INVESTORS Creating Shared Value Value Proposition We believe that our growth strategies and leadership strategically differentiate Tectonic Financial and create significant commercial value. Our competitive advantage is driven by innovation and creativity, not only leading the way in financial services but also shaping the direction of the financial technology landscape. This approach allows us to streamline customer experiences as well as simplify our own processes. Company Overview Tectonic Financial is a financial holding company that offers banking, trust, investment advisory, securities brokerage and insurance services to high net worth individuals, small businesses and institutions in all 50 states. We believe our diversified lines of business: (a) generate a high degree of recurring earnings; (b) create an attractive return on equity and assets; (c) complement one another to reduce earnings volatility; (d) expand the number of services that we can offer and our clients can utilize; and (e) reduce the need for additional outside capital to finance our loan growth. Our trust department and broker-dealer clientele provide a source of stable funding, which we expect to increase as a percentage of our total funding sources, to help support the growth of our Bank’s loan portfolio. Likewise, our clients’ trust portfolios benefit from advisory services provided by our registered investment advisor, and our insurance agency is expected to grow through serving certain of our Bank and investment clients. We believe that we can leverage this combination of financial services to reduce our client acquisition costs and create shareholder value through our integrated next generation financial services platform. Tectonic, adj. (\tek-ta-nik\) Having a strong and widespread impact; often used in geological terms to describe gradual or abrupt shifts in the earth's structure Timeless Philosophy We view wealth accumulation as a gradual (almost) glacial and disciplined process, and risk management as protection against an abrupt event (like a tsunami or earthquake). Experienced Management Strong history of growing companies in a creative, but risk-conscious manner. Aligned Ownership Nearly 80% owned by professionals responsible for management and/or growth of business. Headquarters Dallas (bank) Houston (investment services) Our Clients High net worth individuals Small businesses Institutions Registered investment advisers Services Banking/trust Wealth management Private equity Insurance Client Assets $4.52 billion (includes assets under management, client assets in custody and client brokerage assets) Employees 140 Meet Our Team Executing our goals with passion and discipline. Corporate Governance Reinforcing high levels of integrity at all levels in the Company. Key Investment Highlights High performer with return on average assets (ROAA) and return on average tangible common equity (ROATCE*) for the year ended December 31, 2020 Well-diversified and recurring revenue stream with fee based income driven by client assets** of $4.52 billion Credentialed management team with past experience in successfully growing companies Proven ability to grow client assets** organically and through strategic acquisitions Significant insider and affiliate ownership closely aligns management: directors, named executive officers and affiliates beneficially own ~77.5% of common shares Ability to scale through proprietary software platform; continued focus on an integrated long-term funding strategy Located in robust, fast-growing metropolitan Texas markets (Dallas/Houston) with added diversification benefits via national lending platforms Prudent and solid growth, with strong credit metrics * Represents a non-GAAP measure ** Client assets include assets under management, client assets in custody and client brokerage accounts. Financial Reporting 2021 2020 2019 SEC Filings 2021 2020 2019 Shareholder Services TRANSFER AGENT Broadridge Corporate Issuer Solutions, Inc. Phone: (877) 830-4936 Email: shareholder@broadridge.com TICKER SYMBOL TECTP (NASDAQ) DIVIDEND PAYMENTS The declaration and payment of quarterly dividends are made at the discretion of the Board of Directors. 2021 Annual Meeting of Shareholders Date/Time Wednesday, June 30, 2021 2:30 PM Central Time Location T Bank 16200 Dallas Parkway Suite 190 Dallas, Texas 75248 Dial-In Information Toll-Free: (844) 867-6169 Caller Paid: (409) 207-6975 Access Code: 7343244 Record Date Common shareholders as of the close of business on June 1, 2021 can vote. News Releases Press Release Tectonic Financial Has Acquired Integra Funding Solutions July 1, 2021 Press Release T Bank Provides $100 Million in Paycheck Protection Program Loans for Small Businesses May 12, 2020 Corporate Governance Our unbending insistence on integrity is reinforced at all levels in the Company. Corporate governance refers to the entire system for managing and supervising a company. This includes its organization, values, corporate principles and guidelines as well as internal and external control and monitoring mechanisms. Effective and transparent corporate governance ensures that Tectonic Financial is managed and supervised responsibly with a focus on value creation. It fosters the confidence of our investors, the financial markets, our clients and other business partners, employees, and the public in Tectonic Financial. Board of Directors George L. Ball Co-Chairman VIEW BIO Darrell W. Cain C0-Chairman VIEW BIO Patrick Howard President & Chief Operating Officer, Tectonic Financial and Chief Executive Officer, T Bank VIEW BIO Thomas McDougal Director VIEW BIO A. Haag Sherman Chief Executive Officer VIEW BIO Barb Bomersbach Director VIEW BIO Steven B. Clapp Director VIEW BIO Eric Langford Director VIEW BIO Thomas Sanders Director VIEW BIO Daniel C. Wicker Director VIEW BIO Governance Documents Audit Committee Charter Code of Business Conduct and Ethics Compensation Committee Charter Whistleblower Policy Tectonic Financial, Inc. 600 Travis Street, 59th Floor Houston, Texas 77002 713.224.3100