6th Annual

KBW Community Bank
Investor Conference

July 26-27, 2005

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NASDAQ: SNBT

Forward Looking Statements

This presentation may include forward-looking statements. These forward-looking statements
include comments with respect to our objectives and strategies, and the results of our operations
and our business.

However, by their nature, these forward-looking statements involve numerous assumptions,
uncertainties and opportunities, both general and specific. The risk exists that these statements
may not be fulfilled. We caution readers of this presentation not to place undue reliance on these
forward-looking statements as a number of factors could cause future company results to differ
materially from these statements.

Forward-looking statements may be influenced in particular by factors such as fluctuations in
interest rates and stock indices, the effects of competition in the areas in which we operate, and
changes in economic, political, regulatory and technological conditions. We caution that the
foregoing list is not exhaustive.

When relying on forward-looking statements to make decisions, investors should carefully consider
the aforementioned factors as well as other uncertainties and events.

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NASDAQ: SNBT

Second Quarter Highlights

	Q2 2005	Q2 2004

Earnings Per Share (Diluted)	$0.19*	$0.20**
Efficiency Ratio	54.47%	60.32%
Return on Average Assets (ROA)	0.88%	0.55%
Return on Average Equity (ROE)	10.96%	18.79%
Net Interest Margin* (NIM)**	3.33%	2.80%
Book Value	$7.05	$3.69

*** Tax Equivalent

* 2005 Weighted Average Shares Outstanding total 12.6 million (diluted)

** 2004 Weighted Average Shares Outstanding total 7.2 million (diluted)

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NASDAQ: SNBT

Opened Bellfort
National Bank

Experienced
major
economic
downturn

1991

$100

million

in assets

Opened Memorial
Southwest branch

Stewart Morris invests first $1 million in
the Bank

Harvey Zinn elected CEO

Established a long-term vision

1989

Opened Sugar Land
Monticello

Installed fully
automated systems

Formed SNB
Bancshares, Inc.

20 Years of History

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NASDAQ: SNBT

2000

IPO in August at
$10.50 per share –
raised $52.2 million
in new capital

2003

2004

$1 billion
in assets

$14 million
private
equity
offering

$30 million
capital funding
through trust
preferred
securities

Opened Uptown Farmington

Opened Katy in October

20 Years of History

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NASDAQ: SNBT

* Data from FDIC Summary of Deposits Report, June 30, 2004

Company Highlights

•	SNB Bancshares (“SNB”) is a fast growing commercial bank holding company headquartered in Fort Bend County, one of the fastest growing counties in the U.S.

•	SNB serves some of the most affluent markets in the Greater Houston Metropolitan Area

•	Second largest deposit market share in Fort Bend County with 16% market share and the largest deposit market share in the City of Sugar Land with 25% of the market share*

•	Sixth largest independent commercial bank headquartered in the Greater Houston Metropolitan Area - $84 billion banking market*

•	Experienced management team with average of 24.5 years Texas commercial banking experience at the executive level

•	Solid reputation and strong brand recognition in local markets

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NASDAQ: SNBT

Currently have four
locations in the
Southwest part of
Houston Metro in
Fort Bend and
Harris Counties

Located in Fast Growing Markets

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NASDAQ: SNBT

The Components of Our Business Strategy

—	Continue and Strengthen our Community Banking Strategy

—	Continue our Expansion and Increase our Market Share

—	Maintain our Loan to Deposit Ratio

—	Increase our Core Deposits

—	Diversify Revenue Stream by Increasing Fee Income

—	Actively Manage our Balance Sheet

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NASDAQ: SNBT

Continue our Community Banking Strategy

Unparalleled Level of Customer Service

–	Old-Fashioned, Person-to-Person Customer Service

–	Community-Oriented Culture

–	Centralized Management

–	Streamlined Decision Making

–	Open Lobby Layout

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NASDAQ: SNBT

Continue our Expansion

and Increase Market Share

•	Opened the Katy Branch in October, 2004

–	June 30, 2005 Deposits totaled $ 9.9 million

•	Opening a Branch in Richmond, Texas

–	Signed a 5-year Lease

–	Expected to Open in August, 2005

•	Opening a Branch that will serve as the Community Headquarters in Katy, Texas

–	In the Cinco Ranch Community

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NASDAQ: SNBT

To Expand our
Locations Around the
Houston Metro Area.

Prospective Locations:

Branch Growth Strategy

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NASDAQ: SNBT

Actively Manage

Our Balance Sheet

–	Balance Sheet Restructuring

•	$169 million of securities sold

–	All with 3.07% coupon rate or less

–	Weighted Average Yield of 2.76%

•	Paid down $75 million of FHLB borrowings

•	Reinvested $88 million in securities

–	Weighted Average Yield of 4.90%

–	Average Life - 4.4 years

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NASDAQ: SNBT

Strong growth in earnings

Second Quarter 2005

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NASDAQ: SNBT

* 2004 Weighted Average Shares Outstanding total 7.2 million (diluted)

** 2005 weighted Average Shares Outstanding total 12.6 million (diluted)

Second Quarter 2005

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NASDAQ: SNBT

Second Quarter 2005 Review

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NASDAQ: SNBT

Replacing high cost deposits

Second Quarter 2005

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NASDAQ: SNBT

Increasing Revenues While Managing Expenses

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NASDAQ: SNBT

Improving operational efficiency

Second Quarter 2005

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NASDAQ: SNBT

Second Quarter 2005

•	Equity for Q2 2004- $25.8 million

•	Equity for Q2 2005- $87.6 million

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NASDAQ: SNBT

•	Average Assets for Q2 2004- $ 979,886

•	Average Assets for Q2 2005- $1,107,416

Second Quarter 2005

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NASDAQ: SNBT

* Tax Equivalent

Second Quarter 2005

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NASDAQ: SNBT

Allowance for Loan Losses to Period End Total Loans

Managing the Loan Portfolio

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NASDAQ: SNBT

(0.01%)

Second Quarter 2005 Review

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NASDAQ: SNBT

Nonperforming Assets to Total Loans and OREO

Managing the Loan Portfolio

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NASDAQ: SNBT

Continuing our Unique Community Banking Approach

§	Continuing our Old-Fashioned Customer Service

§	Expanding Branch Locations

§	Increasing Core Deposits

§	Managing the Balance Sheet

§	Continuing to be “The Community’s Bank”

SNB Bancshares Inc 8-K