Exhibit 99.2

CROSSFIRST BANKSHARES, INC. NASDAQ: CFB 3rd Quarter2022 Earnings Presentation October 18, 2022

Legal disclaimer CROSSFIRST BANKSHARES, INC. FORWARD-LOOKING STATEMENTS. The financial resultsin this presentation reflect preliminary, unaudited results, whichare not final until the Company’s Quarterly Report on Form 10-Q is filed. This presentation and oral statements made during thismeeting contain forward-looking statements. These forward-looking statements reflect our current views with respect to, amongother things, future events and our financial performance.These forward-looking statements include, but are not limited to, statementsregarding our business plans, the acquisition of Central,* expansiontargets and opportunities, and future financial performance.These statements are often, but not always, made through the use of wordsor phrases such as "positioning," "would," "could," "optimistic,""potential," "believe," "expect," "will make," "will," "anticipate,""looking forward," "growth," "intend," "plan," "position," "future,""goal," "target," "focus," "uncertainty,“ “strategy,” and"assuming" or the negative version of those words or other comparablewords or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are basedon 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 ourcontrol. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performanceand are subject to risks, assumptions, estimates and uncertainties that aredifficult to predict. Although we believe that the expectations reflectedin these forward-looking statements are reasonable as of the datemade, actual results may prove to be materially different fromthe results expressed or implied by the forward-looking statements.There are or will be

important factors that could cause our actual results to differ materiallyfrom those indicated in these forward-looking statements,including, but not limited to, the following: risks relating to the ongoingCOVID-19 pandemic; risks related to general business and economicconditions and any regulatory responses to such conditions; ourability to effectively execute our growth strategy and manageour growth, including identifying and consummating suitablemergers and acquisitions; the geographic concentration of our markets;fluctuation of the fair value of our investment securities due tofactors outside our control; our ability to successfully manage ourcredit risk and the sufficiency of our allowance; regulatory restrictionson our ability to grow due to our concentration in commercialreal estate lending; our ability to attract, hire and retain key personnel;interest rate fluctuations; our ability to raise or maintain sufficient capital;competition from banks, credit unions and other financial servicesproviders; the effectiveness of our risk management frameworkin mitigating risks and losses; our ability to maintain effectiveinternal control over financial reporting; our ability to keep pacewith technological changes; system failures and interruptions,cyber-attacks and security breaches; employee error, fraudulentactivity by employees or clients and inaccurate or incompleteinformation about our clients and counterparties; our ability tomaintain our reputation; costs and effects of litigation, investigationsor similar matters; risk exposure from transactions with financialcounterparties; compliance with governmental and regulatory requirements;and changes in the laws, rules, regulations, interpretations or policiesrelating to financial institutions, accounting, tax, trade, monetaryand fiscal matters. These and other factors that could causeresults to differ materially from those described in the forward-looking

statements, as well as a discussion of the risks and uncertainties that mayaffect our business, can be found in our Annual Report onForm 10-K, our Quarterly Reports on Form 10-Q and in other filingswe make with the Securities and Exchange Commission. Theseforward-looking statements are made as of the date of this communication,and we disclaim any obligation to update any forward-looking statement or to publicly announce the results of any revisionsto any of the forward-looking statements included herein, exceptas required by law. MARKET AND INDUSTRY DATA.This presentation references certain market, industry and demographicdata, forecasts and other statistical information. We haveobtained this data, forecasts and information from various independent,third party industry sources and publications. Nothing in the data, forecastsor information used or derived from third party sources shouldbe construed as advice. Some data and other information are also basedon our good faith estimates, which are derived from ourreview of industry publications and surveys and independent sources.We believe that these sources and estimates are reliable but havenot independently verified them. Statements as to our marketposition are based on market data currently available to us. Althoughwe 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 arebased on assumptions that are subject to change. * CrossFirst announcedits plans to acquire Farmers & Stockmens Bank (“Central”)on June 13, 2022. The closing of the merger is subject to regulatoryapproval.2

