CAPITAL INVESTMENT

StoneCastle invests in community banks that have experienced management teams, stable earnings, sustainable markets and growth opportunities. If you are interested in a potential capital investment, the StoneCastle team is prepared to review your needs and goals.

THE INVESTMENT PROCESS2

Upon receipt of your indication of interest, StoneCastle will initiate the following investment process:

1. Pre-Screening: StoneCastle conducts a review of publicly available data to determine if proceeding to due diligence is warranted.

2. Due Diligence: StoneCastle performs due diligence including a meeting with management; and loan, security and deposit tape reviews.

3. Investment Committee: The investment committee reviews due diligence information and determines if investment is suitable.

4. Documentation and Funding: If approved, StoneCastle will execute a letter of intent with the bank; completion of definitive agreements then StoneCastle invests funds into the bank.

SUMMARY

OVERVIEW

StoneCastle Financial Corp. (‘StoneCastle’) is an investor in publicly traded and privately held community banks seeking capital for organic growth, acquisitions, share repurchases and other refinancing activities. StoneCastle was formed to address the specific needs of community banks and is seeking stable, reasonable returns. Our senior management team has invested over $5 billion directly in community banks. StoneCastle is listed on the NASDAQ Global Select Market under the symbol “BANX”.

AT-A-GLANCE1

ELIGIBLE BANKSBank holding companies, commerical banks and savings institutions; each typically with less than $10 billion of total assets; public and private entities

INVESTMENT PROCESS TIMEFRAME Typically 3-6 weeks; variable by institution and structure

INVESTMENT SIZE$3-$15 million, smaller or larger by exception

INSTRUMENTSSubordinated debt, bank stock loans, non-cumulative convertible preferred equity, non-cumulative preferred equity, and to a lesser extent, common equity

DIRECTCAPITAL INVESTMENT

WWW.STONECASTLE.COM WWW.STONECASTLE.COMStoneCastle | 212-354-6500 | 152 W. 57th Street, 35th Floor, New York, NY 10019

Endorsed by the American Bankers Association through its subsidiary, Corporation for American Banking3

MINIMUM INVESTMENT CANDIDATE CHARACTERISTICS4

NOTES AND DISCLOSURES

THIS DOCUMENT IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY SECURITIES.

1 At-a-Glance represents hypothetical data based upon SAM’s management team’s prior experience and certain information provided by SAM. Typical Terms will vary on a case-by-case basis.

2 The investment process is a brief description of steps that StoneCastle and its advisor, SAM, may take when considering and executing an investment in an institution. As no one institution is precisely the same, the process and requirements of any one prospective company may vary. The completion of any one or more stage or item in the process does not assure an institution of receiving a capital investment.

3 StoneCastle’s Capital Investment Opportunity is endorsed by the American Bankers Association’s (“ABA”) Corporation for American Banking, LLC on an exclusive basis. Endorsement provided by ABA’s wholly-owned subsidiary CAB L.L.C. Investment referral and marketing services are provided by CAB Marketing, LLC, a single member LLC subsidiary of ABA. No services or endorsements have been provided directly by the ABA.

4 Minimum Investment Candidate Characteristics are examples of potential screening guidelines and are subject to change at any time. There are a variety of factors which will be taken into account before an investment is made, some of which are in addition to the criteria mentioned. In addition, candidates that do not fit the profile perfectly may still be determined to be viable candidates for a variety of other reasons.

5 As of December 31, 2016. Assets quoted include Bulk Insurance Deposit Services (BIDS), a program where StoneCastle Cash Management acts as a consultant and introduces banks to third party administrators. Assets in BIDS are not included in the calculation of StoneCastle Cash Management’s regulatory assets under management in its Form ADV.

Past performance does not guarantee future results. These views are as of the date indicated and are subject to change. For more information regarding SAM, please see its Form ADV Parts 1 and 2A on file with the SEC. Registration with the SEC does not imply a particular level of skill or training.

Securities are offered through CV Brokerage. CV Brokerage, StoneCastle Financial & Premier Capital Partners are not affiliated.

FOR INSTITUTIONAL USE ONLY

The following are general baseline criteria. Each bank is unique and we may invest in institutions that do not meet some of the criteria listed below.

EARNINGS• ROAA MRQ > 0.50% • ROAA LTM > 0.50%

LIQUIDITY• Loans / Deposits < 100%• Time Deposits / Deposits < 40%

OTHER• Bank established at least 7 years• No major regulatory enforcement actions

CAPITALIZATION• Tangible Equity / Tangible Assets >5%

ASSET QUALITY• Adjusted Texas Ratio < 50% • CRE / Total Loans < 50%• C&LD / Total Loans < 15%• C&I / Total Loans < 40%• Ag. Prod. / Total Loans < 30%

ABOUT STONECASTLE

In 2003, StoneCastle Partners, LLC. (“StoneCastle”) was founded to bridge the gap between institutional investors and the $2 trillion community banking industry. Today, StoneCastle is one of America’s largest asset management firms dedicated to the U.S. banking sector and a recognized cash management leader for institutional investors.

With over $12 billion in assets5, StoneCastle and its subsidiaries—StoneCastle Cash Management and StoneCastle Asset Management offer capital, liquidity and funding solutions that address the needs of community banks as well as the investment community.

CIBC, one of the world’s largest banks, and Charlesbank Capital Partners, a leading private equity firm, each have ownership investments in StoneCastle. StoneCastle is headquartered in New York, NY with a regional office in Atlanta, GA.

StoneCastle Asset Management LLC (“SAM”), the external manager of StoneCastle Financial Corp., is an SEC- registered investment advisor. SAM is staffed with investment professionals from its affiliates, which collectively manage one of the largest portfolios of assets dedicated to the U.S. community banking sector.

For more information, please visit www.stonecastle.com

LEARN MORE

866-343-5516 banks@stonecastle.com

WWW.STONECASTLE.COMStoneCastle | 212-354-6500 | 152 W. 57th Street, 35th Floor, New York, NY 10019