MainStreet Bancshares Inc. Reports Another Profitable Quarter

Net Income and Earnings Per Share Exceed Market Expectations

MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported a net income of $4.52 million and earnings per common share of $0.52 outperforming expectations of $4.48 million and $0.51 respectively for the quarter-ended September 30, 2025.

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“Our core net interest margin is a healthy 3.54% for the third quarter of 2025. Our balance sheet is well-structured for current and anticipated rate changes to continue producing good results,” said Alex Vari, Chief Financial Officer of MainStreet Bank. “The outlook for the Bank remains strong, as our team continues to focus on core revenue generation and expense control.”

“We continue to see quality opportunities to lend in the government contracting, commercial real estate, construction and owner-occupied space,” said Tom Floyd, Chief Lending Officer of MainStreet Bank. “We've worked with a few of our borrowers to improve their credit relationship, and as a result I'm happy to report that we continue to show strong asset quality. Finally, we've been talking with our customers regularly about the shutdown, and they know we stand ready to help them with their financial needs.”

On October 16, 2025, the Board of Directors of MainStreet Bancshares, Inc. authorized a new stock repurchaseprogram authorizing the Company to repurchase up to $10.0 million of the Company's common stock. This new stock repurchase program will replace and supersede the Company's existing stock repurchase program which was originally announced on May 19, 2022. The Company and Bank remain well capitalized.

About MainStreet Bank: MainStreet operates six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington, D.C. MainStreet Bank has over 55,000 free ATMs and a fully integrated online and mobile banking solution. The Bank is not restricted by a conventional branching system, as it can offer business customers the ability to Put Our Bank in Your Office®. With robust and easy-to-use online business banking technology, MainStreet has “put our bank” in thousands of businesses in the metropolitan area.

MainStreet Bank has a robust line of business and professional lending products, including government contracting lines of credit, commercial lines and term loans, residential and commercial construction, and commercial real estate. MainStreet also works with the SBA to offer 7A and 504 lending solutions. From sophisticated cash management to enhanced mobile banking and instant-issue Debit cards, MainStreet Bank is always looking for ways to improve our customer's experience.

MainStreet Bank was the first community bank in the Washington, D.C., metropolitan area to offer a full online business banking solution. MainStreet Bank was also the first bank headquartered in the Commonwealth of Virginia to offer CDARS – a solution that provides multi-million-dollar FDIC insurance. Further information on the Bank can be obtained by visiting its website at mstreetbank.com.

This release contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties. The statements contained in this release that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Words such as “may,” “will,” “could,” “should,” “expect,” “plan,” “project,” “intend,” “anticipate,” “believe,” “estimate,” “predict,” “potential,” “pursuant,” “target,” “continue,” and similar expressions are intended to identify such forward-looking statements. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions in our specific market areas, future impacts of pandemic outbreaks, maintenance and development of well-established and valued client relationships and referral source relationships, and acquisition or loss of key production personnel. We caution readers that the list of factors above is not exclusive. The forward-looking statements are made as of the date of this release, and we may not undertake steps to update the forward-looking statements to reflect the impact of any circumstances or events that arise after the date the forward-looking statements are made. In addition, our past results of operations are not necessarily indicative of future performance.