About non-gaap financial measures CROSSFIRSTBANKSAHRES, INC. Certain of the financial measures and ratioswe present, including “tangible common stockholders’ equity”,“tangible book value per share”, “non-GAAP core operatingincome”, “non-GAAP core operating return on average assets”,“non-GAAP loan growth, excluding PPP loans” and “non-GAAP coreoperating efficiency ratio – fully tax equivalent (FTE)” metrics,are supplemental measures that are not required by, or arenot presented in accordance with, U.S. generally accepted accountingprinciples (GAAP). We refer to these financial measuresand ratios as “non-GAAP financial measures.” Weconsider the use of select non-GAAP financial measures and ratios to be usefulfor financial and operational decision making and useful in evaluatingperiod-to-period comparisons. We believe that these non-GAAPfinancial measures provide meaningful supplemental informationregarding our performance by excluding certain expenditures orassets that we believe are not indicative of our primary businessoperating results or by presenting certain metrics on a fully taxableequivalent basis. We believe that management and investors benefitfrom referring to these non-GAAP financial measures in assessingour performance and when planning, forecasting, analyzing and comparing past, present and future periods. These non-GAAP financial measuresshould not be considered a substitute for financial information presentedin accordance with GAAP and you should not rely on non-GAAPfinancial measures alone as measures of our performance.The non-GAAP financial measures we present may differ from non-GAAPfinancial measures used by our peers or other companies. Wecompensate for these limitations by providing the equivalent GAAPmeasures whenever we present the non-GAAP financial measuresand by including a

reconciliation of the impact of the components adjusted for in the non-GAAP financial measure so that both measures and the individualcomponents may be considered when analyzing our performance.CrossFirst does not provide a reconciliation of forward-looking non-GAAPfinancial measures to its comparable GAAP financialmeasures because it could not do so without unreasonable effort dueto the unavailability of the information needed to calculatereconciling items and the variability, complexity and limited visibilityof the adjusting items that would be excluded from the non-GAAPfinancial measures in future periods. When planning, forecastingand analyzing future periods, CrossFirst does so primarily on anon-GAAP basis without preparing a GAAP analysis as that wouldrequire estimates for various cash and non-cash reconciling items(including items such as expected credit losses, acquisition-and disposition-related expenses, and restructuring costs) that would bedifficult to predict with reasonable accuracy.For example, future expectations for credit losses depend on a variety offactors including general economic conditions that make estimationon a GAAP basis impractical. It is also difficult to anticipatethe need for or magnitude of presently unforeseen one-time restructuringexpenses. As a result, CrossFirst does not believe that a GAAPreconciliation to forward-looking non-GAAP financial measures wouldprovide meaningful supplemental information about CrossFirst’sforward-looking measures. 3

Our Road to Success CROSSFIRST BANKSAHRES, INC. ONE TEAMElevating our Strong Corporate Culture by Living ourCrossFirst Values Attracting and Retaining High Performing TalentInvest in well-being of our Employees Total Assets $5.8billion ONE BANK Targeting Businesses and ProfessionalsBranch-Light – Technology Focused Delivering ExtraordinaryService and Customer Experience Enhancing Products andServices Gross Loans $4.7 billion SHARED VISION Performance& Profitability Seizing Growth Opportunities Strong Credit QualityManaging Enterprise Risk Contributing to our Communities TotalDeposits $5.0 billion 4

Our Growth CROSSFIRST BANKSAHRES, INC. Total AssetsCompound Annual Growth Rates Since 2012 Total Assets 26.3%$565 $847 $1,120 $1,574 $2,133 $2,961 $4,107 $4,931 $5,659$5,621 $5,849 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021Q3 2022 2012 Expanded into Wichita and OklahomaCity markets 2013 Expanded into Tulsa market through acquisitionof Tulsa National Bancshares, Inc. (~$160mm in Total Assets)2016 Expanded into Dallas market 2019 CrossFirst Bankshares,Inc. Initial Public Offering at $14.50; Nasdaq listed: CFB 2021 Expandedinto Phoenix market Note: Dollars in chart are in millions. 5

DRIVEN BY OUR EXTRAORDINARY CULTURE CROSSFIRSTBANKSHARES, INC. FOCUSING ON OUR CORE VALUESAt CrossFirst Bank, extraordinary service is the unifying purposeat the very heart of our organization. To deliver on our purpose,each of our employees operate under four values that define ourapproach to banking: CHARACTER Who You AreCOMPETENCE What You Can Do COMMITMENT What YouWant To Do CONNECTION What Others See InYou INVESTING IN OUR PEOPLE & CLIENTS We prioritizeand invest in creating opportunities to help employees growand build their careers: A culture and leadership-driven onboardingprogram for new hires A development program designed for emergingleaders that explores core leadership concepts and foundational conceptsof the banking industry As a GALLUP® Strengths-Based organization, provide every employee access to their unique CliftonStrengths®.POSITIONING FOR SUCCESS We strive to build an equitableand inclusive environment with diverse teams. We strive to hireand retain diverse, top-tier talent: 2021 New Hires were 21% ethnicallydiverse Overall company is 59% female new hires GALLUP® Q12Survey 68% engaged employees; with more than 94% of employeesresponding, we received our highest scores ever for employee engagement6

