Proprietary & Confidential INVESTOR PRESENTATION | Q4 2021 a tlanticcapitalbank.com NASDAQ TICKER: ACBI

a tlanticcapitalbank.com Forward - Looking Statements Disclaimer and Non - GAAP Financial Information This presentation contains forward - looking statements within the meaning of section 27 A of the Securities Act of 1933 , as amended, and 21 E 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 Corporation ; 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

a tlanticcapitalbank.com Q4 2021 Highlights Performance Highlights Credit Update 3 • Reported net income was $11.7 million or $0.57 per diluted share, this included $846,000 or $0.02 in merger related expenses. • Loans held for investment (excluding PPP loans) increased 22% annualized from Sept 30, 2021 and 14% from Dec 31, 2021. • Demand deposits (quarterly average) increased 33% annualized from third quarter of 2021 and 52% from the fourth quarter of 2020. • Cost of deposits decreased to 0.07% compared to 0.08% in the third quarter of 2021 and 0.16% in the fourth quarter of 2020. • The provision for credit losses was negative $731,000 reflecting an improved economic outlook and partially offset by loan growth. • Annualized net charge - offs to average loans totaled 0.11% for the fourth quarter of 2021 and 0.06% for the full year 2021. • Non - performing assets to total assets were 0.11% at December 31, 2021 . • Classified and criticized loans decreased to below pre - pandemic levels as a percentage of total loans. 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 the Board of Governors of the Federal Reserve System. • Approval of the merger has been received from our shareholders and the Office of the Comptroller of the Currency.

a tlanticcapitalbank.com Financial Highlights ( 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 25 - 26. (2) Dollars in millions . (3) Taxable equivalent. (4) Amounts are estimates as of December 31, 2021. Please see reconciliation on slides 25 - 26 for more details. (5) Percentage changes are annualized. Income Balance Sheet (2) METRICS Q3 2021 Q4 2021 Change vs Performance Measures Q4 2020 Q4 2020 Q3 2021 (5) Capital Ratios Diluted EPS $ 0.57 $ 0.65 $ 0.48 $ (0.08) (49%) $ 0.09 19% Pre-provision net revenue (PPNR) (1) 14.3 14.7 12.8 (0.4) (12%) 1.5 12% Total loans held for investment (period-end) $ 2,367 $ 2,274 $ 2,249 $ 93 16% $ 118 5% Total loans excluding PPP loans 2,349 2,226 2,057 123 22% 292 14% Total deposits (quarterly average) 3,396 3,414 2,874 (18) (2%) 522 18% Non-interest bearing deposits (quarterly average) 1,487 1,375 977 112 33% 510 52% Tangible book value per common share $ 17.39 $ 16.94 $ 15.62 $ $ Net interest margin (3) 2.76 % 2.69 % 2.91 % Return on average equity 12.52 14.69 11.68 Efficiency ratio 53.52 51.12 51.30 Tangible common equity to tangible assets 9.31 % 8.21 % 8.86 % Leverage ratio (4) 8.9 8.5 8.9 Total risk based capital (4) 15.3 15.9 16.1 110 bps 45 bps (60 bps) (80 bps) 1.77 (15 bps) 123 bps 40 bps 0 bps 84 bps (217 bps) 7 bps 240 bps 0.45 4

Owner - occupied CRE 19% a tlanticcapitalbank.com Commercial Lending Focus $790 $944 $1,063 $1,134 $1,302 $605 $653 $686 $681 $775 $176 $198 $62 $80 $73 $65 $74 $192 $ 1,519 Loans from Continuing Operations Loan yield Commercial (1) CRE (2) Consumer Mortgage Warehouse 4.27% 5.01% 5.26% 3.89% 3.86% $ 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 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 PPP Loan yield excluding PPP loans Highlights • Loans held for investment, excluding PPP loans, increased $123.8 million, or 22% annualized from the third quarter and 14% year - over - year 3.86% 3.75% Residential 3% Multifamily 3% Consumer and other 8% PPP 1 % C&I 36% Fixed 53% Floating 46% PPP 1 % Construction & Land 7% Commercial Real Estate 23% Other (3) 5 $ 2,367 $ 2,249

