Proprietary & Confidential INVESTOR PRESENTATION | Q1 2021 atlanticcapitalbank.com NASDAQ TICKER: ACBI

atlanticcapitalbank.com Forward-Looking Statements Disclaimer and Non-GAAP Financial Information This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “strive,” “projection,” “would,” and “outlook,” 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, 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. The following risks, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: The impact of the COVID-19 pandemic and the responses of governmental authorities on our operations, including declines in credit quality, strains on capital and liquidity, fluctuations in our fintech and payments processing business, and declines in deposits; our participation in the Paycheck Protection Program administered by the Small Business Administration (“SBA”); our strategic decision to focus on the greater Atlanta market may not positively impact our financial condition in the expected timeframe, or at all; costs associated with our growth and hiring initiatives in the Atlanta market area; risks associated with geographic concentration, borrower concentration and concentration in commercial real estate and commercial and industrial loans; our strategic decision to increase our focus on SBA and franchise lending may expose us to additional risks associated with these types of lending, including industry concentration risks, our ability to sell the guaranteed portion of SBA loans, the impact of negative economic conditions on small businesses’ ability to repay the non-guaranteed portions of SBA loans, and changes to applicable federal regulations; risks associated with our ability to manage the planned growth of our fintech and payments processing business, including evolving regulations, security risks, and unforeseen increases in transaction volume resulting from changes in our customers’ businesses and changes in the competitive landscape for fintech and payments processing; changes in asset quality and credit risk; the cost and availability of capital; customer acceptance of our products and services; customer borrowing, repayment, investment and deposit practices; the introduction, withdrawal, success and timing of business initiatives; the impact, extent, and timing of technological changes; severe catastrophic events in our geographic area; a weakening of the economies in which we conduct operations may adversely affect our operating results; the U.S. legal and regulatory framework could adversely affect the operating results of the Company; the interest rate environment may compress margins and adversely affect net interest income; our ability to anticipate or respond to interest rate changes correctly and manage interest rate risk presented through unanticipated changes in our interest rate risk position and/or short- and long-term interest rates; changes in trade, monetary and fiscal policies of various governmental bodies and central banks could affect the economic environment in which we operate; our ability to determine accurate values of certain assets and liabilities; adverse developments in securities, public debt, and capital markets, including changes in market liquidity and volatility; unanticipated changes in our liquidity position, including but not limited to our ability to enter the financial markets to manage and respond to any changes to our liquidity position; the impact of the transition from LIBOR and our ability to adequately manage such transition; adequacy of our risk management program; increased competitive pressure due to consolidation in the financial services industry; risks related to security breaches, cybersecurity attacks, and other significant disruptions in our information technology systems; and other risks and factors identified in our most recent annual report on Form 10-K and our other reports filed with or furnished to the Securities and Exchange Commission (“SEC”) from time to time. Statements included in this presentation include non-GAAP financial measures and should be read along with the accompanying tables, which provide a reconciliation of non-GAAP financial measures common to GAAP financial measures. Atlantic Capital management uses non-GAAP financial measures, including:(i) taxable equivalent net interest income, (ii) taxable equivalent net interest margin, (iii) tangible book value per common share, (iv) tangible common equity to tangible assets;(v) pre-provision net revenue, (vi) allowance for credit losses to loans held for investment excluding PPP, and (vii) allowance for loan losses to loans held for investment excluding PPP. Tangible common equity excludes goodwill from shareholders’ equity. Management believes that non-GAAP financial measures provide a greater understanding of ongoing performance and operations, and enhance comparability with prior periods. Non-GAAP financial measures should not be considered as an alternative to any measure of performance or financial condition as determined in accordance with GAAP, and investors should consider Atlantic Capital’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP financial measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial condition as reported under GAAP. Non-GAAP financial measures may not be comparable to non-GAAP financial measures presented by other companies. 2

atlanticcapitalbank.com Q1 2021 Overview Performance Highlights Credit Update • Reported net income was $13.4 million or $0.65 per diluted share. • Taxable equivalent revenue increased 19.5% annualized from Q4 2020 and 15.4% year over year. • Loans increased 9% annualized on a linked quarter basis and 19% year over year. • Quarterly average deposits increased 39% annualized on a linked quarter basis and 40% year over year. • Cost of deposits decreased to 0.12% compared to 0.16% in the fourth quarter of 2020. • The provision for credit losses was negative $4.5 million reflecting positive credit migration and an improved economic outlook. • Credit quality improved as classified loans decreased 34% from the fourth quarter of 2021. •Annualized net charge-offs remained low at 0.04% of average loans. • Nonperforming assets decreased to 0.06% of total assets. 3 Atlantic Capital produced another quarter of strong operating results.