EXPANDING OUR FOOTPRINT CROSSFIRST BANKSHARES,INC.AREAS OF FOCUS Continue to execute our organic growthstrategy in new and existing markets Focus new expansion in targetmarkets where we currently have client business Evaluate expansionstrategies in key target markets: De Novo Expansion: Hire experienced talent to expand in key growth markets Strategic Acquisition*:Provides operational scale and synergies Adds new lines of businessAdds fee income opportunities CURRENT AND POTENTIAL TARGETMARKETS Austin, Texas Houston, Texas San Antonio, TexasNashville, Tennessee Omaha, Nebraska Legend: Current CFBLocation Planned CFB Location* Target CFB Locations* Anticipated benefits as transaction closing is subject to regulatoryapproval. 7

THIRD Quarter 2022 Highlights CROSSFIRST BANKSAHRES, INC.FinancialPerformance Net Income $17.3 Diluted EPS $0.35 ROE 11.18%ROA 1.19% Net Income Net interest income increased 6%on strong loan growth and increased yield Non-interest expenses declined,partially offset by continued production hiring Fully tax equivalentNIM increased 4bps to 3.56% during Q3 2022 and has expanded33bps from Q3 2021(1) Balance Sheet Loan portfolio increased3% from Q2 2022; the portfolio increased 11% from Q3 2021 Totaldeposits increased 5% from the prior quarter and 12% from Q32021;DDA as a percentage of total deposits was 22% in Q3 2022Credit Quality Classified loans / total capital + combined ACL ratio(2)of 11% has declined from 17% at Q3 2021 NCOs / averageloans of 0.16% for the quarter and 0.11% on a trailing-twelve-monthbasis NPAs / assets decreased 23bps during the quarter to 0.31%and have declined 61bps from Q3 2021 (1) For all quarterspresented, investment yield accrual calculation changed to 30/360 fromactual/actual and excludes unrealized gains and losses in theinvestment portfolio and earning assets. (2) Includes the accrualfor off-balance sheet credit risk from unfunded commitments (“RUC”)that resulted from CECL adoption on January 1, 2022. 8

Net Interest Margin CROSSFIRST BANKSAHRES, INC. Yieldon Loans & Cost of Deposits 4.00% 0.38% 4.17% 0.33% 4.00%0.31% 4.28% 0.42% 5.08% 1.20% Q3 Q4 Q1 Q2 Q3 2021 20212022 2022 2022 Yield on Loans Cost of Total DepositsNet Interest Margin - Fully Tax Equivalent (FTE)* 2.30%3.00% 3.29% 5.20% 3.56% Q3 Q4 Q1 Q2 Q3 2021 2021 2022 20222022 Fully tax-equivalent net interest margin increased 4bps fromQ2 2022, primarily due to higher loan yields, loan growth, andaccrual improvements, offset by an increase in funding costsCost of deposits increased 78ps from Q2 2022 due to market rateincreases Loan to deposit ratio decreased to 94% from 95% in Q2 2022Current funding structure allows for significant additional capacity forborrowing or wholesale funding if necessary * For all quarters presented,investment yield accrual calculation changed to 30/360 from actual/actualand excludes unrealized gains and losses in the investment portfolioand earning assets 9

Net Interest Income Sensitivity CROSSFIRST BANKSAHRES, INC. NetInterest Income Impact From Rate Changes (1.93%) (0.92%) 0.20%0.95% 4.06% 1.93% 6.11% 2.92% 8.19% 3.92% -100 pbs +100bps +200 bps +300 bps +400 bps Rate Shock* Rate Ramp* Anticipatedasset sensitivity with rate increases driving potential expansionof net interest income Loans: Rate Reset and Cash Flow Profile60% 9% 9% 19% 3% 3-Jan 12-Apr 2-Jan 5-Feb >5 years MonthsMonths Years Years Roughly 69% of Company’searning assets reprice or mature over the next 12 months, with53% in month one Note: Data as of September 30, 2022 * Rate Shock analysis:measuresinstantaneous parallel shifts in market rates Rate Ramp analysis:rate changes occur gradually over 12 months time Balancesheet size and mix held constant from month end position and includes averageYTD loan fees (excluding PPP fees) 10