a tlanticcapitalbank.com Strong Core Deposit Franchise 32% 33% 33% 34% 40% 56% 61% 61% 58% 49% 1% 1% 1% 5% 9% 3% 3% 11% 5 % 5 % 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 $1,805 0.38% 0.52% 0.77% 0.31% 0.10% 2017 2018 2019 2020 2021 Brokered Highlights • Growth in treasury management and processing relationships has resulted in strong DDA growth: • 44% of total deposits in Q4 2021 • 33% annualized growth from Q3 2021 • 52% growth from Q4 2020 • The cost of deposits decreased to 0.07% in Q4 2021. $2,504 6 $3,339 5 %

a tlanticcapitalbank.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 – 12/31/2021 Loans QTD Average Deposits Commercial & Private Banking 87% Commercial & Private Banking 58% Real Estate Banking 39% $1,285 $1,541 Commercial & Private Banking 89% Real Estate Banking 11% Commercial & Private Banking 61% Dollars in millions Focused on commercial clients and individuals that value high touch relationships and expertise Atlanta Loans Atlanta Deposits $785 $885 $948 $1,166 $1,440 0.19% 0.34% 0.57% 0.23% 0.08% 2017 2018 2019 2020 2021 Average Deposits Cost of Deposits 7 $943 $1,050 $1,114 $1,114 $1,285 4.24% 4.98% 5.11% 3.88% 3.56% 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 Loans Yield on loans

a tlanticcapitalbank.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 • Private Equity banking Average Deposits – Payments & Processing Businesses ($ in millions) Loans ($ in millions) Highlights Service Charge Income ($ in thousands) $1,243 $1,529 $1,977 $3,438 $5,416 2017 2018 2019 2020 2021 $283 $322 $421 $661 $1,184 0.40% 0.52% 0.66% 0.19% 0.05% 2017 2018 2019 2020 2021 Deposits Cost of Deposits (1) by National Automated Clearing House Association (NACHA) 8 $37 $46 $64 $243 $303 4.54% 5.23% 5.30% 3.35% 3.08% 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 Loans Yield on loans

a tlanticcapitalbank.com Financial Update: Q4 2021 Income Summary Net interest income (1) 25,665 $ 25,145 $ 22,989 $ 12% Provision for credit losses (731) (2,405) 481 (252%) Noninterest income 4,555 4,609 3,016 51% Noninterest expense 15,963 15,018 13,164 21% Income before taxes 14,988 17,141 12,360 21% Income tax expense 3,324 3,837 2,410 38% Net income from continuing operations 11,664 $ 13,304 $ 9,950 $ 17% Diluted EPS - continuing operations 0.57 $ 0.65 $ 0.48 $ 19% Pre-provision net revenue (PPNR) (2) 14,255 $ 14,736 $ 12,840 $ 11% Q4 2020 Q3 2021 Q4 2021 Q4 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 25 - 26 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 25 - 26. (3) Q4 2021 results compared to Q3 2021 results . Change vs Q4 2020 9 • Net interest income benefitted from strong balance sheet growth • Reversal of allowance for credit losses was due primarily to improved economic outlook, partially offset by loan growth. • Noninterest expense included $846,000 in merger related expenses.

a tlanticcapitalbank.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 25 - 26 for more details. Net interest m argin Net interest income (excl. PPP) PPP interest income 2.91% 2.81% 2.91% 2.69% 2.76% Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 10 $20,685 $21,492 $23,065 $23,273 $24,736 $2,304 $2,218 $2,970 $1,872 $929 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 $22,989 $26,035 $ 25,145 $23,710 • The impact of excess cash balances from strong deposit growth negatively impacted 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, 15 bps in Q3 2021 and 8 bps in Q4 2021. $25,665

