MAY 17, 2018  NASDAQ: RBNC  Annual Meeting of Shareholders 

 Forward Looking Statement  Statements in this presentation relating to Reliant Bancorp, Inc.’s plans, objectives, expectations or future performance are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The words “believe,” “may,” “should,” “anticipate,” “estimate,” “expect,” “intend,” “objective,” “possible,” “seek,” “plan,” “strive” or similar words, or negatives of these words, identify forward-looking statements. These forward-looking statements are based on management’s current expectations. The Company’s actual results in future periods may differ materially from those indicated by forward-looking statements due to various risks and uncertainties. These and other risks and uncertainties are described in greater detail under “Risk Factors” in the Form 10-K and subsequent periodic reports filed with the Securities and Exchange Commission. The forward-looking statements in this presentation are made as of the date of the release and the Company does not assume any responsibility to update these statements. 

 2017 Highlights  Record loans, deposits and assetsAchieved $1 billion in assets in second quarterCash dividend increased 9% to $0.24 per shareStrengthened capital base through earnings growth, exercise of stock options, and $25 million private placementAnnounced Community First merger in August, completed January 1, 2018Aligned brand under Reliant name with corporate name change and new symbol – RBNCOpened Chattanooga LPO in March 

 RBNC stock rose 20.7% in 2017  Total Return Stock Performance  Total Return Stock Performance 

 Community First Merger   Created 4th largest bank by assets headquartered in Middle TennesseeAdded 7 full-service branch locations#2 market share in Maury County#1 market share in Hickman CountyCompleted core conversion of 23,000 accountsStrengthened leadership with addition of Community First team membersRebranded to Reliant Bank 

                   SUMNER  WILSON  RUTHERFORD  Gallatin  Murfreesboro  Nashville        Franklin    DAVIDSON                          65                          Lebanon  MONTGOMERY  ROBERTSON  SUMNER  WILSON  RUTHERFORD  MAURY  HICKMAN  WILLIAMSON  DICKSON  CHEATHAM  Clarksville  Springfield  Gallatin  Murfreesboro  Brentwood  Columbia  Dickson  AshlandCity  Nashville    24  40  65                                    Lebanon        HAMILTON  Chattanooga      RBNC Branches (8)Community First Branches (7)RBNC Mortgage LPO (1)RBNC LPO (2)            DAVIDSON  Reliant Bank Today 

 Population Growth Projection 2018-2030  County Ranking  County  % Growth by 2030  1  Williamson  28.4%  2  Rutherford  28.1%  5  Sumner  17.9%  9  Maury  13.9%  10  Robertson  12.9%  14  Davidson  11.8%  25  Hamilton  8.8%  54  Hickman  1.8% 

 First Quarter 2018 Highlights  Record net income up 82% to $3.7 million, $.33 per share Return on average assets – 0.93% Return on average equity – 7.43%Loans up 59% to $1.1 billionDeposits rose 63% to $1.3 billionAssets increased 67% to $1.6 billionStrong net interest margin 3.79%Superior asset quality and low charge-offsStrong capital = all ratios exceed regulatory targets for “well capitalized”Positioned for further growth, profitability 

 Strategy for 2018  Maintain focus on strong, profitable organic growthGrow core depositsFull service office in Murfreesboro (Q3) and Chattanooga (Q4) Continue to add lending talentRemain committed to superior asset qualityImprove operating efficiency following Community First integrationEnhance digital experience – new website (May 1), on-line account openingStrategic M&A opportunities 

 NASDAQ: RBNC