First Bancshares, Inc. · OTC:FIBH

First Bancshares — Merger or Acquisition (September 2021)

8 slides from First Bancshares's merger presentation, Sep 2, 2021

  1. Slide 1: Acquisition of 7 Mississippi Branches from Cadence Bancorporation / BancorpSouth Bank

    NASDAQ: FBMS Acquisition of 7 Mississippi Branches fromCadence Bancorporation / BancorpSouth BankSeptember 2, 2021 25518788

  2. Slide 2: Caution Regarding Forward Looking Statements

    Caution Regarding Forward Looking Statements This presentation and certain of our other filings of The First Bancshares, Inc. (the “Company” or “FBMS”) with the Securities and Exchange Commission contain statements that constitute “forward looking statements” within the meaning of, and subject to th

  3. Slide 3: Transaction Rationale

    Source: S&P Global Market Intelligence; Company Documents Transaction Rationale StrategicRationale Advances strategy of building a regional community bank across the SoutheastStrong pro forma deposit market share in Mississippi’s Golden TriangleLow-cost deposits strengthen established funding baseOp

  4. Slide 4: Expansion into Mississippi's Golden Triangle

    Expansion into Mississippi’s Golden Triangle Acquisition Highlights 4 Note: Deposit data as of June 30, 2021Source: S&P Global Market Intelligence and Company Documents 25518788 Albany Hattiesburg Valdosta Panama City Beach Moultrie Tallahassee Destin Pensacola New Orleans Baton Rouge Shreveport Jac

  5. Slide 5: Market Overview: Golden Triangle

    Market Overview: Golden Triangle FBMS Franchise Overview 5 Note: Legacy deposit data for FBMS as of June 30, 2020; FBMS and Golden Triangle demographic data weighted by deposits; Projected growth for the period 2021 - 2026(1) Golden Triangle aggregate of Starkville MSA, West Point MSA and Monroe Cou

  6. Slide 6: Pro Forma Deposit Market Share

    Note: FDIC deposit data as of June 30, 2020; Acquired branch data as of June 30, 2021(1) Pro forma for the pending BXS-CADE MOE and announced branch sale to FBMSSource: S&P Global Market Intelligence and Company Documents Pro Forma Deposit Market Share 6 25518788 Leading pro forma deposit market sha

  7. Slide 7: Pro Forma Deposit Mix

    Note: Deposit composition data by type as of June 30, 2021; Deposit data by state as of June 30th for each period shown(1) FBMS deposits without reclassification; At June 30, 2021, $711.7 million in noninterest deposit balances and $837.9 million in NOW deposit accounts were reclassified as money ma

  8. Slide 8: The First Bancshares, Inc.

    NASDAQ: FBMS The First Bancshares, Inc.6480 Hwy 98 WestHattiesburg, MS 39402www.TheFirstBank.com 25518788

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