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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.74%	0.81%	0.82%	0.85%	0.90%	+16 bps
Return on Equity	5.97%	6.42%	6.47%	6.71%	7.19%	+122 bps
Net Interest Margin	3.45%	3.44%	3.37%	3.35%	3.38%	-8 bps
Efficiency Ratio	74.85%	72.30%	71.26%	67.85%	65.01%	-984 bps
Non-Interest Burden	2.54%	2.44%	2.35%	2.25%	2.15%	-39 bps
Growth
Asset Growth (YoY)	1.11%	-4.31%	-0.47%	0.15%	6.17%	+506 bps
Loan Growth (YoY)	-0.53%	0.74%	1.70%	2.12%	9.02%	+955 bps
Deposit Growth (YoY)	2.62%	-4.11%	-0.57%	0.40%	7.46%	+483 bps
Asset Quality
Nonperforming Loans / Loans	0.40%	1.29%	1.69%	2.87%	3.15%	+275 bps
Net Charge-Offs / Loans	-0.02%	0.00%	0.00%	0.06%	0.03%	+4 bps
Allowance / Loans	1.07%	1.04%	1.04%	1.02%	0.99%	-8 bps
Allowance Coverage of NPLs	2.7x	0.8x	0.6x	0.4x	0.3x	-2.3x
Capital
Tier 1 Leverage Ratio	13.21%	13.42%	13.28%	12.81%	12.78%	-43 bps
Total Risk-Based Capital	16.44%	16.18%	16.08%	15.64%	15.14%	-130 bps
Equity / Assets	13.04%	13.13%	12.79%	12.42%	12.47%	-56 bps
Liquidity & Funding
Loans / Deposits	99.05%	99.45%	97.84%	97.33%	100.49%	+144 bps
Liquid Assets / Assets	5.70%	5.34%	6.65%	6.44%	3.98%	-171 bps
CRE / Total Capital	n/a	528%	536%	557%	n/a	n/a