BUSINESS FIR BANCSHAR Q4 and FY 2022 Results gusiness First O BANCshap NASDAQ: BFST Nasdag 2 o BUSINESS FIRST Q4 and FY 2022 Results TABLE OF CONTENTS Legal Disclosures 5 Guiding Principles & Social Impact 6 - 7 Business First Bancshares, Inc. Overview 8 - 14 Financial Results Q4 2022 Financial Results 16 - 18 Stable Credit Performance 19 Yield/Rate Analysis 20 - 21 Loan Portfolio Operating Loan Growth 23 Loan Composition 24 - 26 Sectors in Focus 27 Liquidity and Deposits 28 Securities Portfolio 29 Appendix ...