Proprietary & Confidential INVESTOR PRESENTATION | Q3 2021 atlanticcapitalbank.com NASDAQ TICKER: ACBI

atlanticcapitalbank.com Forward-Looking Statements Disclaimer and Non-GAAP Financial Information This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). 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,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “strive,” “projection,” “would,” 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, 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. The following risks, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: The pending merger with SouthState Corporationg; the impact of the COVID-19 pandemic and the responses of governmental authorities on our operations, including declines in credit quality, strains on capital and liquidity, fluctuations in our fintech and payments processing business, and declines in deposits; our participation in the Paycheck Protection Program administered by the Small Business Administration (“SBA”); our strategic decision to focus on the greater Atlanta market may not positively impact our financial condition in the expected timeframe, or at all; costs associated with our growth and hiring initiatives in the Atlanta market area; risks associated with geographic concentration, borrower concentration and concentration in commercial real estate and commercial and industrial loans; our strategic decision to increase our focus on SBA and franchise lending may expose us to additional risks associated with these types of lending, including industry concentration risks, our ability to sell the guaranteed portion of SBA loans, the impact of negative economic conditions on small businesses’ ability to repay the non-guaranteed portions of SBA loans, and changes to applicable federal regulations; risks associated with our ability to manage the planned growth of our fintech and payments processing business, including evolving regulations, security risks, and unforeseen increases in transaction volume resulting from changes in our customers’ businesses and changes in the competitive landscape for fintech and payments processing; changes in asset quality and credit risk; the cost and availability of capital; customer acceptance of our products and services; customer borrowing, repayment, investment and deposit practices; the introduction, withdrawal, success and timing of business initiatives; the impact, extent, and timing of technological changes; severe catastrophic events in our geographic area; a weakening of the economies in which we conduct operations may adversely affect our operating results; the U.S. legal and regulatory framework could adversely affect the operating results of the Company; the interest rate environment may compress margins and adversely affect net interest income; our ability to anticipate or respond to interest rate changes correctly and manage interest rate risk presented through unanticipated changes in our interest rate risk position and/or short- and long-term interest rates; changes in trade, monetary and fiscal policies of various governmental bodies and central banks could affect the economic environment in which we operate; our ability to determine accurate values of certain assets and liabilities; adverse developments in securities, public debt, and capital markets, including changes in market liquidity and volatility; unanticipated changes in our liquidity position, including but not limited to our ability to enter the financial markets to manage and respond to any changes to our liquidity position; the impact of the transition from LIBOR and our ability to adequately manage such transition; adequacy of our risk management program; increased competitive pressure due to consolidation in the financial services industry; risks related to security breaches, cybersecurity attacks, and other significant disruptions in our information technology systems; and other risks and factors identified in our most recent annual report on Form 10-K and our other reports filed with or furnished to the Securities and Exchange Commission (“SEC”) from time to time. Statements included in this presentation include non-GAAP financial measures and should be read along with the accompanying tables, which provide a reconciliation of non-GAAP financial measures common to GAAP financial measures. Atlantic Capital management uses non-GAAP financial measures, including:(i) taxable equivalent net interest income, (ii) taxable equivalent net interest margin, (iii) tangible book value per common share, (iv) tangible common equity to tangible assets;(v) pre-provision net revenue, (vi) allowance for credit losses to loans held for investment excluding Paycheck Protection Program (“PPP”), and (vii) allowance for loan losses to loans held for investment excluding PPP. Tangible common equity excludes goodwill from shareholders’ equity. Management believes that non-GAAP financial measures provide a greater understanding of ongoing performance and operations, and enhance comparability with prior periods. Non-GAAP financial measures should not be considered as an alternative to any measure of performance or financial condition as determined in accordance with GAAP, and investors should consider Atlantic Capital’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP financial measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial condition as reported under GAAP. Non-GAAP financial measures may not be comparable to non-GAAP financial measures presented by other companies. 2

atlanticcapitalbank.com Important Additional Information and Participants in the Merger SouthState filed a registration statement on Form S-4 with the SEC on September 15, 2021, to register the shares of SouthState common stock that will be issued to Atlantic Capital’s shareholders in connection with the merger. The registration statement, which became effective on October 15, 2021, includes a proxy statement/prospectus and other relevant materials in connection with the transaction. BEFORE MAKING ANY VOTING OR INVESTMENT DECISION, INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE PROXY STATEMENT/PROSPECTUS REGARDING THE MERGER AND ANY OTHER RELEVANT DOCUMENTS CAREFULLY IN THEIR ENTIRETY BECAUSE THEY CONTAIN IMPORTANT INFORMATION ABOUT THE MERGER. Investors and security holders may obtain free copies of these documents and other documents filed with the SEC on its website at http://www.sec.gov. Investors and security holders may also obtain free copies of the documents filed with the SEC by Atlantic Capital on our website at www.atlanticcapitalbank.com and by SouthState on its website at www.southstatebank.com. This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval. Before making any voting or investment decision, investors and security holders of Atlantic Capital and SouthState are urged to read carefully the entire registration statement and proxy statement/prospectus, including any amendments thereto, because they contain important information about the merger. Free copies of these documents may be obtained as described above. Atlantic Capital and SouthState, and certain of their respective directors, executive officers and other members of management and employees, may be deemed to be participants in the solicitation of proxies from Atlantic Capital’s shareholders in respect of the merger. Information regarding such persons who may be deemed participants in the solicitation of proxies from Atlantic Capital’s shareholders is included in the proxy statement/prospectus for Atlantic Capital’s meeting of shareholders, which was filed by SouthState on Form S-4 on September 15, 2021 and declared effective on October 15, 2021. Information about Atlantic Capital’s directors and executive officers and their ownership of Atlantic Capital common stock can also be found in definitive proxy statement filed in connection with its 2021 annual meeting of shareholders on May 20, 2021, and other documents subsequently filed by Atlantic Capital with the SEC. Information about SouthState’s directors and executive officers and their ownership of SouthState common stock can also be found in SouthState’s definitive proxy statement filed in connection with its 2021 annual meeting of shareholders on April 28, 2021, and other documents subsequently filed by SouthState with the SEC. Information regarding the interests of such participants is included in the proxy statement/prospectus and other relevant documents regarding the merger filed with the SEC. 3

