Mainstreet Bancshares, Inc. · NASDAQ:MNSB
Mainstreet Bancshares — FY2025 Earnings Presentation
22 slides from Mainstreet Bancshares's earnings presentation, Jan 26, 2026
Slide 1: 2025 Financial Highlights
January 26, 2026 2025 Financial Highlights = MainStreetBancshares, Inc.
Slide 2: Forward-looking statements and additional information
Forward-looking statements and additional information Statements in this presentation which are not historical are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private
Slide 3: Excellent market for a community business bank
Excellent market For a community business bank Major universities Federal hub Georgetown © Defense contracting °cow * CAC! * American # Lockheed Martin * Howard a * George Mason * SAIC Gallaudet Catholic @ UMUC Marymount Resident fortune 500 Other notable © Under Armour * Historic trend of low unemp
Slide 4: The DC Metropolitan area is vibrant with opportunity
The DC Metropolitan area Is vibrant with opportunity Median household Average home listing Good things continue ies fess to happen in the DC Market Median days on the Government employees in market? the DMV3 Federal Reserve Economic Data ~ Year End 2023 — Fairfax County, Falls Church, DC, MD Average
Slide 5: Strategic balance sheet management
Strategic balance sheet management March 2022 sunt Apa Sub Debt Offerng Sop 2020 SOM wi Sub-Detx 828,75M Offering Depostory i $2,228 $2213 Shae Ong c $2,035 arent $1,926 : $1,643 $1.64 Dec20ts — uy2016 October 2017 $1.27 s12eM Famed SIBAM Prt $1,101 Private Placement an : of Common a8 tegen : Bagmir
Slide 6: Rooted in community
Rooted in community branch-lite structure Headquarters: Fairfax, VA Full-time employees: 174 Assets per employee: $12,716M Holding company established: 2016 “
Slide 7: Number of shares repurchased / MNSB stock data
209K Number of shares repurchased at a 28% accretion to tangible book value. MainStreet Bancshares, Inc. MNSB Close common stock price $20.36 Price / tangible book value 80% Common shares 7,496,571 Market capitalization $153 million Tangible book value $25.52 MNSBP Close preferred stock price $24.75
Slide 8: 2025 financial summary
2025 financial summary = 2 EPS a 3 ROAM? Ss ROATCE? a Net interest margin’? Net loans (§ millions) Total deposits ($ millions) Total assets ($ millions) ACL / gross loans NCOs / avg loans? Balance Sheet Total equity/tangible assets? $1,842 $1,899 $2,213 1.04% 0.00% 9.88% 4Q25 $0.46 0.75% 7.31% 3.36%
Slide 9: Sound liquidity management
Sound liquidity management Liquidity coverage ratio (LCR)' 106% 147% 108% 225% Loan / Deposit Ratio 98% 100% 99% 96% FDIC insured / total deposits ? 12% 15% 14% 74% High quality liquid assets > $217 $196 $202 $274 Secured line available balance $587 $527 $551 $555 Unsecured line of credit $144 $144
Slide 10: Core and Reported net interest margin(s) are good
Core and Reported net interest margin(s) are good 3.75% 3.65% 3.55% 3.45% 3.35% 3.25% 3.15% 3.05% 295% 2.85% 275% Quarterly net interest margin! e Net inte
Slide 11: Competitive Deposit Market
Competitive Deposit Market We are enhancing our margins through competitive positioning and by emphasizing relationships that keep our deposit base stable and cost-effective. Cost of Deposits Total Deposits ($000) interest-bearing DDAs $1,907,794 ™ Non-intere: $1,798,547 bearing DDAs $1 "Time
Slide 12: The team continues to focus on core revenue generation and expense control
The team continues to focus on core revenue generation and expense control 2026 first half expectations + We anticipate that the first and second quarter expense run rate will remain consistent with the Q4 2025 run rate. + We anticipate a 3% to 4% loan growth through Q2 of 2026. “ 12
Slide 13: Active share buyback program
Active share buyback program Beginning buyback Availability $10,000,000 Shares Repurchased 209,000 Share Repurchase Price $18.54 Total Repurchase Price $3,875,000 Year-end buyback Availability $6,125,000 28% Accretion to tangible book value from repurchase “ 13
Slide 14: Diversified loan portfolio with strategic growth in owner-occupied CRE
Diversified loan portfolio with strategic growth in owner-occupied CRE 2025 2024 Non-owner Occupied CRE 30% Non-Owner Occupied cE 30% Construction $1.88 eae ---> $1.9B os csi 6% ‘owner- Occupied CRE aoe Multi-Family 1% ‘owner- ‘Occupied CRE 20% Substantial reduction in CRE 394% concentration while g
Slide 15: Government contractors self-fund
Government contractors self-fund With an appreciable surplus 30 asset-based lines of credit si2.aM $93.6 — aaliiiteya Average non-interest $67.3M bearing deposits Total committed 3 term loans
Slide 16: Loan pricing positioned for stable or falling rates
Loan pricing positioned for stable or falling rates if | 60% with a weighted — average floor rate of 5.84% December 31, 2025 total loans $1.9B Loans include all fixed-rate and floating loans with a rate repricing date more than 6-months from quarter-end 2 Loans are loans that can reprice immediately
Slide 17: The average new loan size is indicative of well-distributed credit risk
The average new loan size is indicative of well-distributed credit risk management process Good loan metrics im Average New Loan Size $46.810 544.498 $46,252 Legal Lending Limit $42,986 $34,104 $28,430 $23,684 $21,354 $3;923 $2,330 $2,309 $2,045 $1911 $1,403 $1,397 $1,388 2018 ©2019 += 2020-2021 202
Slide 18: Earning asset stress-test shows strong capital position
Earning asset stress-test shows strong capital position Pre- and post-stress capital ratios 14.6% 14.8% 15.4% 15.2% 15.1% % om IY 9 12.8% % 12.5% 12.4% 12.6% Trek 7.0% 4024 1025 2025 3Q25 4Q25 ess Loss Estimates ($00 $46,790 —Pre stress CET1/RBC —Poststress CET1/RBC —Regulatory threshold Well-capita
Slide 19: Minimizing exposure on classified and work-out loans
The team is laser-focused on minimizing exposure on classified and work-out loans Classified accrual loans loans OREO Relationships 8 oF, ] Balances $50.1 million $31.5 million $1.6 million BSCS 2.69% 169% 0.09% Gross Loans 19 “
Slide 20: Financial highlights
Financial highlights Year-End Fin ise noted 2021 2022 2023 2024 2025 424 Juarter-End Financial Qt25 Q2z25 Q3'25 Q425 Interest come 83615 124.421 134615) Eater 32953 34288 «32464 here Interest Expense saas6 47.679 __72.041| 62.043 1645315406 15,952 94732 Netinterest Income yoo 76.782 62.574] BOA) tes
Slide 21: Financial highlights continued
Financial highlights continued -End Financial 00 unless otherwise noted 2021 Quarter-End Financ Q125 Q225 Q325 Q4'25 Performance Metis (8) ROAA 132 138-047] 073) 086 085 075 ROAE 1238 12.68 Asal 733) 872 833 737 ROATCE to Common Shareholders 1323 1431 Bry 8.49] 429 1002 ao 843 Core ROMA (Non-GAAP) 1
Slide 22: Definitions
Definitions ACL AOC! CET CETI-RBC CRE EAR EPS GAAP LcR Allowance for Credit Losses Accumulated Other Comprehensive Income Common Equity Tier-1 Common Equity Tier-1 Risk-Based Capital Commercial Real Estate Earnings-at-Risk: simulation model used to forecast changes to net interest income and reflect