UNAUDITED CONSOLIDATED BALANCE SHEET INFORMATION(In thousands) September June 30, March 31, December September 30, 2025 2025 2025 31, 2024* 30, 2024ASSETSCash and cash equivalentsCash and due from banks $ 23,940 $ 20,888 $ 18,384 $ 21,351 $ 15,319Interest-bearing deposits at other financial institutions 1,315 864 735 1,711 478Federal funds sold 102,039 111,532 183,521 184,646 216,317Total cash and cash equivalents 127,294 133,284 202,640 207,708 232,114Investment securities available for sale (AFS), at fair value 58,338 56,138 55,935 55,747 58,489Investment securities held to maturity (HTM), at amortized cost, net of allowance for credit losses of $0 for all periods 14,293 14,846 15,657 16,078 16,016Restricted securities, at amortized cost 7,005 7,005 7,005 6,873 6,873Loans, net of allowance for credit losses of $18,831, $19,057, $19,460, $19,450, and $18,327, respectively 1,788,243 1,767,432 1,811,789 1,810,556 1,775,558Premises and equipment, net 13,212 13,344 13,020 13,287 13,571Property held for sale, at fair value 3,225 3,225 – – -Accrued interest and other receivables 13,622 15,023 9,607 11,311 11,077Computer software, net of amortization – – – – 18,881Bank owned life insurance 40,433 40,117 39,809 39,507 39,203Other assets 59,124 64,367 67,383 67,031 52,817Total Assets $ 2,124,789 $ 2,114,781 $ 2,222,845 $ 2,228,098 $ 2,224,599LIABILITIES AND STOCKHOLDERS' EQUITYLiabilities:Non-interest bearing deposits $ 324,717 $ 330,045 $ 345,319 $ 324,307 $ 347,575Interest-bearing demand deposits 123,231 124,090 106,033 139,780 197,527Savings and NOW deposits 125,214 116,069 124,049 64,337 61,893Money market deposits 458,946 463,904 511,925 560,082 451,936Time deposits 778,727 764,439 820,999 819,288 834,738Total deposits 1,810,835 1,798,547 1,908,325 1,907,794 1,893,669Subordinated debt, net 69,837 71,238 72,138 73,039 72,940Other liabilities 25,754 31,526 32,764 39,274 31,939Total Liabilities 1,906,426 1,901,311 2,013,227 2,020,107 1,998,548Stockholders' Equity:Preferred stock 27,263 27,263 27,263 27,263 27,263Common stock 29,833 29,825 29,810 29,466 29,463Capital surplus 68,895 68,261 67,612 67,823 67,083Retained earnings 98,793 95,585 92,305 91,150 108,616Accumulated other comprehensive loss (6,421) (7,464) (7,372) (7,711) (6,374)Total Stockholders' Equity 218,363 213,470 209,618 207,991 226,051Total Liabilities and Stockholders' Equity $ 2,124,789 $ 2,114,781 $ 2,222,845 $ 2,228,098 $ 2,224,599