atlanticcapitalbank.com Q3 2021 Performance Highlights Performance Highlights Credit Update 4 • Reported net income was $13.3 million or $0.65 per diluted share. • Loans held for investment, excluding PPP loans, increased 12% annualized on a linked quarter basis and 14% year over year. • Quarterly average deposits increased 13% annualized on a linked quarter basis and 38% year over year. • Cost of deposits decreased to 0.08% compared to 0.10% in the second quarter of 2021. • The provision for credit losses was negative $2,405,000 reflecting an improved economic outlook and positive credit migration, partially offset by loan growth. • Credit quality continued to improve with criticized assets down 32% from the second quarter of 2021, no net charge-offs in the third quarter and non-performing assets at 0.10% of total assets at September 30, 2021. Merger Update • On July 22, 2021, Atlantic Capital and SouthState Corporation (“SouthState”) entered into an Agreement and Plan of Merger, pursuant to which Atlantic Capital will merge with and into SouthState, with SouthState as the surviving corporation in the merger. • The merger remains subject to approval by our shareholders at the Special Meeting, which will be held virtually on November 16, 2021 at 10:00 a.m., Eastern Time. • Received regulatory approval from the Office of the Comptroller of the Currency; awaiting approval from the Board of Governors of the Federal Reserve System. • Merger is expected to close in the first quarter of 2022, subject to outstanding regulatory and shareholder approvals and other customary closing conditions.

atlanticcapitalbank.com Financial Highlights: Continuing Operations (1) Pre-provision net revenue (PPNR) is calculated as the sum of taxable equivalent net interest income and noninterest income less noninterest expense (except provision for credit losses). Dollars in millions. For a reconciliation of this non-GAAP financial measure, see slides 28-29. (2) Dollars in millions. (3)Taxable equivalent. (4) Amounts are estimates as of September 30, 2021. Please see reconciliation on slides 28-29 for more details. (5) Percentage changes are annualized. Income Balance Sheet(2) METRICS Q2 2021 Q3 2021 Change vs Performance Measures Q3 2020 Q3 2020 Q2 2021(5) Capital Ratios Diluted EPS $ 0.65 $ 0.58 $ 0.40 $ 0.07 48% $ 0.25 63% Pre-provision net revenue (PPNR) (1) 14.7 14.4 10.9 0.3 9% 3.9 36% Total loans held for investment (period-end) $ 2,274 $ 2,265 $ 2,188 $ 9 2% $ 86 4% Total loans excluding PPP loans 2,226 2,159 1,956 67 12% 270 14% Total deposits (quarterly average) 3,414 3,308 2,472 106 13% 942 38% Non-interest bearing deposits (quarterly average) 1,375 1,296 855 79 24% 520 61% Tangible book value per common share $ 16.94 $ 16.40 $ 15.11 Net interest margin (3) 2.69 % 2.91 % 3.14 % Return on average equity 14.69 13.60 10.05 Efficiency ratio 51.12 51.97 56.61 Tangible common equity to tangible assets 8.21 % 8.86 % 11.45 % Leverage ratio (4) 8.5 8.4 9.9 Total risk based capital (4) 15.9 16.0 16.9 (22 bps) (85 bps) $0.54 (65 bps) (324 bps) (10 bps) 100 bps $1.83 (45 bps) (549 bps) 10 bps (140 bps) 464 bps 109 bps 5

Owner-occupied CRE 18% atlanticcapitalbank.com Commercial Lending Focus $688 $790 $944 $1,063 $1,134 $1,115 $1,160 $1,204 $622 $605 $653 $686 $681 $693 $745 $752 $176 $203 $184 $192 $61 $62 $80 $73 $65 $71 $70 $77 $144 $192 $219 $106 $48 $1,519 $2,301 Loans from Continuing Operations Loan yield Commercial(1) CRE(2) Consumer Mortgage Warehouse 3.79% 4.27% 5.01% 5.26% 3.89% 3.89% 4.19% 3.91% $1,515 $1,728 Dollars in millions. Prior periods have been retrospectively adjusted for the impact of discontinued operations. (1) Commercial loans include commercial and industrial and owner occupied CRE loans. (2) CRE loans include non-owner occupied and construction and land. (3) Other loans include residential mortgages, home equity, and other loans. $1,874 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 3/31/2021 6/30/2021 9/30/2021 PPP Loan yield excluding PPP loans $2,249 Highlights • Loans held for investment, excluding PPP loans, increased 12% annualized from the second quarter and 14% year-over-year 3.86% 3.83% 3.95% 3.71% Residential 3% Multifamily 3% Consumer and other 9% PPP 2% C&I 35% Fixed 50% Floating 48% PPP 2% Construction & Land 9% Commercial Real Estate 21% Other(3) 6 $2,265 $2,274