Asset Quality Performance CROSSFIRST BANKSHARES, INC. ClassifiedLoans / (Total Capital +ACL + RUC*) $124.1 $78.7 $73.3$81.5 $72.1 17.3% 10.8% 10.7% 12.0% 11.2% Q3 Q4 Q1 Q2Q3 2021 2021 2022 2022 2022 Classified loans decreased12% 10% of classifieds in Q3 2022 relate to energy, down from 15%in Q2 2022 Nonperforming Assets / Assets 0.92% 0.58% 0.64% 0.54%0.31% Q3 Q4 Q1 Q2 Q3 2021 2021 2022 2022 2022 NPAs decreaseddue to continued improvements and successful workouts with borrowers30% of the non-performing asset balance in Q3 2022 relatesto energy credits Note: Dollar amounts are in millions. * Includesthe accrual for off-balance sheet credit risk from unfunded commitments(“RUC”) that resulted from CECL adoption on January 1, 2022.11

Asset Quality Performance CROSSFIRST BANKSAHRES, INC.Net Charge-Offs / Average Loans(1) 0.13% 0.07% 0.10%0.10% 0.16% Q3 Q4 Q1 Q2 Q3 2021 2021 2022 2022 2022 Q3 2022included $1.9 million of net charge-offs which consisted of loansin both energy and commercial and industrial credits Allowancefor Credit Losses + RUC / Total Loans 1.51% 1.37% 1.38% 1.35%1.34% $64.2 $58.4 $55.2 $4.9 $55.8 $5.3 $55.9 $6.7 Q3 Q4 Q1Q2 Q3 2021 2021 2022 2022 2022 AcL RUC AcL + RUC / TotalLoans ACL + RUC / Total Loans decreased slightly to 1.34%at end of Q3 2022 primarily due to a change in portfolio mix Allowancefor credit losses to non-accruing loans at the end of Q3 2022 was 324%Note: Dollar amounts are in millions Ratio is annualized forinterim periods. 12

2022 Guidance CROSSFIRST BANKSHARES, INC. Business DriverAnnual Outlook Loans Expect 8-10% core loan growth DepositsExpect continued deposit growth to fund lending growth with a continuedfocus on improving the DDA mix Net Interest Margin (NIM)Expect NIM to be in a range of 3.45 to 3.55%, assuming aFed Funds rate of 4.50 to 4.75% at year-end Combined ACL / Loans Anticipatedto remain in the 1.30% to 1.45% range, based on current economic conditionsEffective Tax Rate Expect to remain in the 20-22% rangeNote: Guidanceexcludes any impact from the anticipated closing of the Central acquisition.13

CROSSFIRST BANKSAHRES, INC. Supplemental information 14

Stock Repurchase Activity CROSSFIRST BANKSAHRES, INC. 51,00350,450 49,728 4,953 48,788 0 566 1058 238 794 Q3 Q4 Q1 Q2Q3 2021 2021 2022 2022 2022 # of Shares Purchased # SharesOutstanding Repurchased 1.6% of outstanding shares in Q3 2022 Drivesimprovement in ROE and EPS Little tangible book value dilutionand a short earnback period Note: shares in thousands.15

capital Ratios CROSSFIRST BANKSAHRES, INC. Capital Ratios12.6% 12.6% 13.9% 12.5% 12.5% 13.6% 11.9% 11.9% 12.9%11.5% 11.5% 12.6% 11.0% 11.1% 12.1% Q3 Q4 Q1Q2 Q3 2021 2021 2022 2022 2022 Common Euqity Tear 1 Tier1 Risk Based Total Risk-Baed Capital Maintaining strongcapital levels to support future growth Remain well capitalized as wereturn capital to shareholders through share repurchasesExecution of our profitable growth strategy supports capital ratios Capitalratios have decreased due to share repurchase activity and loangrowth 16

Diverse loan portfolio CROSSFIRST BANKSAHRES, INC. LoanMix by Type ($4.7bn) Owner Occupied Real Estate 8% Energy4% CRE 43% Residential Real Estate 8% Other 1% C&I 36% Note:Gross loans, (net of unearned income) data as of September 30,2022. 17