a tlanticcapitalbank.com Noninterest Expense Overview Dollars in thousands (1) Continuing operations Noninterest Expense and Efficiency Ratio by Year (1) Noninterest Expense $52,834 $49,991 $53,108 $52,659 $61,327 70.4% 57.9% 58.0% 54.1% 53.2% 2017 2018 2019 2020 2021 Noninterest Expense and Efficiency Ratio by Quarter $13,164 $15,149 $15,197 $15,018 $15,963 51.3% 56.3% 52.0% 51.1% 53.5% Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Noninterest Expense Efficiency Ratio 11 Q4 2021 Highlights • Q3 2021 included a $3 million employee retention credit associated with the CARES Act. • Merger related expenses totaled $846,000 in Q4 2021 compared to $2.9 million in Q3 2021. Q4 2021 Q3 2021 Q4 2020 Salaries and employee benefits 10,176 $ 10,290 $ 8,437 $ 1,739 $ 21% Employee retention credit - (3,035) - - 0% Occupancy 682 756 767 (85) (11%) Equipment and software 688 857 969 (281) (29%) Professional services 653 737 686 (33) (5%) Communications and data processing 1,011 889 789 222 28% FDIC 506 478 241 265 110% Merger and conversion costs 846 2,899 - 846 Other noninterest expense 1,401 1,147 1,275 126 10% Noninterest expense 15,963 $ 15,018 $ 13,164 $ 2,799 $ 21% Year-over-Year

a tlanticcapitalbank.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% 0.06% 2014 2015 2016 2017 2018 2019 2020 2021 0.12% 0.40% 0.13% 0.14% 0.20% 0.26% 0.13% 0.11% Highlights Classified Loans / Total Loans 1.40% 0.66% 1.68% 1.76% 2.10% 1.99% 3.25% 1.50% 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 12/31/21 • Overall credit quality remained solid with limited charge - offs and non - accruals. • Classified and Criticized loans decreased to below pre - pandemic levels as a percentage of total loans. • Allowance for credit losses decreased from 1.18% of loans excluding PPP to 1.06%. • Net charge - offs in 2021 were 0.06%, non - performing assets remain low at 0.11% of total assets. 12 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 12/31/21

$17,681 $24,896 $31,605 $31,894 $31,818 $27,506 $26,123 $23,924 $22,186 0.94% 1.29% 1.62% 1.63% 1.55% 1.32% 1.21% 1.07% 0.94% 1.29% 1.45% 1.46% 1.41% 1.20% 1.15% 1.05% 0.94% Day 1 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 9/30/21 12/31/21 a tlanticcapitalbank.com Current Expected Credit Losses (CECL) $19,848 $27,734 $35,085 $34,765 $34,946 $30,189 $28,688 $26,304 $24,943 1.06% 1.43% 1.80% 1.78% 1.70% 1.45% 1.33% 1.18% 1.06% 1.43% 1.61% 1.59% 1.55% 1.31% 1.27% 1.16% 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 12/31/21 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 ACL ALL Dollars in thousands (1) For a reconciliation of this non - GAAP financial measure, see slides 25 - 26. 13 • Reversal of allowance for credit losses was due to improved forecasts, partially offset by loan growth. • Allowance for credit losses remains adequate at 1.05% of loans ( 1.06% excluding PPP loans).

a tlanticcapitalbank.com Paycheck Protection Program (PPP) Update Dollars in thousands • $395,000 in fees still to be recognized and 33 PPP loans outstanding as of December 31, 2021. • 73 PPP loans totaling $30 million forgiven during the fourth quarter. 14 Ending Balances and Total Yield Interest and Fee Income $192,160 $218,766 $105,684 $48,304 $17,919 4.22% 4.46% 7.29% 9.30% 11.71% 12/31/2020 3/31/2021 6/30/2021 9/30/2021 12/31/2021 $2,304 $2,218 $2,970 $1,872 $929 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 PPP Interest and Fee income PPP Ending Balances PPP Total Yield (Quarterly)

Appendix

a tlanticcapitalbank.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 representati ve 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 16

a tlanticcapitalbank.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 $3.8 Billion • Atlanta’s Hometown BUSINESS BANK • Fast growing FINTECH & PAYMENTS businesses • EMERGING GROWTH and ENTREPRENEURIAL focus • Continued INVESTMENT IN TECHNOLOGY 17

a tlanticcapitalbank.com Atlanta’s Hometown Business Bank Atlanta metro highlights: • 16 Fortune 500 headquarters • 70% of all US payments are processed through Georgia • #4 metro for corporate headquarters • # 4 metro area for largest population growth (2010 - 2020) • #1 metro tech hub (growth potential) • Georgia has been #1 state for doing business for the last 7 years (2014 - 2020) Sources: Metro Atlanta Chamber 18