atlanticcapitalbank.com Strong Core Deposit Franchise 28% 32% 33% 33% 34% 36% 39% 40% 56% 56% 61% 61% 58% 53% 49% 49% 1% 1% 1% 1% 5% 9% 9% 8% 15% 3% 3% 3% 3% 11% 5% $3,157 5% Average Deposits from Continuing Operations Dollars in millions. Deposit figures represent average balances. Prior periods have been retrospectively adjusted for the impact of discontinued operations. DDA NOW, Money Market & Savings Time $1,540 $1,633 Deposit cost $1,419 $1,805 0.28% 0.38% 0.52% 0.77% 0.31% 0.12% 0.10% 0.08% 2016 2017 2018 2019 2020 Q1 2021 Q2 2021 Q3 2021 Brokered Highlights • Continued strong growth in deposits: • Quarterly average deposits increased 13% annualized compared to the first quarter and or 38% year-over-year • Growth in treasury management and processing relationships has resulted in strong DDA growth. • 40% of total deposits • Q3 2021 vs Q3 2020: 61% • Q3 2021 vs Q2 2021: 25% annualized • The cost of interest bearing deposits decreased 0.02% to 0.15% in Q3 2021. $2,504 7 $3,308 $3,414

atlanticcapitalbank.com Atlanta’s Hometown Business Bank • C&I Banking – Entrepreneurs and emerging growth companies value experienced commercial bankers attuned to clients’ needs. • Commercial Real Estate – Established relationships with experienced developers of institutional grade properties. • Private Banking - Personalized banking service for owners/operators and other private clients. Atlanta Market Highlights Atlanta Loan and Deposit Composition – 9/30/2021 Loans QTD Average Deposits Commercial & Private Banking 87% Commercial & Private Banking 58% Real Estate Banking 40% $1,228 $1,428 Commercial & Private Banking 90% Real Estate Banking 10% Commercial & Private Banking 60% Dollars in millions Focused on commercial clients and individuals that value high touch relationships and expertise Atlanta Loans Atlanta Deposits $731 $785 $885 $948 $1,166 $1,421 $1,367 $1,428 0.19% 0.19% 0.34% 0.57% 0.23% 0.10% 0.07% 0.08% 2016 2017 2018 2019 2020 Q1 2021 Q2 2021 Q3 2021 Average Deposits Cost of Deposits 8 $870 $943 $1,050 $1,114 $1,114 $1,149 $1,201 $1,228 3.83% 4.24% 4.98% 5.11% 3.88% 3.55% 3.55% 3.55% Loans Yield on loans 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 6/30/21 9/30/21

atlanticcapitalbank.com Rapidly Growing Fintech & Payments Businesses • Powering fintech and payments companies across the US • Rapidly growing recurring revenue stream • Top 40 ACH Bank in the US(1) • Diversified platform of capabilities • High volume ACH • Fintech partnerships • Card issuance (focused on debit & prepaid) • Private Equity banking Average Deposits – Payments & Processing Businesses ($ in millions) Loans ($ in millions) Highlights Service Charge Income ($ in thousands) $906 $1,243 $1,529 $1,977 $3,438 $2,442 $4,009 2016 2017 2018 2019 2020 YTD 2020 YTD 2021 $224 $283 $322 $421 $661 $1,129 0.32% 0.40% 0.52% 0.66% 0.19% 0.05% 2016 2017 2018 2019 2020 YTD 2021 Deposits Cost of Deposits (1)by National Automated Clearing House Association (NACHA) 9 $31 $37 $46 $64 $243 $252 $267 $252 4.14% 4.54% 5.23% 5.30% 3.35% 2.99% 3.56% 2.94% Loans Yield on loans 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 6/30/21 9/30/21

atlanticcapitalbank.com Financial Update: Q3 2021 Income Summary Net interest income(1) 25,145 $ 26,035 $ 22,063 $ 14% Provision for credit losses (2,405) (933) 28 -8689% Noninterest income 4,609 3,584 2,504 84% Noninterest expense 15,018 15,197 13,713 10% Income before taxes 17,141 15,355 10,826 58% Income tax expense 3,837 3,539 2,208 74% Net income from continuing operations 13,304 $ 11,816 $ 8,618 $ 54% Diluted EPS - continuing operations 0.65 $ 0.58 $ 0.40 $ 63% Pre-provision net revenue (PPNR)(2) 14,736 $ 14,422 $ 10,854 $ 36% Q3 2020 Q2 2021 Q3 2021 Q3 2021 Highlights(3) Dollars in thousands except EPS. (1)Net interest income is taxable equivalent and a non-GAAP financial measure. Please see reconciliation on slides 28-29 for more details. (2) Pre-provision net revenue (PPNR) is calculated as the sum of taxable equivalent net interest income and noninterest income less noninterest expense (except provision for credit losses). Dollars in thousands. For a reconciliation of this non-GAAP financial measure, see slides 28-29. (3)Q3 2021 results compared to Q2 2021 results. Change vs Q3 20 10 • Net interest income benefitted from strong balance sheet growth • Reversal of allowance for credit losses was due to improved economic outlook and positive credit migration, partially offset by loan growth. • Noninterest income increased from higher service charge income, increase in SBA income and other income increased from SBIC fund investments.

