ex992

Exhibit 99.2

CROSSFIRST BANKSHARES, INC. NASDAQ: CFB 4th Quarter

and Full Year 2022 Earnings Presentation January 23, 2023

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 Annual Report on Form 10-K 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, the impacts of the acquisition of Central,* 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 "positioned," "optimistic," "potential,"

"believe," "expect," "will make," "will," "anticipate," "growth," "intend,"

"plan," "future," "goal," "target," "uncertainty,“ “strategy,”

“opportunities,” “feel,” “expectations,”and "assuming" or

the negative version of those words or other comparable words or ph

rases 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: risks related to general

business and economic conditions and any regulatory responses

to such conditions; interest rate fluctuations, our ability to effectively

execute our growth strategy and manage our growth, including identifying

and consummating suitable mergers and acquisitions; the geographic

concentration of our markets; fluctuation of the fair value of our investment

securities due to factors outside our control; our ability to

successfully manage our credit risk and the sufficiency of our allowance;

regulatory restrictions on our ability to grow due to our concentratio

in commercial real estate lending; our ability to attract, hire

and retain key personnel; our ability to raise or maintain sufficient capital;

competition from banks, credit unions and other financial services

providers; the effectiveness of our risk management framework

in mitigating risks and losses; our ability to maintain effective

internal control over financial reporting; our ability to keep pace

with technological changes; system failures and interruptions, cyber-attacks

and security breaches; employee error, fraudulent activity by employees

or clients and inaccurate or incomplete information about our

clients and counterparties; our ability to maintain our reputation;

costs and effects of litigation, investigations or similar matters;

risk exposure from transactions with financial counterparties;

risks relating to the ongoing COVID-19 pandemic; compliance

with governmental and regulatory requirements; and changes in the

laws, rules, regulations, interpretations or policies relating to financial

institutions, accounting, tax, trade, monetary and fiscal matters.

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. 2

ABOUT NON-GAAP FINANCIAL MEASURES CROSSFIRST

BANKSHARES, INC. In addition to disclosing financial measures

determined in accordance with U.S. generally accepted accounting

principles (GAAP), we disclose non-GAAP financial measures,

including “adjusted net income”, “adjusted diluted earnings per

share”, “pre-tax pre-provision profit”, “tangible common stockholders’

equity”, “tangible book value per share”, “adjusted return on average

assets (ROAA)”, “adjusted return on common equity (ROE)” and “adjusted

efficiency ratio – fully tax equivalent (FTE).” We consider

the use of select non-GAAP financial measures and ratios to

be useful for financial and operational decision making and useful in

evaluating period-to-period comparisons. We believe that these

non-GAAP financial measures provide meaningful supplemental

information regarding our performance by excluding certain

expenditures or gains that we believe are not indicative of our primary

business operating results. We believe that management and

investors benefit from referring to these non-GAAP financial measures

in assessing our performance and when planning, forecasting, analyzing

and comparing past, present and future periods. These non-GAAP

financial measures should not be considered a substitute for financial

information presented in accordance with GAAP and should

not be relied on alone as measures of our performance.

The non-GAAP financial measures we present may differ from non-GAAP

financial measures

used by our peers or other companies. We compensate for these

limitations by providing the equivalent GAAP measures wheneve

we present the non-GAAP financial measures and by including a reconciliation

of the impact of the components adjusted for in the non-GAAP financial

measure so that both measures and the individual components

may be considered when analyzing

our performance. A reconciliation of non-GAAP financial measures to

the comparable GAAP financial measures is provided at the end

of this presentation. 3

EXECUTING STRATEGIC INITIATIVES CROSSFIRST

BANKSHARES, INC. Net Income $19.6 $28.5 $12.6 $69.4 $61.6

Operating Revenue(1) $116.5 $150.2 $172.0 $182.4 $21.8 $6.1

$8.7 $11.7 $13.7 $17.3 $110.4 $141.5 $160.3 $168.7 $193.5

Net Interest Income Non-Interest Income Adjusted Net Income(2)

& PTPP Profit(2) $19.9 $30.7 $27.4 $62.5 $20.0 $72.0 $73.0 $83.0 $68.6

$89.1 Adjusted Net Income Pretax, Pre-Provision Profit Non-performing

Assets / Total Assets 0.43% 0.97% 1.39% 0.58% 2.00% Note:

Dollar amounts are in millions, other than per share amounts Defined

as net interest income plus non-interest income Represents a

non-GAAP financial measure, see non-GAAP reconciliation slides

at the end of this presentation for more details 4

FULL YEAR 2022 HIGHLIGHTS CROSSFIRST BANKSHARES, INC.