a tlanticcapitalbank.com Investment Portfolio Portfolio Yield Tax - exempt Municipal 31% Taxable Municipal 11% MBS 50% Agency CMO 4% Corporate 3% CDs 1% Sector Allocation at 12/31 /2021 2.25% 2.48% 2.69% 2.88% 2.45% 2017 2018 2019 2020 2021 Municipal Bond Ratings 12/31/2021 AAA 43% AA+ 23% AA 30% AA - 3% Other 1% Portfolio Balance $449 $402 $399 $536 $739 Extended portfolio duration to manage interest rate risk 19 Dollar s in millions 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021

a tlanticcapitalbank.com Loan Portfolio by Risk Rating Pass Special Mention Substandard Doubtful Total Pass Special Mention Substandard Doubtful Total Commercial - commercial and industrial 843,720 $ 18,324 $ 17,703 $ 1,232 $ 880,979 $ 798,718 $ 18,648 $ 21,003 $ 372 $ 838,741 $ Commercial - commercial real estate 1,013,062 31,531 15,761 - 1,060,354 918,381 22,941 18,997 - 960,319 Commercial - construction and land 153,916 20 - - 153,936 205,148 - - - 205,148 Residential - mortgages 44,562 1,072 26 156 45,816 46,006 888 182 - 47,076 Residential - home equity 26,320 995 - - 27,315 28,018 726 199 - 28,943 Consumer 197,955 - - - 197,955 192,462 - - - 192,462 Other 4,060 - 673 - 4,733 3,328 - 1,593 - 4,921 Total 2,283,595 $ 51,942 $ 34,163 $ 1,388 $ 2,371,088 $ 2,192,061 $ 43,203 $ 41,974 $ 372 $ 2,277,610 $ Less net deferred fees and other unearned income (3,854) (3,754) Total loans held for investment 2,367,234 $ 2,273,856 $ Q4 2021 Q3 2021 20

a tlanticcapitalbank.com Balance Sheet (in thousands, except share data) Dec. 31, Sept. 30, Dec. 31, 2021 2021 2020 ASSETS Cash and due from banks $ 16,214 $ 25,725 $ 16,865 Interest-bearing deposits in banks 377,780 811,168 636,537 Other short-term investments 137,181 140,848 – Cash and cash equivalents 531,175 977,741 653,402 Investment securities available for sale 501,218 535,158 335,423 Investment securities held to maturity, net of allowance for credit losses of $13, $13, and $14 at Decemver 31, 2021, September 30, 2021 and December 31, 2020 respectively 237,711 237,829 200,156 Other investments 23,546 23,877 25,892 Loans held for sale 2,087 11,814 – Loans held for investment 2,367,234 2,273,856 2,249,036 Less: Allowance for credit losses (22,186) (23,924) (31,818) Loans held for investment, net 2,345,048 2,249,932 2,217,218 Premises and equipment, net 17,540 18,517 21,589 Bank owned life insurance 74,385 74,000 72,856 Goodwill 19,925 19,925 19,925 Other intangibles, net 2,597 2,573 2,731 Other real estate owned – – 16 Other assets 64,353 58,950 66,409 Total assets $ 3,819,585 $ 4,210,316 $ 3,615,617 LIABILITIES AND SHAREHOLDERS' EQUITY Deposits: Noninterest-bearing demand $ 1,471,920 $ 1,691,616 $ 1,033,765 Interest-bearing checking 648,763 721,525 760,638 Savings 884 800 625 Money market 823,127 930,929 1,030,753 Time 288,698 287,865 241,328 Brokered deposits 94,510 94,586 94,399 Total deposits 3,327,902 3,727,321 3,161,508 Long-term debt 74,089 74,024 73,807 Other liabilities 44,071 45,046 41,716 Total liabilities 3,446,062 3,846,391 3,277,031 SHAREHOLDERS' EQUITY Preferred stock, no par value; 10,000,000 shares authorized; no shares issued and outstanding as of December 31, 2021, September 30, 2021 and December 31, 2020 – – – 207,514 207,214 209,942 Retained earnings 164,283 152,619 114,137 Accumulated other comprehensive income 1,726 4,092 14,507 Total shareholders’ equity 373,523 363,925 338,586 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 3,819,585 $ 4,210,316 $ 3,615,617 Common stock, no par value; 100,000,000 shares authorized; 20,334,150, 20,305,109, and 20,394,912 shares issued and outstanding as of December 31, 2021, September 30, 2021 and December 31, 2020, respectively 21