atlanticcapitalbank.com Balance Sheet Liquidity 89% 77% 72% 68% 66% Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 • Atlantic Capital’s liquidity position remains strong, benefitting from continued strong deposit growth across most lines of business. 11 Dollars in millions Average Loan / Deposit Ratio Liquidity Portfolio – Average Balance $136 $436 $562 $688 $594 $453 $491 $580 $657 $733 $122 Reverse repurchase agreements Investment securities Interest bearing deposits in other banks $590 $927 $1,141 $1,344 $1,450

atlanticcapitalbank.com Net Interest Margin NIM by Quarter(1) Net Interest Income by Quarter(1) Dollars in thousands Income and margin from continuing operations (1)Net interest income and net interest margin are taxable equivalent and are non-GAAP financial measures. Taxable equivalent net interest income is used in calculating taxable equivalent net interest margin. Please see reconciliation on slides 28-29 for more details. Net interest margin Net interest margin adjusted for excess cash Net interest income (excl. PPP) PPP interest income 3.14% 2.91% 2.81% 2.91% 2.69% 3.14% 3.18% 3.17% 3.39% 3.03% Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 12 $20,475 $20,685 $21,492 $23,065 $23,273 $1,588 $2,304 $2,218 $2,970 $1,872 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 $22,063 $22,989 $26,035 $25,145 $23,710 • The impact of excess cash balances from strong deposit growth negatively impacting the net interest margin • PPP loans benefitted the net interest margin by 10 bps in Q4 2020, 11 bps in Q1 2021, 21 bps in Q2 2021 and 15 bps in Q3 2021.

atlanticcapitalbank.com Noninterest Expense Overview Dollars in thousands (1) Continuing operations Noninterest Expense and Efficiency Ratio by Year(1) Noninterest Expense $50,099 $52,834 $49,991 $53,108 $52,659 76.3% 70.4% 57.9% 58.0% 54.1% 2016 2017 2018 2019 2020 Noninterest Expense and Efficiency Ratio by Quarter $13,713 $13,164 $15,149 $15,197 $15,018 56.6% 51.3% 56.3% 52.0% 51.1% Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Noninterest Expense Efficiency Ratio 13 Q3 2021 Highlights • Received an employee retention credit of about $3 million in Q3 associated with the CARES Act. • Merger related expenses totaled about $2.9 milling during Q3. Q3 2021 Q2 2021 Q3 2020 Salaries and employee benefits 10,290 10,362 8,850 1,440 16% Employee retention credit (3,035) - - (3,035) Occupancy 756 778 739 17 2% Equipment and software 857 819 826 31 4% Professional services 737 723 562 175 31% Communications and data processing 889 869 757 132 17% FDIC 478 421 213 265 124% Merger and conversion costs 2,899 - - 2,899 Other noninterest expense 1,147 1,225 1,766 (619) (35%) Noninterest expense 15,018 $ 15,197 $ 13,713 $ 1,305 $ 10% Year-over-Year

atlanticcapitalbank.com Strong Credit Quality Non-performing Assets / Total Assets Net Charge-Offs / Total Average Loans (0.01%) 0.05% 0.11% 0.23% 0.02% 0.11% 0.11% 0.05% 2014 2015 2016 2017 2018 2019 2020 YTD 2021 0.12% 0.40% 0.13% 0.14% 0.20% 0.26% 0.13% 0.06% 0.14% 0.10% Highlights Classified Loans / Total Loans 1.40% 0.66% 1.68% 1.76% 2.10% 1.99% 3.25% 2.10% 2.26% 1.86% 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 6/30/21 9/30/21 • Overall credit quality remained solid with limited charge-offs and non- accruals. • Criticized loans decreased 32% from 6/30/2021 primarily due to upgrades. • Classified loans decreased from 2.3% of total loans as of 6/30/2021 to 1.9% as of 9/30/2021. • Allowance for credit losses decreased from 1.33% of loans excluding PPP to 1.18%. • Net charge-offs year-to-date were 0.05% annualized, non-performing assets remain low at 0.10% of totals assets. 14 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 6/30/21 9/30/21

atlanticcapitalbank.com Current Expected Credit Losses (CECL) $19,848 $27,734 $35,085 $34,765 $34,946 $30,189 $28,688 $26,304 1.06% 1.43% 1.80% 1.78% 1.70% 1.45% 1.33% 1.18% 1.43% 1.61% 1.59% 1.55% 1.31% 1.27% 1.16% Day 1 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 9/30/21 Allowance for Credit Losses (ACL) Allowance for Loan Losses (ALL) ACL/Loans HFI excluding PPP(1) ACL/Loans HFI ALL/Loans HFI excluding PPP(1) ALL/Loans HFI $17,681 $24,896 $31,605 $31,894 $31,818 $27,506 $26,123 $23,924 0.94% 1.29% 1.62% 1.63% 1.55% 1.32% 1.21% 1.07% 1.29% 1.45% 1.46% 1.41% 1.20% 1.15% 1.05% Day 1 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 9/30/21 ACL ALL Dollars in thousands (1)For a reconciliation of this non-GAAP financial measure, see slides 28-29. 15 • Reversal of allowance for credit losses was due to loan upgrades and improved forecasts. • Allowance for credit losses remains robust at 1.16% of loans (1.18% excluding PPP loans).