Diverse loan portfolio CROSSFIRST BANKSAHRES, INC. CRELoan Portfolio by Segment ($2.0bn) Retail 15% Office 15% Industrial13% 1-4 Family Res Construction 8% Hotel 9% Other 25% Multi-Family 15% C&I Loan Breakdown by Type ($1.7bn) FinancialManagement 4% Aircraft & Transportation 6% Merchant Wholesalers3% Other Industries 49% Manufacturing 11% Business Loansto Individuals 6% Health Care 4% Engineering & Contracting 11%Restaurants 6% Note: Data as of September 30, 2022. 18

Combined Allowance for Credit Losses CROSSFIRST BANKSHARES,INC. ACL and Reserve for Unfunded Commitments $61.1 ($1.9)($0.2) $3.6 $62.6 Q2 QTD Individual Growth and Q3 2022Net Charge-Offs Analysis Qualitative Factors 2022 End #nd ALC+ RUC*Reserve Note: As of end of period; dollars in millions.* Includes the accrual for off-balance sheet credit risk from unfundedcommitments (“RUC”) that resulted from CECL adoption on January1, 2022. 19

expense management CROSSFIRST BANKSHARES, INC. $24.0$26.7 $27.7 $29.2 $28.5 $4.5 $5.9 $5.2 $7.1 $5.4 $1.7 $1.9 $2.1$2.4 $2.1 $2.4 $2.4 $2.5 $2.6 $2.7 $15.4 $16.5 $17.9 $17.1 $18.3 Q3Q4 Q1 Q2 Q3 2021 2021 2022 2022 2022 Salaries & Benefits OccupancyData Processing, Software & Comm. Other Investmentsin talent and technology continue to account for the increasein expenses year over year Other expense in Q2 2022 included $1.1million of employee separation costs Salaries and benefits werehigher due to the increased hiring in new markets and business lines andincreased incentive compensation due to performance Note: Dollarsare in millions and amounts shown are as of the end of theperiod unless otherwise specified. 20

Improving Core Funding Base CROSSFIRST BANKSAHRES, INC. TotalDeposits and % DDA $4,437 $4,684 $4,622 $4,744 $4,988$3,476 $3,521 $3,512 $3,581 $3,874 $961 $1,163 $1,110 $1,163 $1,114Q3 Q4 Q1 Q2 Q3 2021 2021 2022 2022 2022 DDA OtherDeposits Cost of Deposits 0.38% 0.33% 0.31% 0.42% 1.20%Total demand deposits increased 16% since Q3 2021 Costof deposits increased 78bps this quarter, due to market rateincreases Non-interest-bearing deposits were 22% of total depositsthis quarter Note: Dollars are in millions and amounts shown areas of the end of the period. 21

Securities portfolio CROSSFIRST BANKSHARES, INC. InvestmentPortfolio Breakout as of September 30, 2022 Municipal - Taxable,1.0% Municipal - Tax-Exempt, 73.5% CMO (Fixed), 1.8%Other, 0.8% MBS (Fixed), 22.9% Total: ~$657 millionAt the end of Q3 2022, the portfolio’s duration was approximately5.5 years The fully taxable equivalent yield for Q3 2022 remained consistentat 3.07% The securities portfolio has unrealized losses of approximately$108 million as of September 30, 2022 During Q3 2022, $8 millionof securities were purchased at an average tax-equivalentyield of 5.19% and there were $6 million in MBS paydowns SecuritiesYield – Fully Tax Equivalent (2) 3.04% 3.02% 3.00%3.07% 3.07% 2.58% 2.54% 2.61% 2.57% 1.84% Q3 Q4 Q1 Q2 Q32021 2021 2022 2022 2022Securities Yield- Cost of Funds Spread Based on approximate fair value. Atax rate of 21% is used to calculate the fully tax equivalent yield 22

