KBW CBIC Conference August 4, 2023 Mike Maddox, President & CEO Randy Rapp, President, CrossFirst Bank Ben Clouse, CFO LEGAL DISCLAIMER CROSSFIRST BANKSHARES, INC. FORWARD -LOOKING STATEMENTS. This presentation and oral statements made relating to this presentation contain forward -looking statements. These forward- looking statements reflect our current views with respect to, among other things, statements regarding our business plans; expectations, expansion targets and opportunities for growth; the impact of the acquisition of Canyon Bancorporation, Inc. and Canyon Commu nity Bank, N.A. (collectively “Canyon”); and our post-transaction plans, objectives, expectations and intentions; our expense management initiatives and the results expected to be realized from those initiatives; our anticipated expenses, cash requirements and sources of liquidity; our capital allocation strategies and plans; and future financial performance. These statements are often, but not always, made through the use of words or phrases such as “positioning,” “growth,” “approximately,” “believe,” “plan,” “future,” “opportunity,” “anticipated,” “target,” “expectations,” “expect,” “will,” “strategy,” “goal, “focused,” “foresee”, “estimate”, “intend”, “plan”, “projection”, “annualized” 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, estimates 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. There are
or will be important factors that could cause our actual results to differ
materially from those indicated in these forward-looking statements,
including, but not limited to, the following: impacts on us and our clients
of a decline in general business and economic conditions and any
regulatory responses thereto, including uncertainty and volatility
in the financial markets; interest rate fluctuations; our ability to
effectively execute our growth strategy and manage our growth,
including identifying and consummating suitable mergers and acquisitions,
entering new lines of business or offering new or enhanced services
or products; fluctuations in fair value of our investments due to factors
outside of our control; our ability to successfully manage
credit risk and the sufficiency of our allowance; geographic
concentration of our markets; economic impact on our commercial real
estate and commercial-based loan portfolios, including declines
in commercial and residential real estate values; an increase
in non-performing assets; our ability to attract, hire and retain key personnel;
maintaining and increasing
customer deposits, funding availability, liquidity and our ability
to raise and maintain sufficient capital; competition from banks, credit
unions and other financial services providers; the effectiveness
of our risk management framework; accounting estimates; our ability
to maintain effective internal control over financial reporting; our
ability to keep pace with technological changes; cyber incidents
or other failures, disruptions or security breaches; employee
error, fraud committed against the Company or our clients, or incomplete
or inaccurate information about clients and counterparties; mortgage
markets; our ability to maintain our reputation; costs and effects of
litigation; environmental
liability; risk exposure from transactions with financial counterparties;
severe weather, natural disasters, pandemics or other external
events; climate change and responses to climate change; changes
in laws, rules, regulations, interpretations or policies relating to financial
institutions including stringent capital requirements, higher FDIC
insurance premiums and assessments, consumer protection
laws and privacy laws; volatility in our stock price; the ability of our
Board to issue our preferred stock; risks inherent with proposed business
acquisitions and the failure to achieve projected synergies; or other
external events. These and other factors that could cause
results to differ materially from those described in the forward
-looking statements, as well as a discussion of the risks and uncertainties
that may affect our business, can be found in our Annual Report on
Form 10-K, our Quarterly Reports on Form 10-Q and in other
filings we make with the Securities and Exchange Commission. These
forward-looking statements are made as of the date hereof,
and we disclaim any obligation to update any forward-looking statement
or to publicly announce the results of any revisions to any of the
forward-looking statements included herein, except as required by
law. MARKET AND INDUSTRY DATA. This presentation
references certain market, industry and demographic data, forecasts
and other statistical information. We have obtained this data, forecasts
and information from various independent, third party industry
sources and publications. Nothing in the data, forecasts or informat
ion used or derived from third party sources should be construed
as advice. Some data and other information are also based on our
good faith estimates, which are derived from our review of
industry publications and surveys and independent sources. We
believe that these sources and estimates are reliable but have not independently
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