atlanticcapitalbank.com Paycheck Protection Program (PPP) Update Dollars in thousands • $1.2 million in fees still to be recognized • 252 PPP loans totaling $57 million forgiven during the third quarter 16 Ending Balances and Total Yield Interest and Fee Income $231,834 $192,160 $218,766 $105,684 $48,304 2.71% 4.22% 4.46% 7.29% 9.30% 9/30/2020 12/31/2020 3/31/2021 6/30/2021 9/30/2021 $1,589 $2,304 $2,218 $2,970 $1,872 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 PPP Interest and Fee income PPP Ending Balances PPP Total Yield

Appendix

atlanticcapitalbank.com Management Biographies Douglas Williams President and Chief Executive Officer • President and CEO of Atlantic Capital since its inception • Former Managing Director and Head of Wachovia Corporation’s International Corporate Finance Group • Held numerous roles within Wachovia, including EVP and Head of the Global Corporate Banking Division; CRO for all corporate, institutional, and wholesale banking activities; EVP and Co-Head of Wachovia’s Capital Markets Division and EVP and Head of Wachovia’s US Corporate Banking Division • Former chairman of the Community Depository Institutions Advisory Council (CDIAC) of the Federal Reserve Bank of Atlanta and its representative to the CDIAC of the Federal Reserve Board of Governors • Serves on the Boards of the Metro Atlanta Chamber of Commerce and the Georgia Chamber of Commerce, is a Member of the Buckhead Coalition, and former member of YMCA of Metropolitan Atlanta and the High Museum of Art boards • President, Atlanta Division of Atlantic Capital since December 2019 • EVP, General Banking Division Executive of Atlantic Capital from 2017 through 2019 • CRO of Atlantic Capital from its inception through 2017 • Former Chief Credit Officer for Wachovia’s Capital Finance business • Former Head of Risk Management for all of Wachovia’s Capital Markets business • Serves on the Board of Trustees at Children’s Literature for Children • CFO of Atlantic Capital since NASDAQ listing in 2015 • Former CFO of Square 1 Financial, Inc. • Former EVP and CFO of Encore Bancshares, Inc. • Former SVP and Treasurer of Sterling Bancshares, Inc. • Chartered Financial Analyst • EVP and CRO of Atlantic Capital since October 2017 • Senior Risk Management Officer at Atlantic Capital from inception • Former Director in Wachovia’s Risk Management Division supporting Corporate, Investment Banking and Capital Markets groups • Former Client Management and Risk Management Officer in Wachovia’s middle market commercial group in North Carolina Gray Fleming Executive Vice President, Chief Risk Officer • President, Corporate Financial Services Division since December 2019 • EVP at Atlantic Capital from inception through December 2019 • Former Managing Director and Group Head for Wachovia Securities’ Continental European Group • Member of TWIN (The World Innovation Network – Chicago), Fiserv’s Commercial Payments Advisory Board and a former executive in residence at Juniata College in Pennsylvania Kurt Shreiner President, Corporate Financial Services Division Patrick Oakes, CFA Executive Vice President, Chief Financial Officer Rich Oglesby President, Atlanta Division 18

atlanticcapitalbank.com Atlanta’s Hometown Business Bank • Proven underwriting; superior credit quality • Lead with strong risk and compliance • Strong capital • Capitalize on Atlanta market opportunities • Fintech and processing businesses • Core deposit strength Fundamentally Sound Positioned for Growth TOTAL ASSETS $4.2 Billion • Atlanta’s Hometown BUSINESS BANK • Fast growing FINTECH & PAYMENTS businesses • EMERGING GROWTH and ENTREPRENEURIAL focus • Continued INVESTMENT IN TECHNOLOGY 19

atlanticcapitalbank.com Atlanta’s Hometown Business Bank Atlanta metro highlights: •#1 for economic growth potential (among large metro areas) • 16 Fortune 500 headquarters •#1 world’s busiest airport •#4 metro area for largest increase in population (2018-2019) •#2 moving destination • 70% of all US payments are processed through Georgia Sources: Metro Atlanta Chamber, City Data, Penske and American Transaction Processors Coalition Atlanta MSA GDP $200 $250 $300 $350 $400 2013 2014 2015 2016 2017 2018 2019 Billions 20

atlanticcapitalbank.com Investment Portfolio Portfolio Yield Tax-exempt Municipal 30% Taxable Municipal 11% MBS 50% Agency CMO 5% Corporate 3% CDs 1% Sector Allocation at 9/30/2021 1.73% 2.25% 2.48% 2.69% 2.88% 2.32% 2016 2017 2018 2019 2020 Q3 2021 Municipal Bond Ratings 9/30/2021 AAA 44% AA+ 22% AA 30% AA- 3% Other 1% Portfolio Balance $348 $449 $402 $399 $536 $773 Extended portfolio duration to manage interest rate risk 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 9/30/21 21 Dollars in millions

atlanticcapitalbank.com Summary of Loan Portfolio Borrowers by State(2) Highlights C&I Concentrations(1) (2) CRE Concentrations by Property Type(1) GA $1,327MM, 68% FL $121MM, 6% TN $108MM, 5% NC $46MM, 2% SC $36MM, 2% Other $324MM, 17% (GA 78% excluding SBA and Franchise) (1) Commercial includes commercial and industrial, owner-occupied CRE; CRE includes non-owner occupied CRE, multifamily, construction (2) Excludes Trinet, PPP, and fintech partnership consumer loans Office $145MM, 19% Retail $144MM, 19% Industrial $136MM, 18% Hotel $128MM, 17% Multi-family $76MM, 10% Specialty Housing $43MM, 6% Other $79MM, 11% Restaurants and food $200MM, 17% Manufacturing $168MM, 14% Retail $162MM, 13% Wholesale $103MM, 9% Other construction $88MM, 7% Finance and insurance $63MM, 5% Other $240MM, 20% Real estate lessors $47MM, 4% Transportation $74MM, 6% • $2.3 billion in total loans as of 9/30/2021 • Includes $48 million of PPP loans • Commercial focused loan portfolio • 88% commercial and CRE(1) • Concentrated in the Southeast • Granular portfolio 22 Administrative support $59MM, 5%

