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Mainstreet Bank

Fairfax, VA · Cert 57742 · Mainstreet Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mainstreet Bank

Fairfax, VA · Cert 57742 · Mainstreet Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BDeposits
$279.2MEquity
Loan mix
96%RE $1.8B4%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $1.6B19%Noninterest $0.4BQ3 2024Q2 2026

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.6% share · #20 of 71 inst. · $1.9B of $301.4B

13.1% Fairfax (City)
0.4% Fairfax
0.8% District of Columbia
2.1% Loudoun

Executive Summary

  • Earnings: ROA of 0.90%, up 16 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 3.15% of loans (+275 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.78%, down 43 bps from a year ago.
  • Funding: loans stand at 100.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.90%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-8 bps YoY

Efficiency Ratio (YTD, annualized)

65.01%-984 bps YoY

Tier 1 Leverage Ratio

12.78%-43 bps YoY

NIM

6.29%Q2 ’246.29%Q2 ’255.72%Q2 ’26+11%-2%

Non-interest income vs. expense

2.37%Q2 ’242.71%Q2 ’252.27%Q2 ’26+15%-15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%-0.35%0.55%0.74%0.81%0.82%0.85%0.90%+16 bps
Return on Equity3.67%-2.64%4.48%5.97%6.42%6.47%6.71%7.19%+122 bps
Net Interest Margin3.07%2.87%3.21%3.45%3.44%3.37%3.35%3.38%-8 bps
Efficiency Ratio74.63%76.23%78.40%74.85%72.30%71.26%67.85%65.01%-984 bps
Non-Interest Burden2.25%3.03%2.48%2.54%2.44%2.35%2.25%2.15%-39 bps
Growth
Asset Growth (YoY)9.80%9.28%7.28%1.11%-4.31%-0.47%0.15%6.17%+506 bps
Loan Growth (YoY)5.70%6.29%5.02%-0.53%0.74%1.70%2.12%9.02%+955 bps
Deposit Growth (YoY)12.21%13.22%10.18%2.62%-4.11%-0.57%0.40%7.46%+483 bps
Asset Quality
Nonperforming Loans / Loans1.58%1.37%1.36%0.40%1.29%1.69%2.87%3.15%+275 bps
Net Charge-Offs / Loans0.18%0.25%0.00%-0.02%0.00%0.00%0.06%0.03%+4 bps
Allowance / Loans1.02%1.06%1.06%1.07%1.04%1.04%1.02%0.99%-8 bps
Allowance Coverage of NPLs0.6x0.8x0.8x2.7x0.8x0.6x0.4x0.3x-2.3x
Capital
Tier 1 Leverage Ratio13.98%12.08%12.90%13.21%13.42%13.28%12.81%12.78%-43 bps
Total Risk-Based Capital16.96%15.69%15.83%16.44%16.18%16.08%15.64%15.14%-130 bps
Equity / Assets13.14%12.13%12.23%13.04%13.13%12.79%12.42%12.47%-56 bps
Liquidity & Funding
Loans / Deposits94.67%95.65%95.69%99.05%99.45%97.84%97.33%100.49%+144 bps
Liquid Assets / Assets10.21%8.86%8.74%5.70%5.34%6.65%6.44%3.98%-171 bps
CRE / Total Capitaln/an/an/an/a528%536%557%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mainstreet Bank

Fairfax, VA · Cert 57742 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Mainstreet Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BDeposits
$279.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 84% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
  • Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.90%

Rank 139 of 176

Net Interest Margin

3.38%

Rank 115 of 176

Efficiency Ratio

65.01%

Rank 121 of 176

Equity / Assets

12.47%

Rank 28 of 176

Non-interest income vs. expense

$2.6M$50.3MINCOMEEXPENSE
Unfavorable gap of $47.7M · efficiency ratio beats 32% of banks $1B-$10B in assets operating regionally
Bank 65.01%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.93%1.26%1.54%Beats 21%139 / 176
Return on Equity7.19%9.26%11.89%14.46%Beats 13%154 / 176
Net Interest Margin3.38%3.25%3.59%3.93%Beats 35%115 / 176
Efficiency Ratio65.01%52.79%59.55%67.66%Beats 32%121 / 176
Asset Quality
Nonperforming Loans / Loans3.15%0.30%0.64%1.32%Beats 2%173 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 68%57 / 176
Capital
Tier 1 Capital Ratio14.14%11.15%12.72%14.15%Beats 74%45 / 176
Total Risk-Based Capital Ratio15.14%11.81%13.63%15.33%Beats 74%46 / 176
Equity / Assets12.47%9.16%10.35%11.80%Beats 84%28 / 176
Liquidity & Funding
Loans / Deposits100.49%80.94%89.73%97.21%84th pctl29 / 176
Loans / Assets87.00%69.25%75.12%80.82%97th pctl5 / 176
Brokered Deposits / Depositsn/aNot reported for this institution