Legal disclaimer CROSSFIRST BANKSHARES, INC. FORWARD
-LOOKING STATEMENTS. The financial results
in this presentation reflect preliminary, unaudited results, which
are not final until the Company’s Quarterly Report on Form 10
-Q is filed. 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, future events and our financial performance
.
These forward-looking statements include, but are not limited to, statements
regarding our business plans, expansion targets and opportunities,
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,” “anticipate,” “target,”
“expectations,” “expect,” “will,” “strategy,” “goal, “focused,” “foresee”
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: 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; the transition away from the
London Interbank Offered Rate (LIBOR); 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, acts of war or terrorism
or other external events; and changes in laws, rules,
regulations, interpretations or policies relating to financial institutions.
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 information
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 verified them. Statements as to our market position
are based on market data currently available to us. Although we
are not aware of any misstatements regarding the economic, employment,
industry and other market data presented herein, these estimates
involve inherent
risks and uncertainties and are based on assumptions that are
subject to change. * CrossFirst acquired Farmers & Stockmens
Bank (referred to herein as “Central”) on November 22, 2022.
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