atlanticcapitalbank.com Loan Portfolio by Risk Rating Pass Special Mention Substandard Doubtful Total Pass Special Mention Substandard Doubtful Total Commercial - commercial and industrial 798,718 $ 18,648 $ 21,003 $ 372 $ 838,741 $ 818,155 $ 38,319 $ 16,856 $ - $ 873,330 $ Commercial - commercial real estate 918,381 22,941 18,997 - 960,319 893,938 30,454 32,578 - 956,970 Commercial - construction and land 205,148 - - - 205,148 176,403 4,094 - - 180,497 Residential - mortgages 46,006 888 182 - 47,076 43,767 1,414 26 - 45,207 Residential - home equity 28,018 726 199 - 28,943 24,047 726 199 - 24,972 Consumer 192,462 - - - 192,462 184,203 - - - 184,203 Other 3,328 — 1,593 - 4,921 3,641 — 1,593 - 5,234 Total 2,192,061 $ 43,203 $ 41,974 $ 372 $ 2,277,610 $ 2,144,154 $ 75,007 $ 51,252 $ - $ 2,270,413 $ Less net deferred fees and other unearned income (3,754) (5,514) Total loans held for investment 2,273,856 $ 2,264,899 $ Q3 2021 Q2 2021 23

face="Arial" style="color:white;font-size:1.0pt;">atlanticcapitalbank.com share data) Sept. 30, Jun. 30, Dec. 31, Sept. 30, 25,725 $ 35,530 $ 16,865 $ 22,715 811,168 593,195 636,537 91,243 140,848 – – – 977,741 628,725 653,402 113,958 available for sale 535,158 480,518 335,423 260,884 held to maturity, net of allowance for credit losses of $13, $13, $14, 30, 2021, June 30, 2021, December 31, 2020 and September 30, 233,547 200,156 185,822 23,877 24,293 25,892 26,315 11,814 – – 859 2,273,856 2,264,899 2,249,036 2,188,035 (23,924) (26,123) (31,818) (31,894) 2,249,932 2,238,776 2,217,218 2,156,141 18,517 19,643 21,589 22,558 74,000 73,610 72,856 67,489 19,925 19,925 19,925 2,573 2,637 2,731 2,685 – 16 16 563 58,755 66,409 66,778 3,780,445 $ 3,615,617 $ 2,923,977 1,691,616 $ 1,374,018 $ 1,033,765 $ 843,656 721,525 536,677 760,638 387,858 676 625 568 1,026,239 1,030,753 945,834 283,656 241,328 196,343 94,586 84,958 94,399 94,463 3,306,224 3,161,508 2,468,722 74,024 73,953 73,807 73,814 45,046 47,083 41,716 41,132 3,846,391 3,427,260 3,277,031 2,583,668 par value; 10,000,000 shares authorized; no shares issued and September 30, 2021, June 30, 2021, December 31, 2020 and – – – 206,619 209,942 220,643 152,619 139,315 114,137 104,188 4,092 7,251 14,507 15,478 363,925 353,185 338,586 340,309 AND SHAREHOLDERS' EQUITY $ 4,210,316 $ 3,780,445 $ 3,615,617 $ 2,923,977 value; 100,000,000 shares authorized; 20,305,109, 20,319,429, shares issued and outstanding as of September 30, 2021, June 31, 2020, and September 30, 2020, respectively

atlanticcapitalbank.com Period End Loans (dollars in thousands) September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 September 30, 2020 Loans held for sale Loans held for sale $ 11,814 $ - $ 1,847 $ - $ 859 $ 11,814 $ 10,955 Loans held for sale - discontinued operations - - - - - - - Total loans held for sale $ 11,814 $ - $ 1,847 $ - $ 859 $ 11,814 $ 10,955 0 0 Loans held for investment Commercial loans: Commercial and industrial - other $ 790,437 $ 767,646 $ 735,287 $ 760,645 $ 712,567 $ 22,791 $ 77,870 Commercial and industrial - PPP 48,304 105,684 218,766 192,160 231,834 (57,380) (183,530) Commercial real estate: - - Multifamily 62,906 58,632 80,507 66,262 58,336 4,274 4,570 Owner occupied 413,875 392,108 381,018 373,689 364,170 21,767 49,705 Investment 483,538 506,230 480,566 469,150 458,279 (22,692) 25,259 Construction and land: 1-4 family residential construction 2,338 2,074 1,578 1,171 - 264 2,338 Other construction, development, and land 202,810 178,423 141,218 144,424 139,836 24,387 62,974 Mortgage warehouse loans - - - - - - - Total commercial loans 2,004,208 2,010,797 2,038,940 2,007,501 1,965,022 (6,589) 39,186 Residential: Residential mortgages 47,076 45,207 31,817 33,783 29,460 1,869 17,616 Home equity 28,943 24,972 26,293 25,443 24,528 3,971 4,415 Total residential loans 76,019 70,179 58,110 59,226 53,988 5,840 22,031 Consumer 192,462 184,203 203,176 176,066 154,916 8,259 37,546 Other 4,921 5,234 7,689 13,897 22,777 (313) (17,856) 2,277,610 2,270,413 2,307,915 2,256,690 2,196,703 7,197 80,907 Less net deferred fees and other unearned income (3,754) (5,514) (7,101) (7,654) (8,668) 1,760 4,914 Total loans held for investment $ 2,273,856 $ 2,264,899 $ 2,300,814 $ 2,249,036 $ 2,188,035 $ 8,957 $ 85,821 Total loans $ 2,285,670 $ 2,264,899 $ 2,302,661 $ 2,249,036 $ 2,188,894 $ 20,771 $ 96,776 Total unfunded commitments $ 848,642 $ 804,784 $ 789,869 $ 813,757 $ 764,247 $ 43,858 $ 84,395 Linked Quarter Change Year Over Year Change 25