* Derived from audited financial statements

UNAUDITED CONSOLIDATED STATEMENTS OF INCOME (LOSS) INFORMATION(In thousands, except share and per share data) Year-to-Date Three Months Ended September September September June 30, March 31, December September 30, 2025 30, 2024 30, 2025 2025 2025 31, 2024 30, 2024INTEREST INCOME:Interest and fees on loans $ 94,242 $ 93,852 $ 30,688 $ 32,443 $ 31,111 $ 31,323 $ 31,615Interest on investment securitiesTaxable securities 1,285 1,262 435 431 420 431 397Tax-exempt securities 800 832 270 267 263 262 294Interest on interest-bearing deposits at other financial institutions 44 27 11 10 22 15 10Interest on federal funds sold 3,342 3,523 1,060 1,135 1,147 3,088 1,275Total interest income 99,713 99,496 32,464 34,286 32,963 35,119 33,591INTEREST EXPENSE:Interest on interest-bearing demand deposits 3,123 6,049 1,071 1,004 1,048 2,612 2,117Interest on savings and NOW deposits 1,079 553 467 391 221 201 206Interest on money market deposits 14,606 15,911 4,623 4,707 5,276 5,475 5,277Interest on time deposits 25,994 27,361 8,369 8,595 9,031 10,003 9,543Interest on federal funds purchased 93 575 28 – 65 – 277Interest on Federal Home Loan Bank advances – 46 – – – – -Interest on subordinated debt 2,415 2,468 804 799 812 787 828Total interest expense 47,310 52,963 15,362 15,496 16,453 19,078 18,248Net interest income 52,403 46,533 17,102 18,790 16,510 16,041 15,343Provision for credit losses (398) 3,356 144 (543) – 3,407 2,913Net interest income after provision for credit losses 52,801 43,177 16,958 19,333 16,510 12,634 12,430NON-INTEREST INCOME:Deposit account service charges 1,625 1,516 557 538 530 481 557Bank owned life insurance income 926 885 316 308 302 304 302Gain on retirement of subordinated debt 273 – 145 68 60 – -Gain on equity securities 103 – – 103 – – -Net loss on securities called or matured – (48) – – – – -Other non-interest income 199 93 104 49 47 22 27Total non-interest income 3,126 2,446 1,122 1,066 939 807 886NON-INTEREST EXPENSES:Salaries and employee benefits 24,030 22,222 7,366 8,279 8,385 8,253 7,250Furniture and equipment expenses 2,957 2,806 799 1,141 1,016 830 931Advertising and marketing 1,582 1,599 571 530 481 600 579Occupancy expenses 1,114 1,257 400 318 396 358 407Outside services 3,088 2,458 625 1,290 1,173 1,168 845Administrative expenses 757 686 259 270 229 243 215Computer software intangible impairment – – – – – 19,721 -Other operating expenses 8,198 7,508 2,647 2,917 2,634 3,258 2,992Total non-interest expenses 41,726 38,536 12,667 14,745 14,314 34,431 13,219Income (loss) before income tax expense (benefit) 14,201 7,087 5,413 5,654 3,135 (20,990) 97Income tax expense (benefit) 2,641 900 896 1,064 682 (4,823) (168)Net income (loss) 11,560 6,187 4,517 4,590 2,453 (16,167) 265Preferred stock dividends 1,617 1,617 539 539 539 539 539Net income (loss) available to common shareholders $ 9,943 $ 4,570 $ 3,978 $ 4,051 $ 1,914 $ (16,706) $ (274)Earnings (loss) per common share, basic and diluted $ 1.29 $ 0.60 $ 0.52 $ 0.53 $ 0.25 $ (2.20) $ (0.04)Weighted average number of common shares, basic and diluted 7,682,086 7,607,431 7,704,639 7,704,677 7,636,191 7,603,318 7,601,925

UNAUDITED LOAN, DEPOSIT AND BORROWING DETAIL(In thousands) September 30, 2025 June 30, 2025 September 30, 2024 Percentage Change $ Amount % of $ Amount % of $ Amount % of Last 3 Last 12 Total Total Total Mos MosLOANS:Construction and land development loans $ 312,318 17.2 % $ 328,351 18.3 % $ 373,486 20.8 % -4.9 % -16.4 %Residential real estate loans 411,592 22.7 % 452,458 25.3 % 446,109 24.8 % -9.0 % -7.7 %Commercial real estate loans 981,091 54.2 % 911,390 50.9 % 871,280 48.4 % 7.6 % 12.6 %Commercial and industrial loans 105,217 5.8 % 97,699 5.5 % 106,249 5.9 % 7.7 % -1.0 %Consumer loans 1,204 0.1 % 1,075 0.1 % 1,977 0.1 % 12.0 % -39.1 %Total Gross Loans $ 1,811,422 100.0 % $ 1,790,973 100.0 % $ 1,799,101 100.0 % 1.1 % 0.7 %Less: Allowance for credit losses (18,831) (19,057) (18,327)Net deferred loan fees (4,348) (4,484) (5,216)Net Loans $ 1,788,243 $ 1,767,432 $ 1,775,558DEPOSITS:Non-interest bearing deposits $ 324,717 17.9 % $ 330,045 18.4 % $ 347,575 18.4 % -1.6 % -6.6 %Interest-bearing deposits:Demand deposits 123,231 6.8 % 124,090 6.9 % 197,527 10.4 % -0.7 % -37.6 %Savings and NOW deposits 125,214 6.9 % 116,069 6.5 % 61,893 3.3 % 7.9 % 102.3 %Money market deposits 458,946 25.3 % 463,904 25.8 % 451,936 23.9 % -1.1 % 1.6 %Time deposit $250,000 or more 501,332 27.7 % 490,692 27.2 % 532,201 28.0 % 2.2 % -5.8 %Time deposit less than $250,000 277,395 15.3 % 273,747 15.2 % 302,537 16.0 % 1.3 % -8.3 %Total Deposits $ 1,810,835 100.0 % $ 1,798,547 100.0 % $ 1,893,669 100.0 % 0.7 % -4.4 %BORROWINGS:Subordinated debt, net 69,837 100.0 % 71,238 100.0 % 72,940 100.0 % -2.0 % -4.3 %Total Borrowings $ 69,837 100.0 % $ 71,238 100.0 % $ 72,940 100.0 % -2.0 % -4.3 %Total Deposits and Borrowings $ 1,880,672 $ 1,869,785 $ 1,966,609 0.6 % -4.4 %Core customer funding sources (1) $ 1,289,952 68.6 % $ 1,329,804 71.1 % $ 1,471,350 74.8 % -3.0 % -12.3 %Brokered and listing service sources (2) 520,883 27.7 % 468,743 25.1 % 422,319 21.5 % 11.1 % 23.3 %Subordinated debt, net (3) 69,837 3.7 % 71,238 3.8 % 72,940 3.7 % -2.0 % -4.3 %Total Funding Sources $ 1,880,672 100.0 % $ 1,869,785 100.0 % $ 1,966,609 100.0 % 0.6 % -4.4 %