a tlanticcapitalbank.com Period End Loans (dollars in thousands) December 31, 2021 September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 Loans held for sale Loans held for sale $ 2,087 $ 11,814 $ - $ 1,847 $ - $ (9,727) $ 2,087 Loans held for sale - discontinued operations - - - - - - - Total loans held for sale $ 2,087 $ 11,814 $ - $ 1,847 $ - $ (9,727) $ 2,087 0 0 Loans held for investment Commercial loans: Commercial and industrial - other $ 863,060 $ 790,437 $ 767,646 $ 735,287 $ 760,645 $ 72,623 $ 102,415 Commercial and industrial - PPP 17,919 48,304 105,684 218,766 192,160 (30,385) (174,241) Commercial real estate: Multifamily 73,581 62,906 58,632 80,507 66,262 10,675 7,319 Owner occupied 438,630 413,875 392,108 381,018 373,689 24,755 64,941 Investment 548,143 483,538 506,230 480,566 469,150 64,605 78,993 Construction and land: 1-4 family residential construction 297 2,338 2,074 1,578 1,171 (2,041) (874) Other construction, development, and land 153,639 202,810 178,423 141,218 144,424 (49,171) 9,215 Total commercial loans 2,095,269 2,004,208 2,010,797 2,038,940 2,007,501 91,061 87,768 Residential: Residential mortgages 45,816 47,076 45,207 31,817 33,783 (1,260) 12,033 Home equity 27,315 28,943 24,972 26,293 25,443 (1,628) 1,872 Total residential loans 73,131 76,019 70,179 58,110 59,226 (2,888) 13,905 Consumer 197,955 192,462 184,203 203,176 176,066 5,493 21,889 Other 4,733 4,921 5,234 7,689 13,897 (188) (9,164) 2,371,088 2,277,610 2,270,413 2,307,915 2,256,690 93,478 114,398 Less net deferred fees and other unearned income (3,854) (3,754) (5,514) (7,101) (7,654) (100) 3,800 Total loans held for investment $ 2,367,234 $ 2,273,856 $ 2,264,899 $ 2,300,814 $ 2,249,036 $ 93,378 $ 118,198 Total loans $ 2,369,321 $ 2,285,670 $ 2,264,899 $ 2,302,661 $ 2,249,036 $ 83,651 $ 120,285 Total unfunded commitments $ 1,079,769 $ 848,642 $ 804,784 $ 789,869 $ 813,757 $ 231,127 $ 266,012 Linked Quarter Change Year Over Year Change 22

a tlanticcapitalbank.com Deposits: Period End and Average Period End Deposits (dollars in thousands) December 31, 2021 September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 Linked Quarter Change Year Over Year Change DDA $ 1,471,920 $ 1,691,616 $ 1,374,018 $ 1,280,524 $ 1,033,765 $ (219,696) $ 438,155 NOW 648,763 721,525 536,677 485,540 760,638 (72,762) (111,875) Savings 884 800 676 562 625 84 259 Money market 823,127 930,929 1,026,239 1,142,361 1,030,753 (107,802) (207,626) Time 288,698 287,865 283,656 294,129 241,328 833 47,370 Brokered 94,510 94,586 84,958 74,576 94,399 (76) 111 Total deposits $ 3,327,902 $ 3,727,321 $ 3,306,224 $ 3,277,692 $ 3,161,508 $ (399,419) $ 166,394 Average Deposits Linked (dollars in thousands) Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter Quarter Change DDA $ 1,487,405 $ 1,375,114 $ 1,295,728 $ 1,136,531 $ 977,009 $ 112,291 $ 510,396 NOW 650,668 607,485 548,358 618,701 558,967 43,183 91,701 Savings 875 731 593 587 614 144 261 Money market 874,926 1,057,246 1,088,423 1,042,809 1,026,347 (182,320) (151,421) Time 287,617 285,808 290,331 273,615 221,792 1,809 65,825 Brokered 94,271 87,498 84,168 84,663 89,673 6,773 4,598 Total deposits $ 3,395,762 $ 3,413,882 $ 3,307,601 $ 3,156,906 $ 2,874,402 $ (18,120) $ 521,360 Noninterest bearing deposits as a percentage of average deposits 43.8% 40.3% 39.2% 36.0% 34.0% Cost of interest-bearing deposits 0.12% 0.15% 0.17% 0.19% 0.25% Cost of deposits 0.07% 0.08% 0.10% 0.12% 0.16% 2021 2020 Q4 2021 vs Q4 2020 23