atlanticcapitalbank.com Financial Highlights: Continuing Operations (1) Pre-provision net revenue (PPNR) is calculated as the sum of taxable equivalent net interest income and noninterest income less noninterest expense (except provision for credit losses). Dollars in millions. For a reconciliation of this non-GAAP financial measure, see slides 31-32. (2) Dollars in millions. (3)Taxable equivalent. (4) Amounts are estimates as of March 31, 2021. Please see reconciliation on slides 31-32 for more details. (5) Percentage changes are annualized. Income Balance Sheet(2) METRICS Q4 2020 Q1 2021 Change vs Performance Measures Q1 2020 Q1 2020 Q4 2020(5) Capital Ratios Diluted EPS $ 0.65 $ 0.48 $ 0.10 $ 0.17 142% $ 0.55 550% Pre-provision net revenue (PPNR) (1) 12.1 12.8 10.7 (0.7) (22%) 1.4 13% Total loans held for investment (period-end) $ 2,301 $ 2,249 $ 1,933 $ 52 9% $ 368 19% Total loans excluding PPP loans 2,082 2,057 1,933 25 5% 149 8% Total deposits (quarterly average) 3,157 2,874 2,255 283 39% 902 40% Non-interest bearing deposits (quarterly average) 1,137 977 713 160 66% 424 59% Tangible book value per common share $ 15.74 $ 15.62 $ 14.54 Net interest margin (3) 2.81 % 2.91 % 3.41 % Efficiency ratio 56.30 51.30 55.03 Tangible common equity to tangible assets 8.63 % 8.86 % 11.57 % Leverage ratio (4) 8.4 8.9 10.7 Total risk based capital (4) 16.4 16.1 14.9 (10 bps) (500 bps) $0.12 (23 bps) (294 bps) 30 bps 150 bps $1.20 (60 bps) (127 bps) (50 bps) (230 bps) 4

Owner-occupied CRE 17% atlanticcapitalbank.com Commercial Lending Focus $688 $790 $944 $1,063 $1,134 $1,115 $622 $605 $653 $686 $681 $693 $176 $203 $61 $62 $80 $73 $65 $71 $144 $192 $219 $1,519 $2,301 Loans from Continuing Operations Loan yield Commercial(1) CRE(2) Consumer Mortgage Warehouse 3.79% 4.27% 5.01% 5.26% 3.89% 3.89% $1,515 $1,728 Dollars in millions. Prior periods have been retrospectively adjusted for the impact of discontinued operations. (1) Commercial loans include commercial and industrial and owner occupied CRE loans. (2) CRE loans include non-owner occupied and construction and land. (3) Other loans include residential mortgages, home equity, and other loans. $1,874 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 3/31/2021 PPP Loan yield excluding PPP loans $2,249 • Loan growth: • Year-over-year: 9% • Linked-quarter: 19% annualized Highlights 3.86% 3.83% Residential 2% Multifamily 3% Consumer 9% PPP 10% C&I 32% Other 1% Fixed 42% Floating 48% PPP 10% Construction & Land 6% Commercial Real Estate 20% Other(3) 5

atlanticcapitalbank.com Strong Core Deposit Franchise 28% 32% 33% 33% 34% 36% 56% 56% 61% 61% 58% 53% 1% 1% 1% 1% 5% 9% 15% 3% 3% 11% 5% $3,157 5% Average Deposits from Continuing Operations Dollars in millions. Deposit figures represent average balances. Prior periods have been retrospectively adjusted for the impact of discontinued operations. DDA NOW, Money Market & Savings Time $1,540 $1,633 Deposit cost $1,419 $1,805 0.28% 0.38% 0.52% 0.77% 0.31% 0.12% 2016 2017 2018 2019 2020 Q1 2021 Brokered 5% Highlights • Continued strong growth in deposits: • Q1 2021 vs Q1 2020: 40% • Q1 2021 vs Q4 2020: 39% annualized • Growth in treasury management and processing relationships has resulted in strong DDA growth. • 36% of total deposits • Q1 2021 vs Q1 2020: 59% • Q1 2021 vs Q4 2020: 65% annualized • The growth in time deposits was generated from a fintech partnership. • The cost of interest bearing deposits decreased 0.06% to 0.19% in Q1 2021. $2,504 6

atlanticcapitalbank.com Atlanta’s Hometown Business Bank • C&I Banking – Entrepreneurs and emerging growth companies value experienced commercial bankers attuned to clients’ needs. • Commercial Real Estate – Established relationships with experienced developers of institutional grade properties. • Private Banking - Personalized banking service for owners/operators and other private clients. Atlanta Market Highlights Atlanta Loan and Deposit Composition – 3/31/2021 Loans QTD Average Deposits Commercial & Private Banking 87% Commercial & Private Banking 58% Real Estate Banking 41% $1,149 $1,421 Commercial & Private Banking 90% Real Estate Banking 10% Commercial & Private Banking 59% Dollars in millions Focused on commercial clients and individuals that value high touch relationships and expertise Atlanta Loans Atlanta Deposits $870 $943 $1,050 $1,114 $1,114 $1,149 3.83% 4.24% 4.98% 5.11% 3.88% 3.55% 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 3/31/2021 Loans Yield on Loans $731 $785 $885 $948 $1,166 $1,421 0.19% 0.19% 0.34% 0.57% 0.23% 0.10% 2016 2017 2018 2019 2020 Q1 2021 Average Deposits Cost of Deposits 7

atlanticcapitalbank.com Rapidly Growing Fintech & Payments Businesses • Powering fintech and payments companies across the US • Rapidly growing recurring revenue stream • Top 40 ACH Bank in the US(1) • Diversified platform of capabilities • High volume ACH • Fintech partnerships • Card issuance (focused on debit & prepaid) • Private Equity banking Average Deposits – Payments & Processing Businesses ($ in millions) Loans ($ in millions) Highlights Service Charge Income ($ in thousands) $31 $37 $46 $64 $243 $252 4.14% 4.54% 5.23% 5.30% 3.35% 2.99% 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 3/31/2021 Loans Yield on Loans $906 $1,243 $1,529 $1,977 $3,438 $766 $1,274 2016 2017 2018 2019 2020 Q1 2020 Q1 2021 $224 $283 $322 $421 $661 $993 0.32% 0.40% 0.52% 0.66% 0.19% 0.06% 2016 2017 2018 2019 2020 YTD 2021 Deposits Cost of Deposits (1)by National Automated Clearing House Association (NACHA) 8

