MainStreet Bancshares (MNSB) investor relations material

Executive summary

• Achieved strong Q2 2026 profitability with EPS of $0.58, net income of $4.7 million, and ROAA of 0.85%, all improving sequentially and year-over-year.

• Net interest margin expanded to 3.53%, reflecting effective balance sheet and funding cost management.

• Tangible book value per share increased to $26.30, driven by earnings and accretive share buybacks.

• Loan portfolio grew to $2.0B, with $97M year-over-year growth in owner-occupied CRE and balanced deposit growth maintaining a 100% loan-to-deposit ratio.

• Maintained strong asset quality and capital position, with disciplined expense control and a focus on core earnings.

Financial highlights

• Net interest income for Q2 2026 was $18.23M, up from $17.14M in Q4 2025 and $17.5M in Q1 2026.

• Total assets at June 30, 2026 were $2.24B, with total deposits at $1.93B.

• Efficiency ratio improved to 65.44% from 74.26% year-over-year, and noninterest expense remained controlled at $12.52M.

• Book value per share grew 9% year-over-year, aided by earnings and share buybacks.

• Allowance for credit losses on loans was 0.99% of total gross loans.

Outlook and guidance

• Loan growth for 2026 projected between 5% and 7%.

• Expense run rate expected to stay under $13M per quarter for the remainder of 2026.

• Net interest margin anticipated to remain steady with only minor fluctuations, despite deposit pricing pressures.

• Management expects continued progress toward targeted returns on assets and equity.

• Tax rate expected to remain consistent for the next few quarters.