a tlanticcapitalbank.com Income Statements (in thousands except share and per share data) December 31, 2021 September 30, 2021 June 30, 2021 March 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Total interest income $ 26,930 $ 26,664 $ 27,618 $ 25,410 $ 24,943 $ 106,622 $ 98,996 Total interest expense 1,658 1,895 1,958 2,065 2,299 7,576 12,023 NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES 25,272 24,769 25,660 23,345 22,644 99,046 86,973 Provision for credit losses (731) (2,405) (933) (4,519) 481 (8,588) 17,446 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 26,003 27,174 26,593 27,864 22,163 107,634 69,527 NONINTEREST INCOME Service charges 1,777 1,765 1,727 1,663 1,341 6,932 4,871 Gains (losses) on sale of securities – – – 2 (23) 2 (23) Gains (losses) on sale of other assets – 38 – – (6) 38 (146) Derivatives income (loss) 5 21 (7) 47 11 66 257 Bank owned life insurance 386 391 388 391 368 1,556 1,460 SBA lending activities 1,451 1,276 1,231 1,225 1,015 5,183 3,104 Other noninterest income 936 1,118 245 234 310 2,533 762 Total noninterest income 4,555 4,609 3,584 3,562 3,016 16,310 10,285 NONINTEREST EXPENSE Salaries and employee benefits 10,176 10,290 10,362 10,421 8,437 41,249 34,229 Employee retention credit – (3,035) – – – (3,035) – Occupancy 682 756 778 734 767 2,950 3,183 Equipment and software 688 857 819 774 969 3,138 3,337 Professional services 653 737 723 922 686 3,035 2,745 Communications and data processing 1,011 889 869 792 789 3,561 3,113 Marketing and business development 145 142 138 108 144 533 517 Travel, meals and entertainment 102 91 47 10 14 250 227 FDIC premiums 506 478 421 275 241 1,680 629 Merger and conversion costs 846 2,899 – – – 3,745 – Other noninterest expense 1,154 914 1,040 1,113 1,117 4,221 4,679 Total noninterest expense 15,963 15,018 15,197 15,149 13,164 61,327 52,659 INCOME BEFORE PROVISION FOR INCOME TAXES 14,595 16,765 14,980 16,277 12,015 62,617 27,153 Provision for income taxes 2,931 3,461 3,164 2,915 2,065 12,471 4,613 NET INCOME 11,664 13,304 11,816 13,362 9,950 50,146 22,540 Net income per common share - basic $ 0.57 $ 0.66 $ 0.58 $ 0.66 $ 0.48 $ 2.47 $ 1.06 Net income per common share - diluted $ 0.57 $ 0.65 $ 0.58 $ 0.65 $ 0.48 $ 2.45 $ 1.05 Weighted average shares - basic 20,309,415 20,308,761 20,332,503 20,380,066 20,711,089 20,276,717 21,342,086 Weighted average shares - diluted 20,534,447 20,507,604 20,516,478 20,502,184 20,795,332 20,459,032 21,427,722 Three months ended Year ended 24