Financial Performance Net Income $61.6 Million Adjusted(1)

Net Income $68.6 Million Diluted EPS $1.23 Adjusted(1) Diluted

EPS $1.37 ROE 9.97% Adjusted(1) ROE 11.11% ROAA

1.07% Adjusted(1) ROAA 1.19% Profitability Net interest income

increased 15% compared to 2021 due to the higher rate

environment, coupled with strong organic loan growth Adjusted ROE

of 11.11% is highest since our IPO in 2019 Fully tax equivalent

NIM increased 33bps to 3.50% for full year 2022 compared

to full year 2021(2)(3) Balance Sheet Completed acquisition of

Central adding $389 million of loans and $570 million of deposits

Loan portfolio increased $1.1 billion, or 26% from year-end 2021, with

organic loan growth of 17% for the year Total deposits increased

$968 million, including $570 million from the Central acquisition. DDA

as a percentage of total deposits was 25% at December 31, 2022 Credit Quality

Credit quality improved meaningfully with the non-performing assets

ratio at 0.20% at year end and full year net charge offs of

just 0.08% Represents a non-GAAP financial measure, see non-GAAP

reconciliation slides at the end of this presentation for more

details For all periods presented, investment yield accrual

calculation changed to 30/360 from actual/actual and excludes unrealized

gains and losses in the investment portfolio and earning assets The

incremental Federal income tax rate used in calculating tax exempt

income on a tax equivalent basis is 21.0% 5

OUR ROAD TO SUCCESS CROSSFIRST

BANKSHARES, INC. ONE TEAM Elevating our Strong Corporate

Culture by Living our CrossFirst Values Attracting and Retaining

High Performing Talent Invest in well-being of our Employees

Total Assets $6.6 billion ONE BANK Targeting Businesses and

Professionals Branch-Light – Technology Focused Delivering

Extraordinary Service and Customer Experience Enhancing Products

and Services Gross Loans $5.4 billion SHARED VISION Performance

& Profitability Seizing Growth Opportunities Strong Credit Quality

Managing Enterprise Risk Contributing to our Communities Total

Deposits $5.7 billion Note: Data as of December 31, 2022 6

OUR GROWTH CROSSFIRST BANKSHARES, INC. Total Assets

Compound Annual Growth Rates Since 2012 Total Assets 27.9%

$565 $847 $1,220 $1,574 $2,133 $2,961 $4,107 $4,931 $5,659 $5,621

$6,601 2012 Expanded into Wichita and Oklahoma City

markets 2013 Expanded into Tulsa market through acquisition

of 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 Expanded

into Phoenix market 2022 Expanded into Colorado and New Mexico

markets through acquisition of Central (~$666mm in Total

Assets) Note: Dollars in chart are in millions. 7

DRIVEN BY OUR EXTRAORDINARY CULTURE CROSSFIRST

BANKSHARES, INC. FOCUSING ON OUR CORE VALUES

At CrossFirst Bank, extraordinary service is the unifying purpose

at the very heart of our organization. To deliver on our purpose,

each of our employees operates under four values that define our

approach to banking: character, competence, commitment, and connection.

These are not just words at CrossFirst. They are core values

that guide our actions, decisions, and vision. They define who we

are. CHARACTER Who You Are COMPETENCE What

You Can Do COMMITMENT What You Want

To Do CONNECTION What Others See In You INVESTING

IN OUR PEOPLE & CLIENTS We prioritize and invest

in creating opportunities to help employees grow and build their

careers using a variety of training and development programs. These

include online, classroom, and on-the-job learning formats. Our

CrossFirst Training programs include: A culture and leadership-driven

onboarding program for new hires A development program designed

for emerging leaders that explores core leadership concepts and

foundational concepts of the banking industry As a GALLUP®

Strengths-Based organization, our very first commitment to every

new employee is that we will value them and provide access

to their unique CliftonStrengths®. POSITIONING FOR SUCCESS

We strive to build an equitable and inclusive environment

with diverse teams who support our core values and strategic

initiatives. We strive to hire and retain top-tier talent to drive

top-tier growth and extraordinary service. 22% of 2022 new hires were

ethnically diverse 61% of workforce is female, following new hires 68%

GALLUP® Q12 Survey engaged employees; with more than

89% of employees responding 8

FOOTPRINT AND OPERATING STRUCTURE CROSSFIRST

BANKSHARES, INC. METRO MARKETS Kansas City Dallas Fort

-Worth Phoenix Denver COMMUNITY MARKETS Wichita

Oklahoma City Tulsa Colorado Springs Clayton INDUSTRY

VERTICALS Private & Relationship Banking Enterprise

Value Financial Institutions Restaurant Franchise Group

Commercial Real Estate Energy Mortgage Small Business (SBA)