atlanticcapitalbank.com Financial Update: Q1 2021 Income Summary Net interest income(1) 23,710 $ 22,989 $ 21,203 $ 12% Provision for credit losses (4,519) 481 8,074 -156% Noninterest income 3,562 3,016 2,422 47% Noninterest expense 15,149 13,164 12,877 18% Income before taxes 16,642 12,360 2,674 522% Income tax expense 3,280 2,410 550 496% Net income from continuing operations 13,362 $ 9,950 $ 2,124 $ 529% Diluted EPS - continuing operations 0.65 $ 0.48 $ 0.10 $ 550% Pre-provision net revenue (PPNR)(2) 12,123 $ 12,841 $ 10,748 $ 13% Q1 2020 Q4 2020 Q1 2021 Q1 2021 Highlights(3) • Net interest income benefitted from strong balance sheet growth along with income from PPP loans. • Reversal of allowance for credit losses was due to loan upgrades and improved forecasts. • Noninterest income increased from higher service charge income and an increase in SBA income. • Higher expenses due to increase in personnel expenses. Dollars in thousands except EPS. (1)Net interest income is taxable equivalent and a non-GAAP financial measure. Please see reconciliation on slides 31-32 for more details. (2) Pre-provision net revenue (PPNR) is calculated as the sum of taxable equivalent net interest income and noninterest income less noninterest expense (except provision for credit losses). Dollars in thousands. For a reconciliation of this non-GAAP financial measure, see slides 31-32. (3)Q1 2021 results compared to Q4 2020 results. Change vs Q1 20 9

atlanticcapitalbank.com Balance Sheet Liquidity Average Loan / Deposit Ratio 84% 88% 89% 77% 72% Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Average Interest Bearing Deposits in Other Banks $177,063 $129,989 $136,459 $435,939 $561,809 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 • Atlantic Capital’s liquidity position remains strong benefitting from continued deposit growth across most lines of business. • Liquidity is expected to remain strong in 2021 even as deposit growth is anticipated to moderate. 10 Dollars in thousands

atlanticcapitalbank.com Net Interest Margin NIM by Quarter(1) Net Interest Income by Quarter(1) Dollars in thousands Income and margin from continuing operations (1)Net interest income and net interest margin are taxable equivalent and are non-GAAP financial measures. Taxable equivalent net interest income is used in calculating taxable equivalent net interest margin. Please see reconciliation on slides 31-32 for more details. Net interest margin Net interest margin adjusted for excess cash Net interest income (excl. PPP) PPP interest income • Excess cash balances from strong deposit growth negatively impacted the net interest margin by 27bps in Q4 2020 and 36bps in Q1 2021. • PPP loans benefitted the net interest margin by 10 bps in Q4 2020 and 11 bps in Q1 2021. 3.41% 3.23% 3.14% 2.91% 2.81% 3.14% 3.18% 3.17% Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 3.23% 3.41% 11 $21,289 $20,475 $20,685 $21,492 $696 $1,588 $2,304 $2,218 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 $22,063 $22,989 $21,203 $21,985 $23,710

atlanticcapitalbank.com Noninterest Expense Overview Q1 2021 Highlights Dollars in thousands (1) Continuing operations Noninterest Expense and Efficiency Ratio by Year(1) Noninterest Expense $50,099 $52,834 $49,991 $53,108 $52,659 76.3% 70.4% 57.9% 58.0% 54.1% 2016 2017 2018 2019 2020 Q1 2021 Q4 2020 Q1 2020 Salaries and employee benefits 10,421 $ 8,437 $ 8,476 $ 1,945 $ 23% Occupancy 734 767 794 (60) (8%) Equipment and software 774 969 779 (5) (1%) Professional services 922 686 705 217 31% Communications and data processing 792 789 897 (105) (12%) FDIC 275 241 - 275 Other noninterest expense 1,231 1,275 1,226 5 0% Noninterest expense 15,149 $ 13,164 $ 12,877 $ 2,272 $ 18% Year-over-Year change Noninterest Expense and Efficiency Ratio by Quarter $12,877 $12,904 $13,713 $13,164 $15,149 55.0% 53.8% 56.6% 51.3% 56.3% Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Noninterest Expense Efficiency Ratio • Salaries and employee benefits included $700,000 seasonal increase in benefit costs, $255,000 in PPP expenses, increase in short-term and long-term incentive costs, and the partial impact of eight net new hires and merit increases. • Professional services expense included approximately $200,000 in PPP expenses. 12

atlanticcapitalbank.com Strong Capital Position (1)For a reconciliation of this non-GAAP financial measure, see slides 31-32. (2)Amounts are estimates as of March 31, 2021 • Capital levels remained strong but were impacted by the increase in deposits and corresponding increase in the size of the balance sheet. • Reduced TCE and Tier 1 Leverage Ratios. • Continued share repurchase program: • Repurchased 222,000 shares totaling $4.2 million at an average price of $18.87 in Q1 2021. • $3.1 million of the $25 million program remaining. Highlights 14.9% 14.8% 16.9% 16.1% 16.4% 3/31/2020 6/30/2020 9/30/2020 12/31/2020 3/31/2021 Total Risk Based Capital Ratio(2) 10.7% 9.9% 9.9% 8.9% 8.4% 3/31/2020 6/30/2020 9/30/2020 12/31/2020 3/31/2021 11.6% 11.0% 11.0% 8.9% 8.6% 3/31/2020 6/30/2020 9/30/2020 12/31/2020 3/31/2021 Tangible Common Equity Ratio(1) Tier 1 Leverage Ratio(2) 13