a tlanticcapitalbank.com Non - GAAP Financial Measures (in thousands, except share and per share data) Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter Taxable equivalent net interest income reconciliation Net interest income - GAAP $ 25,272 $ 24,769 $ 25,660 $ 23,345 $ 22,644 Taxable equivalent adjustment 393 376 375 365 345 Net interest income - taxable equivalent $ 25,665 $ 25,145 $ 26,035 $ 23,710 $ 22,989 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 2.72% 2.65% 2.87% 2.76% 2.86% Impact of taxable equivalent adjustment 0.04% 0.04% 0.04% 0.05% 0.05% Net interest margin - taxable equivalent - continuing operations 2.76% 2.69% 2.91% 2.81% 2.91% Tangible book value per common share reconciliation Total shareholders’ equity $ 373,523 $ 363,925 $ 353,185 $ 340,328 $ 338,586 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible common equity $ 353,598 $ 344,000 $ 333,260 $ 320,403 $ 318,661 Common shares outstanding 20,334,150 20,305,109 20,319,429 20,354,077 20,394,912 Book value per common share - GAAP $ 18.37 $ 17.92 $ 17.38 $ 16.72 $ 16.60 Tangible book value 17.39 16.94 16.40 15.74 15.62 Tangible common equity to tangible assets reconciliation Total shareholders’ equity $ 373,523 $ 363,925 $ 353,185 $ 340,328 $ 338,586 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible common equity $ 353,598 $ 344,000 $ 333,260 $ 320,403 $ 318,661 Total assets $ 3,819,585 $ 4,210,316 $ 3,780,445 $ 3,732,668 $ 3,615,617 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible assets $ 3,799,660 $ 4,190,391 $ 3,760,520 $ 3,712,743 $ 3,595,692 Tangible common equity to tangible assets 9.31% 8.21% 8.86% 8.63% 8.86% PPP loans $ 17,919 $ 48,304 $ 105,684 $ 218,766 $ 192,160 Total tangible assets excl PPP loans 3,781,741 4,142,087 3,654,836 3,493,977 3,403,532 Tangible common equity to tangible assets excl PPP loans 9.35% 8.30% 9.12% 9.17% 9.36% Pre-provision net revenue (PPNR) reconciliation Net interest income - GAAP $ 25,272 $ 24,769 $ 25,660 $ 23,345 $ 22,644 Taxable equivalent adjustment 393 376 375 365 345 Noninterest income 4,555 4,609 3,584 3,562 3,016 Noninterest expense (15,963) (15,018) (15,197) (15,149) (13,164) Pre-provision net revenue 14,257 $ 14,736 $ 14,422 $ 12,123 $ 12,841 $ 2021 2020 25

a tlanticcapitalbank.com Non - GAAP Financial Measures (in thousands, except share and per share data) 2020 Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter 2021 2020 Allowance for credit losses to loans held for investment reconciliation Total loans held for investment $ 2,367,234 $ 2,273,856 $ 2,264,899 $ 2,300,814 $ 2,249,036 $ 2,367,234 $ 2,249,036 PPP Loans (17,919) (48,304) (105,684) (218,766) (192,160) (17,919) (192,160) Total loans held for investment excluding PPP $ 2,349,315 $ 2,225,552 $ 2,159,215 $ 2,082,048 $ 2,056,876 $ 2,349,315 $ 2,056,876 Allowance for credit losses to loans held for investment 1.05% 1.16% 1.27% 1.31% 1.55% 1.05% 1.55% Allowance for credit losses to loans held for investment excluding PPP loans 1.06% 1.18% 1.33% 1.45% 1.70% 1.06% 1.70% Allowance for loan losses to loans held for investment reconciliation Total loans held for investment $ 2,367,234 $ 2,273,856 $ 2,264,899 $ 2,300,814 $ 2,249,036 $ 2,367,234 $ 2,249,036 PPP Loans (17,919) (48,304) (105,684) (218,766) (192,160) (17,919) (192,160) Total loans held for investment excluding PPP $ 2,349,315 $ 2,225,552 $ 2,159,215 $ 2,082,048 $ 2,056,876 $ 2,349,315 $ 2,056,876 Allowance for loan losses to loans held for investment 0.94% 1.05% 1.15% 1.20% 1.41% 0.94% 1.41% Allowance for loan losses to loans held for investment excluding PPP loans 0.94% 1.07% 1.21% 1.32% 1.55% 0.94% 1.55% For the year ended December 31, 2021 (in thousands) 2021 2020 2019 2018 2017 Net interest income reconciliation Net interest income - GAAP $ 99,046 $ 86,973 $ 80,864 $ 76,247 $ 62,832 Taxable equivalent adjustment 1,510 1,478 459 395 906 Net interest income - taxable equivalent $ 100,556 $ 88,451 $ 81,323 $ 76,642 $ 63,738 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 2.75% 3.11% 3.52% 3.48% 3.03% Impact of taxable equivalent adjustment 0.04% 0.05% 0.06% 0.02% 0.04% Net interest margin - taxable equivalent 2.79% 3.16% 3.58% 3.50% 3.07% For the Years Ended December 31, 26

THANK YOU a tlanticcapitalbank.com Member FDIC. Equal Housing Lender. @ AtlanticCapital @ AtlanticCapitalBank @ Atlcapbank