FOURTH QUARTER 2022 HIGHLIGHTS CROSSFIRST

BANKSHARES, INC. Financial Performance Net Income $11.9

Million Adjusted(1) Net Income $17.9 Million Diluted EPS $0.24

Adjusted(1) Diluted EPS $0.36 ROE 8.04% Adjusted(1) ROE 12.03%

ROA 0.77% Adjusted(1) ROA 1.15% Profitability Net interest

income increased 9% from Q3 2022 and 24% from Q4 2021 due to

the higher rate environment, coupled with strong organic loan growth

Fully tax equivalent NIM increased 5bps to 3.61% during Q4 2022

and has expanded 31bps from Q4 2021(2)(3) Balance Sheet

Completed acquisition of Central adding $389 million of loans and

$570 million of deposits Loan portfolio increased 26% annualized,

excluding $389 million from the acquisition of Central Total

deposits increased $664 million, including $570 million from

the Central acquisition. DDA as a percentage of total deposits was

25% at December 31, 2022 Credit Quality Provisioned $4.4

million on acquired Central loans under the CECL model NCOs

/ average loans of (0.02%) annualized for the quarter compared

to 0.07% for Q4 2021 NPAs / assets decreased 11bps

during the quarter to 0.20% and have declined 38bps from year-end

2021 Represents a non-GAAP financial measure, see non-GAAP reconciliation

slides at the end of this presentation for more details For all

periods presented, investment yield accrual calculation changed

to 30/360 from actual/actual and excludes unrealized gains and losses

in the investment portfolio and earning assets The incremental

Federal income tax rate used in calculating tax exempt income on a tax

equivalent basis is 21.0% 10

NET INTEREST MARGIN CROSSFIRST BANKSHARES, INC. Yield

on Loans & Cost of Deposits 4.17% 0.33% 4.00% 0.31% 4.28%

0.42% 5.08% 1.20% 5.93% 2.03% Yield on Loans Cost

of Total Deposits Net Interest Margin – Fully Tax Equivalent

(FTE)(1)(2) 3.30% 3.29% 3.52% 3.56% 3.61% Fully tax-equivalent

net interest margin increased 5bps from Q3 2022, as increases

in earning asset yields outpaced cost of funds Loan yields increased

85bps in the quarter due to repricing of existing loans and organic growth

Cost of deposits increased 83bps from Q3 2022 due to market rate

increases Loan to deposit ratio increased to 95% from 94% in Q3 2022

Current funding structure allows for significant additional capacity

for borrowing or wholesale funding if necessary For all quarters

presented, investment yield accrual calculation changed to 30/360 from

actual/actual and excludes unrealized gains and losses in the investment

portfolio and earning assets The incremental Federal income tax rate

used in calculating tax exempt income on a tax equivalent basis

is 21.0% 11

ASSET QUALITY PERFORMANCE CROSSFIRST BANKSHARES,

INC. Classified Loans / Capital + ACL + RUC(1) $78.7 $73.3

$81.5 $72.1 $67.7 10.8% 10.7% 12.0% 11.2% 10.0% Classified

Loans Classified / Capital + ACL +RUC Classified loans decreased

6% and included the addition of $5.7 million from Central during Q4 2022

Without the impact of Central, classified loans decreased

19.2% in Q4 2022 Non-performing Assets / Total Assets 0.58%

0.64% 0.54% 0.31% 0.20% NPAs decreased due to continued

improvements and successful workouts with borrowers 9% of the non

-performing asset balance in Q4 2022 relates to energy credits Note:

Dollar amounts are in millions. Beginning in 2022, includes the accrual

for off-balance sheet credit risk from unfunded commitments (“RUC”)

that resulted from CECL adoption on January 1, 2022 12

ASSET QUALITY PERFORMANCE CROSSFIRST BANKSHARES,

INC. Net (Recoveries) Charge-offs / Average Loans(1)

