the end of the period.23

Loan PortfolioCROSSFIRST BANKSHARES, INC.Gross Loans by Type$4,523$4,252$4,246$4,270$4,363$464$468$471$469 $460$2,096$2,073$2,064$2,055$2,145$343$326$293$279$272$1,620$1,385$1,415$1,467$1,486Q1Q2Q3Q4 Q120212021202120212022CommercialEnergyCommercial Real EstateConsumerLoan Yield 3.94% 3.99%4.00%4.17%4.00%The loan portfolio, excluding PPP loans*, at Q1 2022 grew 3.0% from previous quarterLoan growth primarily driven by commercial real estate and commercial and industrial portfoliosLine utilization continues to be less than historical average Grew loans despite $362mm in borrower paydownsNet balance of participationsand syndications was $54 million as of Q1 2022Note: Dollars are in millions and amounts shown are as of the end of the period.* Represents a nonGAAP financial measure. See Non-GAAP Reconciliation slides at the end of this presentation for additional detail.

PPP Loan SummaryCROSSFIRST BANKSAHRES, INC.Fee Recognition$336$2$197$109$3.7$4.2$1.7$3.0$1.3$1.7$0.9$0.8$2.2$0.5Q1 Q2Q2Q3Q3Q4Q4Q1Q1202120212021202120212021202120222022Round 1 Unrecongized FeesFee Recongnized Roudn 2 Unrecognized FeesPPP Timeline$5.9$4.7$111$129$96$13($44)$65($34) $31 $225($161)$68($88)Q1Q2Q2Q3Q3Q4Q4Q1Q1202120212021202120212021202120222022 EndForgiven EndForgivenEndForgivenEndForgivenEnd2020 PPP LoansLoan Forgiveness2021 PPP Loans Note: As of end of period; dollars in millions.25

Securities portfolio CROSSFIRST BANKSHARES, INC.Investment Portfolio Breakout as of March 31, 2022 Municipal Taxable1.0%Municipal TaxExempt 72.8%CMO (Fixed) 2.1%Other, 0.7%MBS (Fixed)23.4%Total: ~$723 millionSecurities Yield Fully Tax Equivalent3.01% 3.07%3.04%3.02%3.00% 2.45%2.58%2.58%2.54%2.61%Q1 2021Q2 2021Q3 2021Q4 2021`Q1 2022Securities Yield Cost of Funds SpredSecurities YieldAt the end of Q1 2022, the portfolio’s duration was approximately 4.8 years The fully taxable equivalent yield for Q1 2022 decreased 2bps to 3.00%The securities portfolio has unrealized loss of approximately $30 million as of March 31, 2022During Q1 2022, $47 million of securities were purchased at an average taxequivalent yield of 2.63% and there were $10 million in MBS paydownsBased on approximate fair value.A tax rate of 21% is used to calculate the fully tax equivalent yield26

Quarterly selected financials

CROSSFIRST BANKSHARES, INC.

(Dollars in thousands, except per share data)

CrossFirst Bankshares, Inc. Quarterly Financials

For the Three Months Ended

3/31/22

12/31/21

9/30/21

6/30/21

3/31/21

Income Statement Data

Interest income

47,760

49,202

47,311

48,484

48,153

Interest expense

4,645

5,757

5,510

6,156

7,036

Net interest income

43,115

43,445

41,801

42,328

41,117

Provision for credit losses

(625)

(5,000)

(10,000)

3,500

7,500

Non

interest income

4,942

4,796

(1,105)

5,825

4,144

Non

interest expense

27,666

26,715

24,036

25,813

22,818

Net income before taxes

21,016

26,526

26,660

18,840

14,943

Income tax expense

4,188

5,725

5,660

3,263

2,908

Net income

16,828

20,801

21,000

15,577

12,035

Non

GAAP core operating income(1)

16,828

20,801

25,898

14,245

12,035

Balance Sheet Data:

Cash and cash equivalents

276,927

482,727

316,722

220,814

630,787

Securities

722,778

745,969

708,106

712,217

685,454

Gross loans (net of unearned i

ncome)

4,349,568

4,256,213

4,233,117

4,237,944

4,508,600

Allowance for credit losses(2)

55,231

58,375

64,152

75,493

74,551

Goodwill and intangibles

110

130

149

169

188

Total assets

5,518,121

5,621,457

5,401,151

5,311,434

5,998,074

Non

interest

bearing deposits

1,110,284

1,163,224

960,999

818,887

794,559

Total deposits

4,621,680

4,683,597

4,436,597

4,356,627

5,051,570

Borrowings and repurchase agreements

226,600

236,600

276,600

283,100

286,394

Trust preferred securities, net of fair value adjustm

ents

1,022

1,009

997

986

974

Stockholders' Equity

623,199

667,573

652,407

637,190

628,834

Tangible common stockholders' equity(1)

