Mainstreet Bancshares, Inc.NASDAQ: MNSB

Financial Highlights: 4th Quarter 2024

· MarketScreener

2024 financial results

Profitability

Balance Sheet

2024

4Q24

3Q24

2Q24

1Q24

EPS

($1.60)

($2.20)

($0.04)

$0.27

$0.36

ROAA2

(0.47%)

(2.80%)

0.05%

0.50%

0.65%

ROAE2

(4.44%)

(28.19%)

0.47%

4.70%

5.97%

ROATCE2

(6.15%)

(33.09%)

(0.60%)

4.64%

6.17%

Net interest margin1,2,3

3.13%

2.96%

3.05%

3.20%

3.29%

Net loans ($000)

$1,810,556

$1,810,556

$1,775,558

$1,778,840

$1,727,110

Total deposits ($000)

$1,907,794

$1,907,794

$1,893,669

$1,755,363

$1,732,735

Total assets ($000)

$2,228,098

2,228,098

$2,224,599

$2,093,746

$2,070,015

ACL / gross loans4

1.06%

1.06%

1.02%

0.95%

0.95%

NCOs / avg loans

0.25%

0.46%

0.42%

0.08%

0.03%

Total equity/tangible

9.33%

9.33%

10.25%

10.82%

10.86%

assets 3

  1. tax-equivalentyield
  2. annualized
  3. non-GAAP
  4. ACL on Loans excludes unfunded commitments

Impact of nonrecurring adjustments

on 2024 performance

Nonrecurring adjustments

2024

Credit

Capital

2024 without

actual

issues

impairment

adjustments

EPS

($1.60)

$0.67

$2.14

$1.21

ROAA

(0.47%)

0.24%

0.76%

0.53%

ROAE

(4.44%)

2.24%

7.24%

5.04%

NIM 1,2

3.13%

3.21%

-

3.21%

  1. tax-equivalentyield
  2. annualized
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