0.07% 0.10% 0.10% 0.16% -0.02% Q4 2022 included $0.3 million

of net recoveries Full year 2022 net charge-offs to average

loans was 0.08% compared to 0.30% for 2021 Allowance

for Credit Losses / Total Loans 1.37% 1.38% 1.35% 1.34% 1.31%

$58.4 $55.2 $55.8 $55.9 $61.8 ACL RUC ACL + RUC/ Total Loans

ACL + RUC / Total Loans decreased slightly to 1.31% at end

of Q4 2022 primarily due to improvements in qualitative adjustments

for improved credit indicators Allowance for credit losses to

non-accruing loans at the end of Q4 2022 was 548% Note: Dollar

amounts are in millions Ratio is annualized for interim periods.

SUPPLEMENTAL INFORMATION CROSSFIRST BANKSHARES,

INC. 14

STOCK REPURCHASE ACTIVITY CROSSFIRST BANKSHARES,

INC. 50,450 49,728 49,536 48,788 48,448 566 1,058 238 794 358

# of Shares Repurchased # Shares Outstanding Repurchased 4.9%

of outstanding shares in 2022 and 0.7% of outstanding shares

in Q4 2022 Drives improvement in ROE and EPS Little tangible

book value dilution and a short earnback period Note: shares

in thousands. 15

CAPITAL RATIOS CROSSFIRST BANKSHARES, INC.

12.5% 12.5% 13.6% 11.9% 11.9% 12.9% 11.5% 11.5%

12.6% 11.0% 11.1% 12.1% 9.5% 9.5% 10.5% Common Equity

Tier 1 Tier 1 Risk Based Total Risk-Based Capital

Capital deployed during Q4 2022 with the closing of the

Central acquisition on November 22, 2022 and through significant

organic loan growth Maintaining strong capital levels to support

future growth Remain well capitalized as we return capital

to shareholders through share repurchases 16

LOAN PORTFOLIO CROSSFIRST BANKSHARES, INC. CrossFirst

Loans Excluding Acquisition Day 1 Loans 12/31/2022 C&I ,

41% Res RE, 9% OO CRE, 7% NOO CRE, 23% Multifamily ,

4% Consumer & Other, 1% C&D, 15% $5.0bn Central Day 1 Loans

Res RE, 4% OO CRE, 23% NOO CRE, 29% Consumer & Other,

9% C&D, 13% C&I , 22% $389.1mm Consolidated Loans 12/31/2022

Res RE, 9% OO CRE, 8% NOO CRE, 24% Multifamily , 3%

Consumer & Other, 2% C&D, 15% C&I , 39% $5.4bn 17

DIVERSE LOAN PORTFOLIO CROSSFIRST BANKSHARES, INC.

CRE Loan Portfolio by Segment(1) ($2.1bn) Office 15% Industrial

13% 1-4 Family Res Construction 7% Hotel 9% Other 28%

Multi-Family 12% Retail 16% C&I Loan Breakdown (1) by Type

($2.2bn) Financial Management

5% Aircraft & Transportation 7% Merchant Wholesalers 3%

Other Industries 43% Manufacturing 11% Real Estate Activity

5% Business Loans to Individuals 6% Health Care 5%

Engineering & Contracting 10% Restaurants 5% Note: Data as of December

31, 2022. (1) Portfolio breakdown by type includes loans originated by

CrossFirst Bank legacy locations and excludes loans originated

by the newly acquired Central locations 18

COMBINED ALLOWANCE FOR CREDIT LOSSES CROSSFIRST

BANKSHARES, INC. ACL and Reserve for Unfunded Commitments

$62.6 $4.4 $0.3 $3.2 $70.5 ALC + RUC*Reserve ACL and

Reserve for Unfunded Commitments $58.4 $3.4 $61.8 $4.4 ($3.8) ($5.4)

$13.5 $70.5 ALC + RUC*Reserve

Note: As of end of period; dollars in millions. * Includes the accrual

for off-balance sheet credit risk from unfunded commitments (“RUC”)

that resulted from CECL adoption on January 1, 2022. 19

EXPENSE MANAGEMENT CROSSFIRST BANKSHARES, INC.