atlanticcapitalbank.com Strong Historical Credit Quality Non-performing Assets / Total Assets Net Charge-Offs / Total Average Loans (0.01%) 0.05% 0.11% 0.23% 0.02% 0.11% 0.11% 0.04% 2014 2015 2016 2017 2018 2019 2020 Q1 2021 0.12% 0.40% 0.13% 0.14% 0.20% 0.26% 0.13% 0.06% Highlights Classified Loans / Total Loans 1.40% 0.66% 1.68% 1.76% 2.10% 1.99% 3.25% 2.10% 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 • Overall credit quality remained solid with limited charge-offs and non- accruals. • Classified loans decreased 34% from 12/31/2020 primarily due to upgrades. • Criticized loans decreased from 7.9% of total loans as of 12/31/2020 to 7.0% as of 3/31/2021. • Deferrals declined and remained less than 1% of total loans. • Allowance for credit losses decreased from 1.70% of loans excluding PPP to 1.45%. • Net charge-offs were 0.04% annualized, non-performing assets remain low at 0.06% of totals assets. 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 14

atlanticcapitalbank.com Current Expected Credit Losses (CECL) $19,848 $35,085 $34,765 $34,946 $30,188 1.06% 1.80% 1.78% 1.70% 1.45% 1.61% 1.59% 1.55% 1.31% Day 1 6/30/2020 9/30/2020 12/31/2020 3/31/2021 Allowance for Credit Losses (ACL) Allowance for Loan Losses (ALL) ACL/Loans HFI excluding PPP(1) ACL/Loans HFI ALL/Loans HFI excluding PPP(1) ALL/Loans HFI $17,681 $31,605 $31,894 $31,818 $27,506 0.94% 1.62% 1.63% 1.55% 1.32% 1.45% 1.46% 1.41% 1.20% Day 1 6/30/2020 9/30/2020 12/31/2020 3/31/2021 ACL ALL Dollars in thousands (1)For a reconciliation of this non-GAAP financial measure, see slides 31-32. • Reversal of allowance for credit losses was due to loan upgrades and improved forecasts. • ACL remains robust at 1.31% of loans (1.45% excluding PPP loans). 15

atlanticcapitalbank.com Hotel Portfolio • $101 million outstanding net of SBA/USDA guaranteed portions as of 3/31/2021 • Weighted average original LTV 66% • Breakeven occupancy 45 – 60% • Average occupancy November 2020 – 50% (CRE 56%, SBA 48%) • Average occupancy February 2021 – 49% (CRE 47%, SBA 50%) • $26 million special mention, $1 million classified, $0 non- accrual Hotel Loans by State Hotel Portfolio Highlights Hotel Loans by Type Hotel Loans by Brand CRE $66MM, 54% SBA 504 $29MM, 23% SBA guaranteed $22MM, 18% SBA unguaranteed $6MM, 5% Hilton $38MM, 31% Marriott $38MM, 31% Hyatt $21MM, 17% InterContinental $14MM, 11% Other $12MM, 10% GA $41MM, 33% SC $18MM, 15% TN $53MM, 43% FL $5MM, 4% NC $5MM, 4% Other $1MM, 1% Excludes PPP loans 16

atlanticcapitalbank.com Restaurant Portfolio Restaurant Loans by State Restaurant Portfolio Highlights Restaurant Loans by Concept Restaurant Loans by Type • $184 million outstanding as of 3/31/2021 • 93% QSR; Dunkin’ 45% of QSR • 97% of QSR locations did not close during shutdowns • 85% of QSRs have drive-thru or existing delivery model • $24 million special mention, $4 million classified, $0 non- accrual • 7% full service – no classified or non-accrual GA $61MM, 33% FL $35MM, 19% IL $13M, 7% NJ $12M, 7% MD $9MM, 5% MO $9MM, 5% NY $6MM, 3% VA $6M, 3% OR $5M, 3% Other $28MM, 15% Dunkin’ $77MM, 42% Other QSR $93MM, 51% Full service $14MM, 7% SNC $9MM, 5% Franchise finance $149MM, 81% C&I $4MM, 2% CRE $10MM, 5% SBA $9MM, 5% TriNet $4MM, 2% Excludes PPP loans 17

atlanticcapitalbank.com Paycheck Protection Program (PPP) Update Dollars in thousands Period Ending Balance Average Balance Interest Income Fee Income Total Income Total Yield Q2 2020 $ 234,049 $ 184,357 $ 479 $ 217 $ 696 1.52% Q3 2020 $ 231,834 $ 233,082 $ 584 $ 1,005 $ 1,589 2.71% Q4 2020 $ 192,160 $ 217,368 $ 546 $ 1,758 $ 2,304 4.22% Q1 2021 $ 218,766 $ 201,700 $ 498 $ 1,720 $ 2,218 4.46% • $4.7 million in fees still to be recognized • $47 million in loans forgiven in the first quarter of 2021 • Originated 291 round two PPP loans totaling $73 million as of March 31, 2021 18

