19 Combined Presence in Several Key Markets ▪ Creates a combined presence in five of the top 25 largest MSAs in a region covering Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee ▪ Outside of top 25 MSAs, the combined company enhances total deposit market share from existing legacy footprints and incremental growth in less competitive markets Rank MSA Name 2019 Total Population (actual) SMBK 2018 In-Market Deposits ($000) ENFC 2018 In-Market Deposits ($000) Pro Forma 2018 Deposits ($000) 2018 Total Market Deposits ($000) 2018 Total Deposit Market Share (%) 1 Miami-Fort Lauderdale-West Palm Beach, FL 6,283,790 - - - 2 Atlanta-Sandy Springs-Roswell, GA 6,017,552 - 164,061 164,061 168,492,164 0.10 3 Tampa-St. Petersburg-Clearwater, FL 3,171,289 - - - 4 Charlotte-Concord-Gastonia, NC-SC 2,591,118 - - - 5 Orlando-Kissimmee-Sanford, FL 2,589,416 - - - 6 Nashville-Davidson--Murfreesboro--Franklin, TN 1,955,604 25,551 - 25,551 61,450,649 0.04 7 Virginia Beach-Norfolk-Newport News, VA-NC 1,740,113 - - - 8 Jacksonville, FL 1,549,094 - - - 9 Raleigh, NC 1,366,959 - - - 10 Memphis, TN-MS-AR 1,351,871 - - - 11 Birmingham-Hoover, AL 1,154,278 - - - 12 Greenville-Anderson-Mauldin, SC 912,621 - 44,917 44,917 16,978,025 0.26 13 Knoxville, TN 887,454 303,487 - 303,487 17,147,660 1.77 14 Columbia, SC 837,258 - - - 15 North Port-Sarasota-Bradenton, FL 825,378 - - - 16 Charleston-North Charleston, SC 799,117 - - - 17 Greensboro-High Point, NC 769,635 - - - 18 Cape Coral-Fort Myers, FL 757,170 - - - 19 Lakeland-Winter Haven, FL 705,037 - - - 20 Winston-Salem, NC 674,337 - - - 21 Deltona-Daytona Beach-Ormond Beach, FL 663,125 - - - 22 Augusta-Richmond County, GA-SC 607,827 - - - 23 Palm Bay-Melbourne-Titusville, FL 602,191 - - - 24 Durham-Chapel Hill, NC 578,696 - - - 25 Chattanooga, TN-GA 562,664 352,609 - 352,609 9,740,525 3.62 TOTAL 39,953,594 681,647 208,978 890,625 273,809,023 0.33 Includes pro forma impact of SMBK’s acquisition of Foothills Bancorp, Inc. on 11/01/18 Ranked by 2019 total population Source: S&P Global Market Intelligence