623,089

$

667,443

652,257

637,021

628,646

Share and Per Share Data:

Basic earnings per common share

0.33

$

0.41

0.41

0.30

0.23

Diluted earnings per common share

0.33

0.40

0.41

0.30

0.23

Book value per share

12.53

13.23

12.79

12.50

12.17

Tangible book value per share(1)

12.53

13.23

12.79

12.50

12.16

Basic weighted average common shares outstanding

50,251,297

50,893,493

50,990,113

51,466,885

51,657,204

Diluted weighted average common shares outstanding

50,910,490

51,660,723

51,605,721

52,209,541

52,381,474

Shares outstanding at end of period

49,728,253

50,450,045

51,002,698

50,958,680

51,678,669

Repr

esents a non

-

GAAP financial measure. See Non

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

Implemented CECL on January 1, 2022, all prior quarters presented represent the allowance for loan losses.

Quarterly sele

cted financials

CROSSFIRST BANKSHARES, INC.

CrossFirst Bankshares, Inc. Quarterly Financials

For the Three Months Ended

3/31/22

12/31/21

9/30/21

6/30/21

3/31/21

Selected Ratios:

Return on average assets(1)

1.23

1.50

1.54

1.10

0.84

%

Non

GAAP core operating return on average assets(1)(2)

1.23

1.50

1.90

1.01

0.84

Return on average common equity

10.44

12.57

12.92

9.86

7.80

Yield on earning assets

3.59

3.65

3.56

3.51

3.45

Yield on earning assets

tax equivalent(3)

3.64

3.72

3.64

3.59

3.5

Yield on securities

2.59

2.49

2.46

2.52

2.48

Yield on securities

tax equivalent(3)

3.00

3.02

3.04

3.07

3.01

Yield on loans

4.00

4.17

4.00

3.99

3.94

Cost of funds

0.39

0.48

0.46

0.49

0.56

Cost of interest

bearing liabilities

0.51

0.61

0.57

0.59

0.65

Cost of interest

bearing deposits

0.41

0.43

0.47

0.50

0.57

Cost of deposits

0.31

0.33

0.38

0.41

0.48

Cost of other borrowings

1.95

3.03

1.82

1.79

1.79

Net interest margin

tax equivalent(3)

3.29

3.30

3.23

3.14

3.01

Non

interest expense to average assets

2

.02

1.93

1.76

1.82

1.60

Efficiency ratio(4)

57.57

55.38

59.06

53.61

50.41

Non

GAAP core operating efficiency ratio (FTE)(2)(4)

56.66

54.52

50.45

53.34

49.64

Non

interest bearing deposits to total deposits

24.02

24.84

21.66

18.80

15.73

Loans to

deposits

94.11

%

90.87

%

95.41

97.28

89.25

%

Credit Quality Ratios:

Allowance for credit losses to total loans

1.27

1.37

1.51

1.78

%

1.65

%

Allowance for credit losses + RUC to total loans(5)

1.38

-

Nonperforming assets to total assets

0.64

0.58

0.92

1.09

1.15

Nonperforming loans to total loans

0.79

0.74

1.15

1.33

1.48

Allowance for credit losses to nonperforming loans

159.60

185.19

131.76

133.79

112.10

Net charge

offs (recoveries) to average loans(1)

0.10

0.07

0.13

%

0.23

%

0.74

%

Capital Ratios:

Total stockholders' equity to total assets

11.29

%

11.88

12.08

%

12.00

%

10.48

%

Common equity tier 1 capital ratio

11.88

12.46

12.61

12.40

12.00

Tier 1 risk

based capital ratio

11.90

12.48

12.63

12.42

12.02

Total risk

based

capital ratio

12.92

13.61

13.88

13.67

13.27

Tier 1 leverage ratio

11.61

11.84

11.77

10.81

%

10.51

%

(1) Interim periods are annualized.

(2) R

epresents a non

GAAP financial measure. See Non

GAAP Reconciliation slides at the end of this presentation fo

r 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 t

he sum of net interest income and non

interest income; non

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

core or non

recurring ite

ms

(5) Includes the accrual for off

balance sheet credit risk from unfunded commitments (“RUC”) that resulted

from CECL adoption on January 1, 2022. As of March 31, 2022, the allowance for credit losses was $55.2 million and the accrua

l for off

balance sheet credit risk from unfunded commitments was $4.9 million.