(1) Includes ICS, CDARS, and reciprocal deposits maintained by customers, which represent sweep accounts tied to customer operating accounts.(2) Consists of certificates of deposit (CD) through multiple listing services and multiple brokered deposit services, as well as ICS and CDARS one-way certificates of deposit and regional money market accounts. Excludes $114.9 million in core deposits placed in reciprocal networks for FDIC insurance coverage that will be classified as brokered deposits on the call report in pursuant to rule 12 CFR 337.6(e) as of September 30, 2025.(3) Subordinated debt obligation qualifies as Tier 2 capital at the holding company and Tier 1 capital at the Bank.

UNAUDITED AVERAGE BALANCE SHEETS, INTEREST AND RATES(In thousands) For the three months ended September For the three months ended September 30, 2025 30, 2024 Average Interest Average Average Interest Average Balance Income/ Yields/ Rate Balance Income/ Yields/ Rate Expense (3)(4) (annualized)(3)(4) Expense (3)(4) (annualized) (3)(4)ASSETS:Interest-earning assets:Loans (1)(2) $ 1,805,016 $ 30,688 6.75 % $ 1,807,882 $ 31,615 6.94 %Securities:Taxable 52,680 435 3.28 % 54,523 397 2.89 %Tax-exempt 35,260 342 3.85 % 35,881 372 4.11 %Interest-bearing deposits at other financial institutions 1,037 11 4.21 % 692 10 5.73 %Federal funds sold 99,896 1,060 4.21 % 105,949 1,275 4.77 %Total interest-earning assets $ 1,993,889 $ 32,536 6.47 % $ 2,004,927 $ 33,669 6.66 %Other assets 125,605 121,201Total assets $ 2,119,494 $ 2,126,128Liabilities and Stockholders' Equity:Interest-bearing liabilities:Interest-bearing demand deposits $ 120,112 $ 1,071 3.54 % $ 173,996 $ 2,117 4.83 %Savings and NOW deposits 119,467 467 1.55 % 61,259 206 1.33 %Money market deposits 463,948 4,623 3.95 % 445,730 5,277 4.70 %Time deposits 772,176 8,369 4.30 % 759,247 9,543 4.99 %Total interest-bearing deposits $ 1,475,703 $ 14,530 3.91 % $ 1,440,232 $ 17,143 4.72 %Federal funds purchased 2,338 28 4.75 % 19,001 277 5.78 %Subordinated debt, net 70,793 804 4.51 % 72,901 828 4.51 %Total interest-bearing liabilities $ 1,548,834 $ 15,362 3.94 % $ 1,532,134 $ 18,248 4.73 %Demand deposits and other liabilities 355,621 368,349Total liabilities $ 1,904,455 $ 1,900,483Stockholders' Equity 215,039 225,645Total Liabilities and Stockholders' Equity $ 2,119,494 $ 2,126,128Interest Rate Spread 2.53 % 1.94 %Net Interest Income $ 17,174 $ 15,421Net Interest Margin 3.42 % 3.05 %