Appendix

atlanticcapitalbank.com Management Biographies Douglas Williams President and Chief Executive Officer • President and CEO of Atlantic Capital since its inception • Former Managing Director and Head of Wachovia Corporation’s International Corporate Finance Group • Held numerous roles within Wachovia, including EVP and Head of the Global Corporate Banking Division; CRO for all corporate, institutional, and wholesale banking activities; EVP and Co-Head of Wachovia’s Capital Markets Division and EVP and Head of Wachovia’s US Corporate Banking Division • Former chairman of the Community Depository Institutions Advisory Council (CDIAC) of the Federal Reserve Bank of Atlanta and its representative to the CDIAC of the Federal Reserve Board of Governors • Serves on the Boards of the Metro Atlanta Chamber of Commerce and the Georgia Chamber of Commerce, is a Member of the Buckhead Coalition, and former member of YMCA of Metropolitan Atlanta and the High Museum of Art boards • President, Atlanta Division of Atlantic Capital since December 2019 • EVP, General Banking Division Executive of Atlantic Capital from 2017 through 2019 • CRO of Atlantic Capital from its inception through 2017 • Former Chief Credit Officer for Wachovia’s Capital Finance business • Former Head of Risk Management for all of Wachovia’s Capital Markets business • Serves on the Board of Trustees at Children’s Literature for Children • CFO of Atlantic Capital since NASDAQ listing in 2015 • Former CFO of Square 1 Financial, Inc. • Former EVP and CFO of Encore Bancshares, Inc. • Former SVP and Treasurer of Sterling Bancshares, Inc. • Chartered Financial Analyst • EVP and CRO of Atlantic Capital since October 2017 • Senior Risk Management Officer at Atlantic Capital from inception • Former Director in Wachovia’s Risk Management Division supporting Corporate, Investment Banking and Capital Markets groups • Former Client Management and Risk Management Officer in Wachovia’s middle market commercial group in North Carolina Gray Fleming Executive Vice President, Chief Risk Officer • President, Corporate Financial Services Division since December 2019 • EVP at Atlantic Capital from inception through December 2019 • Former Managing Director and Group Head for Wachovia Securities’ Continental European Group • Member of TWIN (The World Innovation Network – Chicago), Fiserv’s Commercial Payments Advisory Board and a former executive in residence at Juniata College in Pennsylvania Kurt Shreiner President, Corporate Financial Services Division Patrick Oakes, CFA Executive Vice President, Chief Financial Officer Rich Oglesby President, Atlanta Division 20

atlanticcapitalbank.com Atlanta’s Hometown Business Bank • Proven underwriting; superior credit quality • Lead with strong risk and compliance • Strong capital • Capitalize on Atlanta market opportunities • Fintech and processing businesses • Core deposit strength Fundamentally Sound Positioned for Growth TOTAL ASSETS $3.7 Billion • Atlanta’s Hometown BUSINESS BANK • Fast growing FINTECH & PAYMENTS businesses • EMERGING GROWTH and ENTREPRENEURIAL focus • Continued INVESTMENT IN TECHNOLOGY 21

atlanticcapitalbank.com Atlanta’s Hometown Business Bank Atlanta metro highlights: •#1 for economic growth potential (among large metro areas) • 16 Fortune 500 headquarters •#1 world’s busiest airport •#4 metro area for largest increase in population (2018-2019) •#2 moving destination • 70% of all US payments are processed through Georgia Sources: Metro Atlanta Chamber, City Data, Penske and American Transaction Processors Coalition Atlanta MSA GDP $200 $250 $300 $350 $400 2013 2014 2015 2016 2017 2018 2019 Billions 22

atlanticcapitalbank.com Investment Portfolio Portfolio Yield Tax-exempt Municipal 38% Taxable Municipal 12% MBS 40% Agency CMO 5% Corporate 4% CDs 1% Sector Allocation at 3/31/2021 1.73% 2.25% 2.48% 2.69% 2.88% 2.62% 2016 2017 2018 2019 2020 Q1 2021 Municipal Bond Ratings 3/31/2021 AAA 44% AA+ 22% AA 29% AA- 4% Other 1% Portfolio Effective Duration 5.03 4.72 5.26 6.97 6.09 6.87 Extended portfolio duration to manage interest rate risk 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 3/31/21 23

atlanticcapitalbank.com Summary of Loan Portfolio Borrowers by State(2) Highlights C&I Concentrations(1) (2) CRE Concentrations by Property Type(1) GA $1,190MM, 75% TN $103MM, 6% FL $75MM, 5% SC $30MM, 2% NC $29MM, 2% Other $163MM, 10% (GA 80% excluding SBA and Franchise) (1) Commercial includes commercial and industrial, owner-occupied CRE; CRE includes non-owner occupied CRE, multifamily, construction (2) Excludes Trinet, PPP, and fintech partnership consumer loans Retail $150MM, 21% Office $120MM, 17% Multi-family $115MM, 16% Hotel $113MM, 16% Industrial $101MM, 15% Specialty Housing $49MM, 7% Other $57MM, 8% Restaurants and food $183MM, 16% Retail $147MM, 13% Manufacturing $114MM, 10% Wholesale $113MM, 10% Administrative support $90MM, 8% Finance and insurance $64MM, 6% Other $253MM, 23% Real estate lessors $42MM, 4% Other construction $40MM, 4% Transportation $70MM, 6% • $2.3 billion in total loans as of 3/31/2021 • Includes $219 million of PPP loans • Commercial focused loan portfolio • 89% commercial and CRE(1) • Concentrated in the Southeast • Granular portfolio • 27 loans larger than $10 million outstanding 24