atlanticcapitalbank.com Deposits: Period End and Average Period End Deposits (dollars in thousands) September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 September 30, 2020 Linked Quarter Change Year Over Year Change DDA $ 1,691,616 $ 1,374,018 $ 1,280,524 $ 1,033,765 $ 843,656 $ 317,598 $ 847,960 NOW 721,525 536,677 485,540 760,638 387,858 184,848 333,667 Savings 800 676 562 625 568 124 232 Money market 930,929 1,026,239 1,142,361 1,030,753 945,834 (95,310) (14,905) Time 287,865 283,656 294,129 241,328 196,343 4,209 91,522 Brokered 94,586 84,958 74,576 94,399 94,463 9,628 123 Total deposits $ 3,727,321 $ 3,306,224 $ 3,277,692 $ 3,161,508 $ 2,468,722 $ 421,097 $ 1,258,599 Average Deposits 2021 Linked (dollars in thousands) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Quarter Change DDA $ 1,375,114 $ 1,295,728 $ 1,136,531 $ 977,009 $ 854,715 $ 79,386 $ 520,399 NOW 607,485 548,358 618,701 558,967 440,734 59,127 166,751 Savings 731 593 587 614 586 138 145 Money market 1,057,246 1,088,423 1,042,809 1,026,347 942,062 (31,177) 115,184 Time 285,808 290,331 273,615 221,792 166,019 (4,523) 119,789 Brokered 87,498 84,168 84,663 89,673 68,102 3,330 19,396 Total deposits $ 3,413,882 $ 3,307,601 $ 3,156,906 $ 2,874,402 $ 2,472,218 $ 106,281 $ 941,664 Noninterest bearing deposits as a percentage of average deposits 40.3% 39.2% 36.0% 34.0% 34.6% Cost of interest-bearing deposits 0.15% 0.17% 0.19% 0.25% 0.28% Cost of deposits 0.08% 0.10% 0.12% 0.16% 0.19% 2020 Q3 2021 vs Q3 2020 26

atlanticcapitalbank.com Income Statements (in thousands except share and per share data) September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 September 30, 2020 Total interest income $ 26,664 $ 27,618 $ 25,410 $ 24,943 $ 24,233 Total interest expense 1,895 1,958 2,065 2,299 2,515 NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES 24,769 25,660 23,345 22,644 21,718 Provision for credit losses (2,405) (933) (4,519) 481 28 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 27,174 26,593 27,864 22,163 21,690 NONINTEREST INCOME Service charges 1,765 1,727 1,663 1,341 1,217 Gains (losses) on sale of securities – – 2 (23) – Gains (losses) on sale of other assets 38 – – (6) (145) Derivatives income (loss) 21 (7) 47 11 10 Bank owned life insurance 391 388 391 368 363 SBA lending activities 1,276 1,231 1,225 1,015 893 Other noninterest income 1,118 245 234 310 166 Total noninterest income 4,609 3,584 3,562 3,016 2,504 NONINTEREST EXPENSE Salaries and employee benefits 10,290 10,362 10,421 8,437 8,850 Employee retention credit (3,035) – – – – Occupancy 756 778 734 767 739 Equipment and software 857 819 774 969 826 Professional services 737 723 922 686 562 Communications and data processing 889 869 792 789 757 Marketing and business development 142 138 108 144 141 Travel, meals and entertainment 91 47 10 14 39 FDIC premiums 478 421 275 241 213 Merger and conversion costs 2,899 – – – – Other noninterest expense 914 1,040 1,113 1,117 1,586 Total noninterest expense 15,018 15,197 15,149 13,164 13,713 INCOME BEFORE PROVISION FOR INCOME TAXES 16,765 14,980 16,277 12,015 10,481 Provision for income taxes 3,461 3,164 2,915 2,065 1,863 NET INCOME 13,304 11,816 13,362 9,950 8,618 Net income per common share - basic $ 0.66 $ 0.58 $ 0.66 $ 0.48 $ 0.40 Net income per common share - diluted $ 0.65 $ 0.58 $ 0.65 $ 0.48 $ 0.40 Weighted average shares - basic 20,308,761 20,332,503 20,380,066 20,711,089 21,500,735 Weighted average shares - diluted 20,507,604 20,516,478 20,502,184 20,795,332 21,543,805 Three months ended 27