(1) Includes loans classified as non-accrual(2) Total loan interest income includes amortization of deferred loan fees, net of deferred loan costs(3) Income and yields for all periods presented are reported on a tax-equivalent basis using the federal statutory rate of 21%(4) Refer to “Unaudited Reconciliation of Certain Non-GAAP Financial Measures” for reconciliation of non-GAAP measures

UNAUDITED AVERAGE BALANCE SHEETS, INTEREST AND RATES(In thousands) For the nine months ended September 30, For the nine months ended September 30, 2025 2024 Average Interest Average Average Interest Average Balance Income/ Yields/ Rate Balance Income/ Yields/ Rate Expense (3)(4) (annualized) (3)(4) Expense (3)(4) (annualized) (3)(4)ASSETS:Interest-earning assets:Loans (1)(2) $ 1,820,771 $ 94,242 6.92 % $ 1,773,050 $ 93,852 7.08 %Securities:Taxable 52,926 1,285 3.25 % 55,478 1,262 3.04 %Tax-exempt 35,298 1,013 3.84 % 36,670 1,053 3.84 %Interest-bearing deposits at other financial institutions 1,274 44 4.62 % 662 27 5.45 %Federal funds sold 105,674 3,342 4.23 % 93,931 3,523 5.01 %Total interest-earning assets $ 2,015,943 $ 99,926 6.63 % $ 1,959,791 $ 99,717 6.80 %Other assets 119,819 125,068Total assets $ 2,135,762 $ 2,084,859Liabilities and Stockholders' Equity:Interest-bearing liabilities:Interest-bearing demand deposits $ 113,969 $ 3,123 3.66 % $ 164,192 $ 6,049 4.93 %Savings and NOW deposits 102,349 1,079 1.41 % 51,119 553 1.45 %Money market deposit 493,366 14,606 3.96 % 447,668 15,911 4.75 %Time deposits 785,685 25,994 4.42 % 728,459 27,361 5.02 %Total interest-bearing deposits $ 1,495,369 $ 44,802 4.01 % $ 1,391,438 $ 49,874 4.79 %Federal funds purchased 2,638 93 4.71 % 13,279 575 5.79 %FHLB advances – – – 1,095 46 5.62 %Subordinated debt, net 71,670 2,415 4.51 % 72,802 2,468 4.53 %Total interest-bearing liabilities $ 1,569,677 $ 47,310 4.03 % $ 1,478,614 $ 52,963 4.79 %Demand deposits and other liabilities 354,635 382,591Total liabilities $ 1,924,312 $ 1,861,205Stockholders' Equity 211,450 223,654Total Liabilities and Stockholders' Equity $ 2,135,762 $ 2,084,859Interest Rate Spread 2.60 % 2.01 %Net Interest Income $ 52,616 $ 46,754Net Interest Margin 3.49 % 3.19 %