atlanticcapitalbank.com Loan Portfolio by Risk Rating Pass Special Mention Substandard Doubtful Total Pass Special Mention Substandard Doubtful Total Commercial - commercial and industrial 871,507 $ 68,258 $ 14,288 $ - $ 954,053 $ 859,328 $ 65,796 $ 27,672 $ 9 $ 952,805 $ Commercial - commercial real estate 869,903 38,739 33,449 - 942,091 835,566 28,680 44,855 - 909,101 Commercial - construction and land 138,354 4,442 - - 142,796 140,774 4,821 - - 145,595 Residential - mortgages 30,180 1,432 205 - 31,817 30,621 2,847 315 - 33,783 Residential - home equity 25,567 726 - - 26,293 24,717 726 - - 25,443 Consumer 203,176 - - - 203,176 176,066 - - - 176,066 Other 6,320 914 455 - 7,689 12,324 1,117 456 - 13,897 Total 2,145,007 $ 114,511 $ 48,397 $ - $ 2,307,915 $ 2,079,396 $ 103,987 $ 73,298 $ 9 $ 2,256,690 $ Less net deferred fees and other unearned income (7,101) (7,654) Total loans held for investment 2,300,814 $ 2,249,036 $ Q1 2021 Q4 2020 25

atlanticcapitalbank.com Shared National Credit Portfolio SNC Portfolio Highlights SNC Portfolio by Industry • $184 million outstanding as of 3/31/2021 • Average commitment $12 million • 16% highly leveraged transactions (outstandings) • $15 million special mention, no classified, no non-accrual Other $18MM, 10% Gasoline stations with C stores $18MM, 10% Air cargo $17MM 9% General medical and surgical hospitals $15MM, 8% Continuing care retirement services $13MM, 7% Commercial printing $10MM, 6% Landscaping services $10MM, 6% Full service restaurants $10MM, 6% Limited service restaurants $9MM, 5% Crushed and broken limestone mining and quarrying $6MM, 3% FBO real estate leasing and services $6MM, 3% Professional employer organizations $13MM, 7% SNC Loans by State GA $57MM, 31% TN $39MM, 21% FL $33MM, 18% AZ $13MM, 7% NC $12MM, 7% PA $10MM, 5% MO $9MM, 5% TX $6MM 3% AL $5MM, 3% Electronic shopping and mail-in order houses $6MM, 3% Electronic computer manufacturing $6MM, 3% Cut and sew apparel contractors $6MM, 3% Paint/varnish supplies merchant wholesalers $6MM, 3% Aluminum extruded product mfg. $15MM, 8% 26

face="Arial" style="color:white;font-size:1.0pt;">atlanticcapitalbank.com share data) Mar. 31, Dec. 31, March 31, 32,850 $ 16,865 $ 27,536 612,966 636,537 114,829 645,816 653,402 142,365 available for sale 390,701 335,423 280,390 held to maturity, net of allowance for credit losses of $14 at 31, 2020 and March 31, 2020, respectively 222,535 200,156 186,015 24,709 25,892 27,140 1,847 – – 2,300,814 2,249,036 1,932,909 (27,506) (31,818) (24,896) 2,273,308 2,217,218 1,908,013 20,633 21,589 22,533 73,223 72,856 66,761 19,925 19,925 2,688 2,731 2,785 16 16 779 66,409 62,952 3,615,617 $ 2,719,658 1,280,524 $ 1,033,765 $ 712,919 485,540 760,638 368,463 625 567 1,030,753 982,109 241,328 66,793 74,576 94,399 94,268 3,161,508 2,225,119 75,000 73,878 73,807 49,916 40,770 41,716 37,323 3,392,340 3,277,031 2,387,358 par value; 10,000,000 shares authorized; no shares issued and 2020, December 31, 2020, and March 31, 2020 – – – 209,942 224,233 127,499 114,137 93,721 5,782 14,507 14,346 340,328 338,586 332,300 AND SHAREHOLDERS' EQUITY $ 3,732,668 $ 3,615,617 $ 2,719,658 value; 100,000,000 shares authorized; 20,354,077, 20,394,912, issued and outstanding as of March 31, 2021, December 31,

atlanticcapitalbank.com Period End Loans (dollars in thousands) March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020 Loans held for sale Loans held for sale $ 1,847 $ - $ 859 $ 1,153 $ - $ 1,847 $ 1,847 Loans held for sale - discontinued operations - - - - - - - Total loans held for sale $ 1,847 $ - $ 859 $ 1,153 $ - $ 1,847 $ 1,847 0 0 Loans held for investment Commercial loans: Commercial and industrial $ 735,287 $ 760,645 $ 712,567 $ 739,769 $ 760,062 $ (25,358) $ (24,775) PPP loans 218,766 192,160 231,834 234,049 - 26,606 218,766 Commercial real estate: Multifamily 80,507 66,262 58,336 58,909 73,654 14,245 6,853 Owner occupied 381,018 373,689 364,170 366,847 359,026 7,329 21,992 Investment 480,566 469,150 458,279 474,565 477,451 11,416 3,115 Construction and land: 1-4 family residential construction 1,578 1,171 - 11 2,706 407 (1,128) Other construction, development, and land 141,218 144,424 139,836 128,980 124,116 (3,206) 17,102 Mortgage warehouse loans - - - - - - - Total commercial loans 2,038,940 2,007,501 1,965,022 2,003,130 1,797,015 31,439 241,925 Residential: Residential mortgages 31,817 33,783 29,460 32,327 31,761 (1,966) 56 Home equity 26,293 25,443 24,528 23,689 23,479 850 2,814 Total residential loans 58,110 59,226 53,988 56,016 55,240 (1,116) 2,870 Consumer 203,176 176,066 154,916 113,149 58,164 27,110 145,012 Other 7,689 13,897 22,777 22,160 25,488 (6,208) (17,799) 2,307,915 2,256,690 2,196,703 2,194,455 1,935,907 51,225 372,008 Less net deferred fees and other unearned income (7,101) (7,654) (8,668) (9,761) (2,998) 553 (4,103) Total loans held for investment $ 2,300,814 $ 2,249,036 $ 2,188,035 $ 2,184,694 $ 1,932,909 $ 51,778 $ 367,905 Total loans $ 2,302,661 $ 2,249,036 $ 2,188,894 $ 2,185,847 $ 1,932,909 $ 53,625 $ 369,752 Total unfunded commitments $ 789,869 $ 813,757 $ 764,247 $ 749,321 $ 689,620 $ (23,888) $ 100,249 Linked Quarter Change Year Over Year Change 28