atlanticcapitalbank.com Non-GAAP Financial Measures (in thousands, except share and per share data) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Taxable equivalent net interest income reconciliation Net interest income - GAAP $ 24,769 $ 25,660 $ 23,345 $ 22,644 $ 21,718 Taxable equivalent adjustment 376 375 365 345 345 Net interest income - taxable equivalent $ 25,145 $ 26,035 $ 23,710 $ 22,989 $ 22,063 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 2.65% 2.87% 2.76% 2.86% 3.09% Impact of taxable equivalent adjustment 0.04% 0.04% 0.05% 0.05% 0.05% Net interest margin - taxable equivalent - continuing operations 2.69% 2.91% 2.81% 2.91% 3.14% Tangible book value per common share reconciliation Total shareholders’ equity $ 363,925 $ 353,185 $ 340,328 $ 338,586 $ 340,309 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible common equity $ 344,000 $ 333,260 $ 320,403 $ 318,661 $ 320,384 Common shares outstanding 20,305,109 20,319,429 20,354,077 20,394,912 21,202,783 Book value per common share - GAAP $ 17.92 $ 17.38 $ 16.72 $ 16.60 $ 16.05 Tangible book value 16.94 16.40 15.74 15.62 15.11 Tangible common equity to tangible assets reconciliation Total shareholders’ equity $ 363,925 $ 353,185 $ 340,328 $ 338,586 $ 340,309 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible common equity $ 344,000 $ 333,260 $ 320,403 $ 318,661 $ 320,384 Total assets $ 4,210,316 $ 3,780,445 $ 3,732,668 $ 3,615,617 $ 2,923,977 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible assets $ 4,190,391 $ 3,760,520 $ 3,712,743 $ 3,595,692 $ 2,904,052 Tangible common equity to tangible assets 8.21% 8.86% 8.63% 8.86% 11.03% PPP loans $ 48,304 $ 105,684 $ 218,766 $ 192,160 $ 231,834 Total tangible assets excl PPP loans $ 4,142,087 $ 3,654,836 $ 3,493,977 $ 3,403,532 $ 2,672,218 Tangible common equity to tangible assets excl PPP loans 8.30% 9.12% 9.17% 9.36% 11.99% Pre-provision net revenue (PPNR) reconciliation Net interest income - GAAP $ 24,769 $ 25,660 $ 23,345 $ 22,644 $ 21,718 Taxable equivalent adjustment 376 375 365 345 345 Noninterest income 4,609 3,584 3,562 3,016 2,504 Noninterest expense (15,018) (15,197) (15,149) (13,164) (13,713) Pre-provision net revenue 14,736 $ 14,422 $ 12,123 $ 12,841 $ 10,854 $ 2020 2021 28

atlanticcapitalbank.com Non-GAAP Financial Measures (in thousands, except share and per share data) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Allowance for credit losses to loans held for investment reconciliation Total loans held for investment $ 2,273,856 $ 2,264,899 $ 2,300,814 $ 2,249,036 $ 2,188,035 PPP Loans (48,304) (105,684) (218,766) (192,160) (231,834) Total loans held for investment excluding PPP $ 2,225,552 $ 2,159,215 $ 2,082,048 $ 2,056,876 $ 1,956,201 Allowance for credit losses to loans held for investment 1.16% 1.27% 1.31% 1.55% 1.59% Allowance for credit losses to loans held for investment excluding PPP loans 1.18% 1.33% 1.45% 1.70% 1.78% Allowance for loan losses to loans held for investment reconciliation Total loans held for investment $ 2,273,856 $ 2,264,899 $ 2,300,814 $ 2,249,036 $ 2,188,035 PPP Loans (48,304) (105,684) (218,766) (192,160) (231,834) Total loans held for investment excluding PPP $ 2,225,552 $ 2,159,215 $ 2,082,048 $ 2,056,876 $ 1,956,201 Allowance for loan losses to loans held for investment 1.05% 1.15% 1.20% 1.41% 1.46% Allowance for loan losses to loans held for investment excluding PPP loans 1.07% 1.21% 1.32% 1.55% 1.63% Net interest margin adjusted for excess cash Total interest-earning assets $ 3,708,727 $ 3,590,139 $ 3,424,717 $ 3,147,728 $ 2,795,994 Excess cash (443,457) (529,732) (404,959) (285,693) - Adjusted total interest earning assets 3,265,270 3,060,407 3,019,758 2,862,035 2,795,994 Net interest income - taxable equivalent $ 25,145 $ 26,035 $ 23,710 $ 22,989 $ 22,063 Excess net interest income (168) (132) (100) (72) - Adjusted net interest income - taxable equivalent 24,977 25,903 23,610 22,917 22,063 Net interest margin adjust for excess cash 3.03% 3.39% 3.17% 3.18% 3.14% 2020 2021 (in thousands) 2020 2019 2018 2017 2016 Net interest income reconciliation Net interest income - GAAP $ 86,973 $ 80,864 $ 76,247 $ 62,832 $ 53,719 Taxable equivalent adjustment 1,478 459 395 906 484 Net interest income - taxable equivalent $ 88,451 $ 81,323 $ 76,642 $ 63,738 $ 54,203 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 3.11% 3.52% 3.48% 3.03% 2.74% Impact of taxable equivalent adjustment 0.05% 0.06% 0.02% 0.04% 0.02% Net interest margin - taxable equivalent 3.16% 3.58% 3.50% 3.07% 2.76% For the Years Ended December 31, 29

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