Quarterly selected financials (unaudited) CROSSFIRST BANKSAHRES,INC. (Dollar; in thousands except perchare data: CrossFIrstBankshares, Inc. Quarterly Financials For the Three Months Ended9/30/22 6/30/22 3/31/22 12/31/21 9/30/21 Income Statement Data:Interest income Interest expense s 65,550 15.855 s 52840 6131s 47,760 4,645 s 49202 5757 s 475n 5510 Net interest income 49.69546.709 43,115 43,445 41,801 Provision for credit losses 33542.155 (625) (5.000) (10.000) Non-interest income 3780 42014,942 4,796 0105) Non-interest expense 28.451 29203 27666 26.71524.036 Net income before taxes 21690 19372 21016 26.52626.660 Income tax expense 4,410 4,027 4.188 5725 5660 Net income17280 15545 16,828 20.801 21.000 Non-GAAP core operatingincome'1 s 17344 s 16374 s 16,828 s 20.801 s 25898 BalanceSheet Data: Cash and cash equivalents s 309135 s 277,678 s 276.927s 482727 s 316,722 Securities 656.527 695647 722778 745.969 708.106) Gross loans (net of unearned income) 4,677,646 4,528254 43495684256215 4233,117 Allowance for credit losses1 55.864 55.81755251 58375 64152 Goodwill and intangibles 71 91 no 130 149Total assets 5.848.977 5708311 5518,121 5621,457 5401,151 Non-interestbearing deposits 1115.934 1.163.462 1,110284 1,163224960.999 Total deposits 4987515 4,744,420 4,621680 46835974.436.597 Borrowings and repurchase agreements 205349 296.606226.600 236.600 276.600 Trust preferred securities net offair value adjustments 1048 1035 1022 1.009 997 Stockholders Equity580.547 608.016 623.199 667573 652407 Tangible common stockholders'equity11s 580.476 s 607,924 s 623.089 s 667,443 s 652257 Share andPer Share Data: Basic earnings per com mon share s 035 s 031s 033 s 0.41 s 0.41 Diluted earnings per common share 035 031 0330.40 0.41 Book value per share 1190 1227 1253 1323 1279Tangible

book value per share s 1190 s 1227 s 1253 s 1523 s 1279 Basic weightedaverage common shares outstanding 49266.811 49.758263 5025129750893.493 50990.113 Diluted weighted average common sharesoutstanding 49,721,493 50203.725 50.910,490 51660723 51605.721Shares outstanding at end of period 48787696 _ 49.555949 49.728253 5045004551.002698 Represents a non-GAAP financial measure. See Non-GAAPReconciliation slides at the end of this presentation for additionaldetail. Implemented CECL on January 1, 2022, all prior quarterspresented represent the allowance for loan losses. 23

Quarterly selected financials (unaudited) CROSSFIRST BANKSAHRES,INC. 9/30/22 Selected-RaUQs; Return or average assets1: 1-19%Non-GAAP core operating return on average assetS1);: 119Return on average common equity 11.18 Yield on earningassets 462 Yield on earning assets - tax equivalent^ 4.62 Yieldon securities 266 Yield on securities - tax equivale nt’3 3.07Yield on bans 508 Cost of funds 125 Cos tof interest-bearingliabilities 159 Cost of interest-bearing deposits 156 Cost ofde posits 120 Cost of other borrowings 2.13 Net interest margin -tax equivalent3 3.56 Non-interest expense to average assets1.96 Efficiency ratio ’1 5520 Non-GAAR core operating efficiencyratio {FTE)ow 5229 Non-iinterest bearing de posits to total de posits2255 Loans to deposits 9579 % Credit Quality Ratios; Allowancefor credit losses to total loans 1.19 % Allowance for credit losses *RUC to total loartí51 154 Non performing assets to total assets 051Nonperforming bans to total loans 057Allowance for credit losses to nonperforming loans 523.89 Net charge-offs (recoveries) to average loans11 0.16 % Capital Patios: Totalstockholders' equity to total assets 9.92 % Common equitytier 1 capital ratio 11.04 Tier 1 risk-based capital ratio Ï105 Totalrisk-based capital ratio 1209 Tier 1 leverage ratio T1.45 %CrossFIrst Bankshares, Inc. Quarterly Financials For the ThreeMonths Ended 6/30/22 3/31/22 12/31/21 9/30/21 1.12 % 123 % 150 %154 % 120 123 150 1.90 10.15 10.44 1257 12.92 592 559 3653.56 3.98 364 3.72 3.64 266 259 2.49 246 507 300 302 304 428 4004.17 4.00 050 059 0.48 0.46 0.66 051 0.61 057 0.56 0.41 0.43 0.470.42 051 033 058 166 195 303 1.82 552 529 330 323 2.n 202 1931.76 5756 5757 5538 59.06 5508 5666 5452 50.45 2452 24.02 24.8421.66 9544 % 94.11 % 9087 % 95.41 % 125 % 127 % 157 %151 % 155 158 - - 054 064 058 0.92 0.66 0.79 0.74 115 186.9215960