atlanticcapitalbank.com Deposits: Period End and Average Period End Deposits (dollars in thousands) March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020 Linked Quarter Change Year Over Year Change DDA $ 1,280,524 $ 1,033,765 $ 843,656 $ 883,662 $ 712,919 $ 246,759 $ 567,605 NOW 485,540 760,638 387,858 449,737 368,463 (275,098) 117,077 Savings 562 625 568 583 567 (63) (5) Money market 1,142,361 1,030,753 945,834 879,863 982,109 111,608 160,252 Time 294,129 241,328 196,343 131,353 66,793 52,801 227,336 Brokered 74,576 94,399 94,463 62,433 94,268 (19,823) (19,692) Total deposits $ 3,277,692 $ 3,161,508 $ 2,468,722 $ 2,407,631 $ 2,225,119 $ 116,184 $ 1,052,573 Average Deposits 2021 Linked (dollars in thousands) First Quarter Fourth Quarter Third Quarter Second Quarter First Quarter Quarter Change DDA $ 1,136,531 $ 977,009 $ 854,715 $ 815,299 $ 713,001 $ 159,522 $ 423,530 NOW 618,701 558,967 440,734 462,051 382,178 59,734 236,523 Savings 587 614 586 574 650 (27) (63) Money market 1,042,809 1,026,347 942,062 952,444 1,010,713 16,462 32,096 Time 273,615 221,792 166,019 96,362 55,775 51,823 217,840 Brokered 84,663 89,673 68,102 83,228 92,188 (5,010) (7,525) Total deposits $ 3,156,906 $ 2,874,402 $ 2,472,218 $ 2,409,958 $ 2,254,505 $ 282,504 $ 902,401 Noninterest bearing deposits as a percentage of average deposits 36.0% 34.0% 34.6% 33.8% 31.6% Cost of interest-bearing deposits 0.19% 0.25% 0.28% 0.33% 1.09% Cost of deposits 0.12% 0.16% 0.19% 0.22% 0.75% 2020 Q1 2021 vs Q1 2020 29

atlanticcapitalbank.com Income Statements (in thousands except share and per share data) March 31, 2021 December 31, 2020 September 30, 2020 June 30, 2020 March 31, 2020 Total interest income $ 25,410 $ 24,943 $ 24,233 $ 23,797 $ 26,023 Total interest expense 2,065 2,299 2,515 2,166 5,043 NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES 23,345 22,644 21,718 21,631 20,980 Provision for credit losses (4,519) 481 28 8,863 8,074 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 27,864 22,163 21,690 12,768 12,906 NONINTEREST INCOME Service charges 1,663 1,341 1,217 1,081 1,232 Gains (losses) on sale of securities 2 (23) – – – Gains (losses) on sale of other assets – (6) (145) – 5 Derivatives income (loss) 47 11 10 (10) 246 Bank owned life insurance 391 368 363 367 362 SBA lending activities 1,225 1,015 893 782 414 Other noninterest income 234 310 166 123 163 Total noninterest income 3,562 3,016 2,504 2,343 2,422 NONINTEREST EXPENSE Salaries and employee benefits 10,421 8,437 8,850 8,466 8,476 Occupancy 734 767 739 883 794 Equipment and software 774 969 826 763 779 Professional services 922 686 562 792 705 Communications and data processing 792 789 757 670 897 Marketing and business development 108 144 141 79 153 Travel, meals and entertainment 10 14 39 34 140 FDIC premiums 275 241 213 175 – Other noninterest expense 1,113 1,117 1,586 1,042 933 Total noninterest expense 15,149 13,164 13,713 12,904 12,877 INCOME BEFORE PROVISION FOR INCOME TAXES 16,277 12,015 10,481 2,207 2,451 Provision for income taxes 2,915 2,065 1,863 358 327 NET INCOME 13,362 9,950 8,618 1,849 2,124 Net income per common share - basic $ 0.66 $ 0.48 $ 0.40 $ 0.09 $ 0.10 Net income per common share - diluted $ 0.65 $ 0.48 $ 0.40 $ 0.09 $ 0.10 Weighted average shares - basic 20,380,066 20,711,089 21,500,735 21,472,462 21,689,038 Weighted average shares - diluted 20,502,184 20,795,332 21,543,805 21,535,040 21,842,175 Three months ended 30