$26.7 $27.7 $9.2 $28.5 $36.4 $5.9 $5.2 $7.1 $5.4 $8.3 $1.9 $2.1 $2.4

$2.1 $3.3 $2.4 $2.5 $2.6 $2.7 $2.8 $16.5 $17.9 $17.1 $18.3 $22.0

Salaries & Benefits Occupancy Data Processing, Software & Comm.

Other Investments in talent and technology continue to account for

the increase in expenses year over year, driven by impacts from

the Central acquisition Expenses in Q4 2022 included $3.6 million

of acquisition-related items, compared to $80 thousand in Q3 2022

Salaries and benefits were higher due to the Central acquisition, coupled

with increased hiring in new markets and business lines and increased

performance-based incentive compensation Note: Dollars are

in millions and amounts shown are as of the end of the period unless

otherwise specified. 20

DEPOSIT COMPOSITION CROSSFIRST BANKSHARES, INC. CrossFirst

Deposits Excluding Acquisition Day 1 Deposits 12/31/2022 NOW

& Other, 3% MMDA & Sav., 56% Retail Time, 12% Jumbo

Time, 6% DDA, 23% $5.1bn Central Day 1 Deposits NOW

& Other, 3% MMDA & Sav., 51% Retail Time, 2%

Jumbo Time, 1% DDA, 43% $570mm Consolidated Deposits 12/31/2022

NOW & Other, 3% MMDA & Sav., 56% Retail Time,

11% Jumbo Time, 5% DDA, 25% 21

IMPROVING CORE DEPOSIT BASE CROSSFIRST BANKSHARES,

INC. Total Deposits and % DDA $4,684 $4,622 $4,744

$4,988 $5,651 $3,521 $3,512 $3,581 $3,874 $4,251 $1,163 $1,110

$1,163 $1,114 $1,400 DDA Interest-bearing Deposits

Cost of Deposits 0.33% 0.31% 0.42% 1.20% 2.03% Total demand

deposits increased 26% since Q3 2022, including $225 million

as part of the Central acquisition Cost of deposits increased

83bps this quarter, due to market rate increases Non-interest-bearing

deposits were 25% of total deposits this quarter Note: Dollars are

in millions and amounts shown are as of the end of the period. 22

SECURITIES PORTFOLIO CROSSFIRST BANKSHARES, INC.

Investment Portfolio Breakout as of December 31, 2022 Municipal

- Tax-Exempt, 71.0% CMO (Fixed), 1.3% Other, 3.1%

MBS (Fixed), 23.7% Municipal - Taxable, 0.9% Total: ~$687

million Securities Yield – Fully Tax Equivalent(2) 3.02%

3.00% 3.07% 3.07% 3.19% 2.54% 2.61% 2.57% 1.84% 1.14%

Securities Yield – Cost of Funds Spread Securities Yield At the

end of Q4 2022, the portfolio’s duration was approximately

5.2 years The fully taxable equivalent yield for Q4 2022 increased

12bps to 3.19% The securities portfolio has net unrealized losses of approximately

$83 million as of December 31, 2022 During Q4 2022, $30 million

of securities were purchased at an average tax-equivalent yield of

5.11% and there were $5 million in MBS paydowns Based on

approximate fair value. A tax rate of 21.0% is used to calculate the

fully tax equivalent yield 23

NON-GAAP RECONCILIATIONS CROSSFIRST BANKSHARES,

INC. A & Twelve Months Ended 12/51/2021 12/31/2020 12/31/2019

(Dollars in thousands, except per shore data) Adjusted net Income:

Net income S 61.599 s 69.415 s 12601 s 28.475 s 19.590 Add: Acquisition

costs 5.890 - * - * Add: Acquisition – Day l CECL provision

4.400 * * * * Add: Employee separation 1.065 * * * * Add: Unrealized

loss on equity security - 6200 - - - Add: Accelerated employee

benefits - 719 * - * Add: Goodwill impairment111 - * 7597 -

* Add: Fixed asset impairment - * * 424 17 Less: State tax credit1"

- * * 0-361) (3129) Aid: Restructuring charges - - - - 4.755 Less:

BOLI settlement benefits11 - (1.841) - - * Less: Tax effect2

(2555) H - YOQ) (1,425) Adjusted net Income Diluted weighted average

common shares outstanding 37,492,567 f1 Diluted earnings per

share Adjusted diluted earnings per share Quarter Ended 9/30/2022

6/30/2022 3/31/2022 (Dollars in thousands,

except per shore data) Adjusted net Income: Net income

S 11946 s T7.280 s 15.545 s 16.828 s 20.801 Add: Acquisition costs

5.570 81 259 * * Add: Acquisition – Day l CECL provision 4.400

* * * * Add: Employee separation - - 1.065 - * Less: Tax

effect2 (2045) (17) (275) - - Adjusted net Income Diluted weighted

average common shares outstanding Diluted earnings per

share Adjusted diluted earnings per share o No tax effect Represents

the tax impact of the adjustments at a tax rate of 21.0%, plus permanent

tax expense associated with merger related transactions and permanent

tax benefit associated with stock-based grants 24

NON-GAAP RECONCILIATIONS CROSSFIRST BANKSHARES,

INC. > o Twelve Months Ended 12/51/2022 12/31/2021 12/31/2020

12/31/2019 12/31/2018 (Dollars in thousands) Pre-Tax

Pre-Provision Profit: Net income before taxes Acid: Provision for

credit losses $ 77572 11501 $ 86,969 (4,000) $ 15,314 56,700 $

32,611 29,900 $ 17,196 13,500 Pre-Tax Pre-Provision Profit

Quarter Ended Twelve Months Ended 3/31/2022 (Dollars in

thousands) Adjusted return on average assets: Net income $ 11,946

$ 17,280 $ 15545 $ 16,828 $ 20,801 $ 61,599

$ 69,413 ^ Adjusted net income 17,871 17544 16574 16,828 20,801

68,617 72,979 c Average assets $ 6,159,783 $ 5,764,347

$ 5545,657 $ 5,563,738 $ 5,490,482 $ 5,760,031 $ 5591,471

Return on average assets Adjusted return on average assets Quarter

Ended Twelve Months Ended 3/31/2022 (Dollars in thousands) Adjusted

return on common equity: Net income $ 11,946 $ 17,280

$ 15545 $ 16,828 $ 20,801 $ 61,599 $ 69,413 Adjusted net income

17,871 17544 16574 16,828 20,801 68,617 72,979 Average

common equity $ 589,587 $ 613,206 $ 614,541 $ 653,747 $ 656,415 $

617,582 $ 656,415 Return on average common equity CO b > Adjusted

return on common equity 25

NON-GAAP RECONCILIATIONS CROSSFIRST BANKSHARES,

INC. Quarter Ended 9/30/2022 6/30/2022 3/31/2022 (Dollars in

thousands except per share data) Tangible common stockholders'

equity: Total stockholders' equity $ 608,599 $ 580547 $ 608,016

$ 623,199 $ 667,573 Less: goodwill and other intangible assets 29,081

71 91 no 130 Tangible common stockholders' equity Tangible

book value per share: Tangible common stockholders'

equity $ 579,518 $ 580,476 $ 607,925 $ 623,089 $ 667,443 Shares

outstanding at end of period 48,448215 48,787,696 49535,949

49,728253 50,450,045 Book value per share Tangible

book value per share Quarter Ended Twelve Months Ended

6/30/2022 3/31/2022 (Dollars in thousands) Adjusted Efficiency

Ratio - Fully Tax Equivalent (FTE)rt: Non-interest expense $ 36,423

$ 28,451 $ 29,203 $ 27,666 $ 26,715 $ 121,742 $ 99582 Less: Acquisition

costs (3.570) (81) (239) - - (3,890) - Less: Core deposit intangible

amortization (291) - - - - (291) - Less: Employee separation - - (1.063)

- - 0.063) - Less: Accelerated employee benefits - - - - - - (719)

Adjusted Non-interest expense (numerator) $ 32,562 $ 28570 $ 27,901

$ 27,666 $ 26,715 $ 116,498 $ 98,663 Net interest income

54,015 49,695 46,709 43,115 43,445 193534 168,691 Tax

equivalent interest income 11 818 820 808 775 762 3,221 2,948

Non-interest income 4,359 3,780 4201 4,942 4,796 17,281

13,660 Add: Unrealized loss on equity security - - - - - - 6,200 Less:

BOLI settlement benefits - - - - - - 0.841) Total tax-equivalent

income (denominator) Efficiency Ratio Adjusted Efficiency Ratio

- Fully Tax Equivalent (FTE)1’1 55.01 % 53.95 % 56.66

% 54.43 % 5202 % Tax exempt income (tax-free

municipal securities) is calculated on a tax equivalent basis. The incremental

tax rate used is 21.0%. 26