18519 131.76 0.10 % 0.10 % 007 % 013 % 10.65 % 1129 % 11.88% 1208 % 1151 1188 12.46 12.61 1155 1190 12.48 12.631260 1292 1361 13.88 11.77 % 1161 % 11.84 % 1177% (1) Interim periods are annualized. (2) Represents anon-GAAP financial measure. See Non-GAAP Reconciliation slides atthe end of this presentation for additional detail. (3) Tax-exemptincome is calculated on a tax-equivalent basis. Tax-exempt incomeincludes municipal securities, which is exempt from federal taxation. Atax rate of 21% is used. (4) Efficiency ratio is non-interestexpense divided by the sum of net interest income and non-interestincome; non-GAAP core operating efficiency ratio (FTE) is adjustedfor non-core or non-recurring items (5) Includes the accrualfor off-balance sheet credit risk from unfunded commitments (“RUC”)that resulted from CECL adoption on January 1, 2022. 24

Non-gaap reconciliations CROSSFIRST BANKSAHRES, INC. Forthe Three Months Ended (Dollars in thousand!) 9/30/22 6/30/22 3/3*2212/31/21 9/30/21 Net income s 17.2» s 15.545 s «828 s 20»1s 210» Add Acquisition costs 81 239 less:Taxeffect"’17 M Acquisition costs. ne 1 o ( 1 a« 64 B9 Add Em Uo.tc separation1063 - - • LessiTaiefect"1 223 Em doyee separalion.nf* ol la« 840Add Lbirmiral loss on ojiitysocnity • • 62» Less: Taxefecl"11302 Lbirmirod losson mutysccLnty.netofla* 4898 Non GAAPcore operating income non-GAAP CoreQwiatna Return on A vana*A »9tt: s 17.3« s «.574 s «828 s 20»1 s 26898 Nel Incomes 17.2» s «545 s «828 s 20»1 s 210» Non GAAP coreoperat'ngincomeAvnagcassebs s 17.3« 5.764347 s «574 5.545657 s «828 6563739s 20»1 5.490482 s 26898 6406984 GAAP return on averageassets 119 % 112 9i 123 % 150 % 154 9b Non GAAP co reopnabng return onaacrageassets IS 9i 120 9i 123 % 150 9i 190 9» Non-GAAP core Qreiatina Ernenne» Ratio: Non Irenes! rapense(rumeraor) s 28.451 s 29203 s 278» s 26.7« s 24036 Nelireeiea income49.695 46709 4216 42445 41801 Taxcgjivalere interns! income1''820 808 775 762 748 Non Irenes! ficome a7» 4201 4342 4796<4*35» Add.AcgUsitian costs 81 239 Add: Em^ta yec separation• 1063 - - • Add. Jrrmliaid loss o n ajuty secuiily 62» Non GAAPopnabngre»nje (deromirntor) s 54376 s 53020 s 48832 s 49003s 47.6« GAAP DfidmcyRalo 5320 % 5736 % 57.57 % 5638% 5906 % Non GAAP core opnabng eiidency ratio (FTE) 5232% 5508 % 56.» % 5452 % »45 96 Represents the tax impact of theadjustments at a tax rate of 21.0%. Tax exempt income (tax-freemunicipal securities) is calculated on a tax equivalent basis. The incrementaltax rate used is 21.0%. 25