atlanticcapitalbank.com Non-GAAP Financial Measures (in thousands, except share and per share data) First Quarter Fourth Quarter Third Quarter Second Quarter First Quarter Taxable equivalent net interest income reconciliation Net interest income - GAAP $ 23,345 $ 22,644 $ 21,718 $ 21,631 $ 20,980 Taxable equivalent adjustment 365 345 345 354 223 Net interest income - taxable equivalent $ 23,710 $ 22,989 $ 22,063 $ 21,985 $ 21,203 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 2.76% 2.86% 3.09% 3.17% 3.38% Impact of taxable equivalent adjustment 0.05% 0.05% 0.05% 0.06% 0.03% Net interest margin - taxable equivalent - continuing operations 2.81% 2.91% 3.14% 3.23% 3.41% Tangible book value per common share reconciliation Total shareholders’ equity $ 340,328 $ 338,586 $ 340,309 $ 335,980 $ 332,300 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible common equity $ 320,403 $ 318,661 $ 320,384 $ 316,055 $ 312,375 Common shares outstanding 20,354,077 20,394,912 21,202,783 21,477,631 21,479,986 Book value per common share - GAAP $ 16.72 $ 16.60 $ 16.05 $ 15.64 $ 15.47 Tangible book value 15.74 15.62 15.11 14.72 14.54 Tangible common equity to tangible assets reconciliation Total shareholders’ equity $ 340,328 $ 338,586 $ 340,309 $ 335,980 $ 332,300 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible common equity $ 320,403 $ 318,661 $ 320,384 $ 316,055 $ 312,375 Total assets $ 3,732,668 $ 3,615,617 $ 2,923,977 $ 2,890,622 $ 2,719,658 Intangible assets (19,925) (19,925) (19,925) (19,925) (19,925) Total tangible assets $ 3,712,743 $ 3,595,692 $ 2,904,052 $ 2,870,697 $ 2,699,733 Tangible common equity to tangible assets 8.63% 8.86% 11.03% 11.01% 11.57% PPP loans $ 218,766 $ 192,160 $ 231,834 $ 234,049 $ - Total tangible assets excl PPP loans $ 3,493,977 $ 3,403,532 $ 2,672,218 $ 2,636,648 $ 2,699,733 Tangible common equity to tangible assets excl PPP loans 9.17% 9.36% 11.99% 11.99% 11.57% Pre-provision net revenue (PPNR) reconciliation Net interest income - GAAP $ 23,345 $ 22,644 $ 21,718 $ 21,631 $ 20,980 Taxable equivalent adjustment 365 345 345 354 223 Noninterest income 3,562 3,016 2,504 2,343 2,422 Noninterest expense (15,149) (13,164) (13,713) (12,904) (12,877) Pre-provision net revenue 12,123 $ 12,841 $ 10,854 $ 11,424 $ 10,748 $ 2020 2021 31

atlanticcapitalbank.com Non-GAAP Financial Measures (in thousands, except share and per share data) 2021 First Quarter Fourth Quarter Third Quarter Second Quarter First Quarter Allowance for credit losses to loans held for investment reconciliation Total loans held for investment $ 2,300,814 $ 2,249,036 $ 2,188,035 $ 2,184,694 $ 1,932,909 PPP Loans (218,766) (192,160) (231,834) (234,049) - Total loans held for investment excluding PPP $ 2,082,048 $ 2,056,876 $ 1,956,201 $ 1,950,645 $ 1,932,909 Allowance for credit losses to loans held for investment 1.31% 1.55% 1.59% 1.61% 1.43% Allowance for credit losses to loans held for investment excluding PPP loans 1.45% 1.70% 1.78% 1.80% 1.43% Allowance for loan losses to loans held for investment reconciliation Total loans held for investment $ 2,300,814 $ 2,249,036 $ 2,188,035 $ 2,184,694 $ 1,932,909 PPP Loans (218,766) (192,160) (231,834) (234,049) - Total loans held for investment excluding PPP $ 2,082,048 $ 2,056,876 $ 1,956,201 $ 1,950,645 $ 1,932,909 Allowance for loan losses to loans held for investment 1.20% 1.41% 1.46% 1.45% 1.29% Allowance for loan losses to loans held for investment excluding PPP loans 1.32% 1.55% 1.63% 1.62% 1.29% Net interest margin adjusted for excess cash Total interest-earning assets $ 3,424,717 $ 3,147,728 $ 2,795,994 $ 2,741,528 $ 2,498,006 Excess cash (404,959) (285,693) - - - Adjusted total interest earning assets 3,019,758 2,862,035 2,795,994 2,741,528 2,498,006 Net interest income - taxable equivalent $ 23,710 $ 22,989 $ 22,063 $ 21,985 $ 21,203 Excess net interest income (100) (72) - - - Adjusted net interest income - taxable equivalent 23,610 22,917 22,063 21,985 21,203 Net interest margin adjust for excess cash 3.17% 3.18% 3.14% 3.23% 3.41% 2020 (in thousands) 2020 2019 2018 2017 2016 Net interest income reconciliation Net interest income - GAAP $ 86,973 $ 80,864 $ 76,247 $ 62,832 $ 53,719 Taxable equivalent adjustment 1,478 459 395 906 484 Net interest income - taxable equivalent $ 88,451 $ 81,323 $ 76,642 $ 63,738 $ 54,203 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 3.11% 3.52% 3.48% 3.03% 2.74% Impact of taxable equivalent adjustment 0.05% 0.06% 0.02% 0.04% 0.02% Net interest margin - taxable equivalent 3.16% 3.58% 3.50% 3.07% 2.76% For the Years Ended December 31, 32

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