MainStreet Bancshares (MNSB) investor relations material

Company overview and business model

• Operates as a financial holding company owning 100% of a community commercial bank and a capital subsidiary, serving Northern Virginia and the greater Washington, D.C. area.

• Focuses on retail, small to medium-sized business, and professional clients, offering a full suite of banking products and technology-driven services.

• Competes with larger institutions by combining advanced technology with personalized local service and decision-making.

• Approved to list common stock and depositary shares on the Nasdaq Capital Market under symbols "MNSB" and "MNSBP".

Financial performance and metrics

• As of May 13, 2026, 6,369,745 shares of common stock held by non-affiliates had an aggregate market value of $142,937,075, with a last quoted sale price of $22.44 per share.

• 7,117,438 shares of common stock and 28,750 shares of Series A Preferred Stock were outstanding as of May 13, 2026.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes, including capital contributions to the bank, debt repayment, acquisitions, and investments in permitted activities.

• Unused funds may be temporarily invested in securities or used to pay down borrowings.