Slide 1: Acquisition of Signature Bank of Georgia
The Bank Behind Your Business July 14, 2025 Acquisition of
Slide 2: Cautionary Statements: Forward-Looking Statements
CAUTIONARY STATEMENTS 2 CAUTIONARY NOTE REGARDING FORWARD - LOOKING STATEMENTS Certain information contained in this communication may include “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933 , as amended, and Section 21 E of the Securities Exchange Act
Slide 3: Cautionary Statements: Additional Information About the Acquisition
CAUTIONARY STATEMENTS 3 ADDITIONAL INFORMATION ABOUT THE ACQUISITION AND WHERE TO FIND IT FCCO intends to file with the SEC a registration statement on Form S - 4 containing a joint proxy statement of FCCO and SGBG and a prospectus of FCCO, and FCCO will file other documents with respect to the prop
Slide 4: Acquisition Highlights
Establishing a presence in the dynamic and high - growth Atlanta - Sandy Springs - Roswell, Georgia MSA Attractive transaction terms drive compelling pro forma financial results Proven expertise in SBA lending generating significant fee income Manageable TBV dilution (2.2 years earnback ) coupled wi
Slide 5: Overview of Signature Bank of Georgia
OVERVIEW OF SIGNATURE BANK OF GEORGIA 5 (1) Financial data as of the most recent quarter ended March 31, 2025 Source: S&P Capital IQ Pro Geographic Footprint Franchise Overview Financial Highlights (1) ■ Signature Bank of Georgia (OTCPK: SGBG) was established in 2005 and is headquartered in Sandy Sp
Slide 6: Atlanta Market Overview
4.39% 4.07% 4.79% Atlanta MSA Georgia Legacy FCCO 2025 - 2030 Projected Population Growth ATLANTA MARKET OVERVIEW 6 Source: S&P Capital IQ Pro; U.S. Census Bureau; U.S. Bureau of Economic Analysis; Georgia Department of Transportation Market Highlights Expanding into the Atlanta MSA ■ High - Growth,
Slide 7: Pro Forma Franchise Overview
Expansion into Atlanta MSA x Scalable SBA lending vertical x Attractive financial impact x Stronger, more diversified franchise x PRO FORMA FRANCHISE OVERVIEW 7 (1) For illustrative purposes, assumes transaction closes December 31, 2025, cost savings are 100% phased - in, and excludes one - t ime tr
Slide 8: Pro Forma Franchise Overview, Cont'd
PRO FORMA FRANCHISE OVERVIEW, CONT’D 8 (1) As of December 31, 2024 (2) Net of servicing asset amortization Source: S&P Capital IQ Pro; Company Documents Ability to scale existing lines of business, with strong foundations and momentum, into new markets Government Guaranteed Lending Financial Plannin
Slide 9: Transaction Summary
TRANSACTION SUMMARY 9 (1) Based on FCCO’s closing price of $24.84 on July 11, 2025, and assuming 2,585,764 SGBG common shares outstanding and 118,5 00 options with a weighted average strike price of $12.20. Assumes 10,033 SGBG options that expire in Q4 ‘2025 are exercised prior to closing. (2) Refle
Slide 10: Key Pro Forma Financial Assumptions
KEY PRO FORMA FINANCIAL ASSUMPTIONS 10 ■ Pre - tax merger costs of $7.6 million ■ Cost savings equal to 30.9% of SGBG’s non - interest expense base anticipated ■ No branch or office closings are planned with this acquisition One - Time Merger Expenses and Cost Savings ■ Total gross credit mark of $2
Slide 11: Strategically Compelling Acquisition
STRATEGICALLY COMPELLING ACQUISITION 11 (1) Estimated pro forma capital ratios at close; Based on FCCO’s closing price of $24.84 on July 11, 2025 (2) Pro forma impact is presented for illustrative purposes only and is subject to change based on final purchase accounting ent ries ■ Gaining foothold i
Slide 12: Comprehensive Due Diligence
COMPREHENSIVE DUE DILIGENCE 12 Approach Summary ■ Joint management - led diligence effort supported by legal, accounting, and consulting advisors ■ Emphasis on cultural alignment and operational compatibility between the two institutions ■ Granular credit and operational analysis to support confiden
Slide 13: Appendix
Impacting Lives for Success and Significance APPENDIX
Slide 14: Attractive Pro Forma Results
2026E ROAA vs. Public Southeast Banks $2.0B to $10.0B in Total Assets Enhanced Pro Forma Earnings 2026E ROATCE vs. Public Southeast Banks $2.0B to $10.0B in Total Assets Improved Capital Generation 2026E Efficiency Ratio vs. Public Southeast Banks $2.0B to $10.0B in Total Assets Greater Operational
Slide 15: Pro Forma Loan & Deposit Composition
1 - 4 Family 24.0% C&D 11.6% Multifamily 2.3% NOO - CRE 30.8% OO - CRE 22.4% C&I 5.1% Consumer 1.6% Other 2.1% PRO FORMA LOAN & DEPOSIT COMPOSITION 15 Note: Financial data as of March 31, 2025; Loan and deposit compositions reflect Call Report data (1) Pro Forma compositions exclude purchase account
Slide 16: Our Purpose, Cause, and Identity
OUR PURPOSE, CAUSE, AND IDENTITY 16 Providing the best products and services possible is what we do; however, that’s not why we do it. We know that everything we do has an impact, and we believe it’s our responsibility to make sure it’s a positive one. Everything we do has an impact Shareholders Com