Vallant Financial Inc. · OTC:VLNT
Vallant Financial — Shareholder Meeting (June 2026)
17 slides from Vallant Financial's shareholder meeting presentation, Jun 9, 2026
Slide 1: 2026 Annual Meeting
2026 Annual Meeting Vallant Financial, Inc. June 9, 2026
Slide 2: Important Notices
Important Notices This presentation contains forward-looking statements. Any statements about the Company’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions, future events or performance are not historical facts and may be forward-looking. Recipients can identify forward
Slide 3: Executive Officers
Executive Officers Jackson McConnell David Voyles Spence Mullis Chairman and CEO President Director of Community Banking
Slide 4: Board of Directors
Board of Directors = > Pe= Fi (= 1 ey -Y.- Ve C) =i vay 7 Lu rf / a "4 vi & } y \ 4, f \ y y \
Slide 5: Expanded geography diversifies loan portfolio, revenue mix, and growth
✓ Expanded geography diversifies loan portfolio, revenue mix, and growth opportunities ✓ Creates one of the largest Georgia-based community banks ✓ Proven track record of strong performance, profitability, and capital generation ✓ Combined teams enhance depth and experience ✓ No overlapping location
Slide 6: Vallant Bank Executive Officers
Vallant Bank • Chief Financial Officer | D. Scott Wilson • Chief Credit Officer | D. Shannon Fortson • Chief Operations Officer | Donna M. Webb Executive Officers • Chief Accounting Officer | Chris Bond • Chief Risk Officer | Ashlee Torpy • Chief Banking Officer | Mike Starrett • Chief Banking Offic
Slide 7: Vallant Bank
// VALLANT BANK I strength. Limitless reach
Slide 8: Serving Georgia
Serving Georgia Serving Seven Top Metro Areas • Augusta-Richmond County • Macon-Bibb County • Athens-Clarke County • Gainesville • Warner Robins • Statesboro • Dublin • 42 Branches and Loan Offices • 22 Counties 8
Slide 9: Morris Bank – Historical Performance
Morris Bank – Historical Performance1 2021 2022 2023 2024 2025 Total Assets (000’s) 1,406,649 1,426,476 1,423,946 1,493,073 1,549,495 Total Loans (000’s) 925,963 1,051,720 1,063,644 1,115,976 1,195,471 Loan Growth Rate (%) 10.31 13.58 1.13 4.92 7.12 Total Deposits (000’s) 1,230,119 1,216,361 1,226,8
Slide 10: Pinnacle Bank – Historical Performance
Pinnacle Bank – Historical Performance1 2021 2022 2023 2024 2025 Total Assets (000’s) 2,008,896 2,038,739 2,120,719 2,191,749 2,267,326 Total Loans (000’s) 1,188,068 1,424,284 1,527,747 1,562,854 1,696,875 Loan Growth Rate (%) 12.22 19.88 7.26 2.30 8.58 Total Deposits (000’s) 1,804,166 1,860,338 1,8
Slide 11: Key Metrics of Vallant Financial, Inc.
Key Metrics of Vallant Financial, Inc.1 Strong Pro Forma Capital & Liquidity Ratios $3.98 Billion in Total Assets 8.8% 10.0% 21.1% 42 Branches and LPO’s TCE/TA Leverage Ratio Cash & Securities/Assets 22 Counties 11.5% 13.6% 271% ~600 Employees CET1 Ratio Total RBC Ratio CRE/Total RBC COMMUNITY BASED
Slide 12: Georgia Banking Landscape
Georgia Banking Landscape Includes banks headquartered in GA; Excludes merger targets Total Market Price / Price / Core Core Company Ticker Headquarters Branches Assets ($mm) Cap ($mm) TBV (%) '26 EPS (x) ROAA (%) ROATCE (%) 1 Pinnacle Financial Partners, Inc. PNFP Altanta, GA 155 $122,766 $14,694 1
Slide 13: Vallant Deposit Market Share
Vallant Deposit Market Share Counties of Operation1 County Rank Deposit Market Share (%) Deposits ($mm) Branches '26 - '31 (%) HHI ($) Laurens 1 35.1% $516 2 1.7% $59,906 Elbert 1 70.1 402 3 2.7 56,794 Walton 3 17.1 314 3 9.6 86,748 Bulloch 2 15.5 308 3 5.8 62,156 Houston 3 12.4 305 3 5.6 81,644 Fra
Slide 14: A Win for all Stakeholders
A Win for all Stakeholders V Shareholders Communities + Substantial earnings power « Strong community presence « Increased scale « Expanded access across + Delivery of expected top-tier Georgia performance « Deep commitment to community banking i ! 1 Lio.-.-----------------4-------------------------
Slide 15: Now Traded on OTCQX
Now Traded on OTCQX Find us at: Vallantfinancial.com Get a quote: OTCMarkets.com Ticker Symbol: VLNT
Slide 16: Vallant Financial, Inc.
• Strong Historical Performance Vallant Financial, Inc. • Experienced Leadership Local Strength. Limitless Reach. • Scalable Platform • Solid Capital Resources • Market Expansion Opportunity • Growth Mindset Scan QR code to visit www.vallantfinancial.com 16
Slide 17: Thank you!
Thank you! VALLANT