28

Non

gaap reconciliations

CROSSFIRST BANKSH

ARES, INC.

For the Three Months Ended

(Dollars in thousands)

3/31/22

12/31/21

9/30/21

6/30/21

3/31/21

Non

GAAP Core Operating Income:

Net income

16,828

20,801

21,000

15,577

12,035

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

16,828

20,801

25,898

14,245

12,035

Non

GAAP Core Operating Return on Average Assets:

Net income

$

16,828

$

20,801

21,000

15,577

$

12,035

Non

GAAP core operating income

16,828

20,801

25

,898

14,245

12,035

Average assets

5,563,739

$

5,490,482

5,408,984

5,673,638

$

5,798,167

GAAP return on average assets

1.23

%

1.50

1.54

1.10

0.84

Non

GAAP core operating return on average assets

1.23

1.50

1.90

%

1.01

%

0.84

%

Non

GAAP Core Operating Return on Average Equity:

Net income available to common stockholders

16,828

20,801

$

21,000

15,577

12,035

Non

GAAP core operating income available to common stockholders

16,828

20,801

25,898

14,245

12,035

Average common equ

ity

653,747

656,415

644,715

633,417

625,875

Less: average goodwill and intangibles

121

140

160

179

199

Average Tangible Equity

653,626

656,275

644,555

633,238

$

625,676

GAAP return on average common equity

10.44

%

12.57

%

12.92

9.86

7.80

Non

GAAP core return on average tangible common equity

10.44

%

12.57

15.94

9.02

7.80

Non

GAAP Core Operating Efficiency Ratio:

Non

interest expense

$

27,666

$

26,715

$

24,036

25,813

22,818

Less: Accelerated employee benefits

719

Non

GAAP non

interest expense

(numerator)

27,666

26,715

24,036

25,094

22,818

Net interest income

43,115

43,445

41,801

42,328

41,117

Tax equivalent interest income(4)

775

762

748

734

704

Non

interest income

4,942

4,796

(1,105)

5,825

4,144

Add: Unr

ealized loss on equity securit

6,200

Less: BOLI settlement benefits

1,841

Non

GAAP operating revenue (denominator)

48,832

49,003

47,644

$

47,046

45,965

GAAP Efficiency Ratio

57.57

%

55.38

%

59.06

%

53.61

50.41

Non

GAAP core

operating efficiency ratio (FTE)

56.66

%

54.52

50.45

53.34

%

49.64

%

No tax effect.

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

Represents the tax impact of the adjustments above at a tax rate of 21.0%, plus a permanent tax ben

efit 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%.

29

Non

gaap reconciliations

CROSSFIRST BANKSHARES, INC.

3/31/22

(Dollars in thousands, except per share data)

Tangible common stockholders' equity:

Stockholders’ equity

Less: goodwill and other intangible assets

623,199

Tangible Stockholders' Equity

623.089

Shares outstanding at end of period

49,728,253

Book va

lue per share

12.53

Tangible book value per share

12.53

For the Three Months Ended

12/31/21

9/30/21

667,573

652,407

130

149

667.443

652,2.58

50,450,045

51,002,698

13.23

$

12.79

13.23

A.

1279

6/30/21

3/31/21

$

637,190

628,834

169

188

$

637,02.1

628.646

50,958,680

51,678,669

12.50

.$

12.17

JL

12.50

jL

12.16

For the Three Months Ended

3/31/2022

12/31/2021

9/30/2021

6/30/2021

3/31/2021

Cross loans, net of unearned income

Less: PPP loans, net of unearned income

4,349.558

31,200

S 4,25

6,213

64.805

S 4,233,117

109.465

S 4,237.944

197.084

4.508.600

336,355

Non

PPP gross loans, net of unearned income

4,318.358

S 4,191.408

S 4,123,652

S 4.040.860

4,172,245

Year

over

year loan growth

Non

CAAP year

over

-

year loan growth

excluding PPP loans Linked quarter loan growth

Non

CAAP linked quarter loan growth excluding PPP loans

(3.53) %

4.00

2.19

3.03 %

Allowance for loan losses

55,231

58.375

64,152

75.493

74,551

Allowance for loan losses to gross loans, net of unearn

ed income

1.27 %

1.37 %

1.51 %

1.78 %

1.65 %

Allowance for loan losses to non

PPP gross loans, net of unearned income

1.28 %

1.39 %

1.56 %

1.87 %

1.79 %

30