NON-GAAP RECONCILIATIONS CROSSFIRST BANKSHARES,INC. As of or for the Year Ended December 31, Nine MonthsEnded September 30, 2021 2020 2019 2018 2022 2021 Non-GAAPcore Operating income: Net income Add: Acquisition costs LessTax effect" s 69.413 s 12601 S 28.473 S 19.590 s49.655 320 67 s 48.612 Acquisition costs net of tax - - - - 255 - Add:Employee separation - - - - 1.063 - Less Tax effect" - - -- 223 - Employee separation, net of tax - - - - 840 - Add: Unrealizedloss on equity security 6200 - - - - 6200 Less Tax effect*11302 - - - - 1.302 Unrealized loss on equity security, net of tax 4.898- - - - 4.898 Add: restructuring charges - - - 4.735 - - Less Taxeffect1 - - - 1381 - - Restructuring charges net of tax - - -3352 - - Add: fixed asset impairments - - 424 171 - - Less Taxeffect5* - - 109 44 - - Fixed asset impairments net of tax - - 315 127- - Add: Goodwill impairments* - 7.397 - - - - Add: State taxcredit 3 - - (1261) (3329) - - Add: Accelerated employee benefits719 - - - - 719 Less Tax effect ~* 210 - - - - 210 Acceleratedemployee benefits net of tax 509 - - - - 509 Less BOU settlement benefits5*1.841 - - - - 1841 Non-GAAP core operating income l 72979 *'9993 5 27.A27 5 19.940 50.7-6 V 52178 Non-GAAP Core OperatingReturn on Average. Assets: Net income s 69.413 s 12601 S 28.473S 19.590 s 49.655 s 48.612 Non-GAAP core operating income 7297919998 27.427 19.940 50.74652178 Average assets s 5.591.471 s 5.358.479 S 4. ¿99.764S 3.494.655 s 5625.317 s 5.625.304 GAAP Return on averageassets 124 % 024 % 0.63 % 0.56 % 1.18 % 1.16 % Non-GAAP coreoperating return on average assets 121 % 0.37 % 0.61 % 0.57 %121 % 124 % Represents the tax impact of the adjustments aboveat a tax rate of 25.73% from 2018 through 2020 and at 21%for 2021 and 2022, plus a permanent tax benefit associated with stock-based grants. Represents

the tax impact of the adjustments above at a tax rate of 25.73% for fiscalyears 2018 and after. No tax effect associated with the 2017Tax Act adjustment or state tax credit or the goodwillimpairment. 26

NON-GAAP RECONCILIATIONS CROSSFIRST BANKSHARES,INC. As of or for the Year Ended Nine Months Ended December31,September 30, 2021 2020 —I 2019 2018 2022 — X 2021 Non-CAAPCore Operating Efficiency Ratio: Non-interest expense S 99382S 99,968 s 87,640 S 85,755 S 85,319 S 72,667 Less: Acceleratedemployee benefits 719 - - - - 719 Less: goodwill impairment - 7,397 -- - - Less: restructuring charges - - - 4,733 - - Non-CAAP non-interestexpense (numerator) s 98,663 s 92371 s 87,640 $ 81,022 s 85,319s 71,948 Net interest income 168,691 160,249 141,444 110,368139,519 125,246 Tax equivalent interest income1' 2,948 2,7322,522 3,099 2,403 2,186 Non-interest income 13,660 11,733 8,7076,083 12,922 8,864 Add: Acquisition costs - - - - 320 - Add:Employee separation - - - - 1,063 - Add: Unrealized loss on equitysecurity 6,200 - - - - 6,200 Add: fixed asset impairments - - 424 171- - Less: BOU settlement benefits21 1,841 - - - - 1,841 Non-CAAPOperating revenue (denominator) S 189,658 s 174,714 s 153,097 $119,721 s 156227 s 140,655 CAAP Efficiency Ratio 54.50 %58.13 % 5837 % 73.64 % 55.97 % 54.18 % Non-CAAP CoreOperating Efficiency Ratio (FTE) 52.02 % 52.98 % 5725 % 67.68% 54.61 % 51.15 % Tax exempt income (tax-freemunicipal securities) is calculated on a tax equivalent basis. The incrementaltax rate used is 21.0%. No tax effect associated with the 2017 TaxAct adjustment or state tax credit or the goodwill impairment. 27

Non-gaap reconciliations CROSSFIRST BANKSAHRES, INC. 9/30/22(Dollars in thousands, except per share data) Stockholders equityLess: Goodwill and other intangible assets s 580.547 71 TangibleStockholders Equity 580.476 Share outstanding at end of period 48.787.696Book value per share s 1190 Tangible book value per shae $ 1190 For the Three Months Ended 6/30/22 3/3V22 s 608.01691 s 623.199 It) s 607 925 $ 623.089 49.535.949 49.728253 s 2.27 s12.53 s 2.27 5 12.53 12/31/21 9/30/21 s 667.573 CO s 652.407149 s 667.443 s 652 2 58 50.450.045 51.002.698 s G23 s 12.79 s G23s 12.79 28