UNAUDITED SUMMARY FINANCIAL DATA(Dollars in thousands except share and per share data) At or For the Three At or For the Nine Months Ended Months Ended September 30, September 30, 2025 2024 2025 2024Per share Data and Shares OutstandingEarnings (loss) per common share (basic and diluted) $ 0.52 $ (0.04) $ 1.29 $ 0.60Book value per common share $ 24.81 $ 26.15 $ 24.81 $ 26.15Tangible book value per common share(2) $ 24.81 $ 23.66 $ 24.81 $ 23.66Weighted average common shares (basic and diluted) 7,704,639 7,601,925 7,682,086 7,607,431Common shares outstanding at end of period 7,703,579 7,602,783 7,703,579 7,602,783Performance RatiosReturn on average assets (annualized) 0.85 % 0.05 % 0.72 % 0.40 %Return on average equity (annualized) 8.33 % 0.47 % 7.31 % 3.70 %Return on average common equity (annualized) 8.40 % (0.55) % 7.22 % 3.11 %Yield on earning assets (FTE) (2) (annualized) 6.47 % 6.66 % 6.63 % 6.80 %Cost of interest bearing liabilities (annualized) 3.94 % 4.73 % 4.03 % 4.79 %Net interest spread (FTE)(2) (annualized) 2.53 % 1.94 % 2.60 % 2.01 %Net interest margin (FTE)(2) (annualized) 3.42 % 3.05 % 3.49 % 3.19 %Non-interest income as a percentage of average assets (annualized) 0.21 % 0.17 % 0.20 % 0.16 %Non-interest expense to average assets (annualized) 2.37 % 2.47 % 2.62 % 2.47 %Efficiency ratio(3) 69.50 % 81.45 % 75.18 % 78.68 %Allowance for Credit LossesAllowance for credit losses (ACL)Beginning balance, ACL – loans $ 19,057 $ 17,098 $ 19,450 $ 16,506Add: recoveries 75 11 831 19Less: charge-offs (235) (1,907) (857) (2,418)Add: provision for credit losses – loans (66) 3,125 (593) 4,220Ending balance, ACL – loans $ 18,831 $ 18,327 $ 18,831 $ 18,327Beginning balance, reserve for unfunded commitment (RUC) $ 272 $ 357 $ 287 $ 1,009Provision for unfunded commitments, net 210 (212) 195 (864)Ending balance, RUC $ 482 $ 145 $ 482 $ 145Total allowance for credit losses $ 19,313 $ 18,472 $ 19,313 $ 18,472Allowance for credit losses on loans to total gross loans 1.04 % 1.02 % 1.04 % 1.02 %Allowance for credit losses on loans to non-performing loans 80.52 % 64.84 % 80.52 % 64.84 %Net charge-offs to average gross loans (annualized) 0.04 % 0.42 % NM 0.18 %Concentration RatiosCommercial real estate loans to total capital(4) 356.02 % 360.26 % 356.02 % 360.26 %Construction loans to total capital (5) 102.61 % 118.15 % 102.61 % 118.15 %Past due and Non-performing AssetsLoans 30-89 days past due and accruing to total gross loans 1.40 % 0.61 % 1.40 % 0.61 %Loans 90 days past due and accruing to total gross loans 0.00 % 0.00 % 0.00 % 0.00 %Non-accrual loans to total gross loans 1.29 % 1.57 % 1.29 % 1.57 %Other real estate owned $ – $ – $ – $ -Non-performing loans $ 23,386 $ 28,264 $ 23,386 $ 28,264Non-performing assets to total assets 1.10 % 1.27 % 1.10 % 1.27 %Regulatory Capital Ratios (Bank only) (1)Total risk-based capital ratio 16.18 % 16.96 % 16.18 % 16.96 %Tier 1 risk-based capital ratio 15.16 % 15.97 % 15.16 % 15.97 %Leverage ratio 13.42 % 13.98 % 13.42 % 13.98 %Common equity tier 1 ratio 15.16 % 15.97 % 15.16 % 15.97 %Other informationCommon shares closing stock price $ 20.83 $ 18.45 $ 20.83 $ 18.45Tangible equity / tangible assets(2) 10.28 % 9.39 % 10.28 % 9.39 %Average tangible equity / average tangible assets (2) 10.15 % 9.86 % 9.90 % 10.02 %Number of full time equivalent employees 174 201 174 201Number of full service branch offices 6 6 6 6

(1) Regulatory capital ratios as of September 30, 2025 are preliminary(2) Refer to “Unaudited Reconciliation of Certain Non-GAAP Financial Measures” for reconciliation of non-GAAP measures(3) Efficiency ratio is calculated as non-interest expense as a percentage of net interest income and non-interest income(4) Commercial real estate includes only non-owner occupied, multifamily, and construction loans as a percentage of Bank capital(5) Construction loans as a percentage of Bank capital

Unaudited Reconciliation of Certain Non-GAAP Financial Measures(Dollars In thousands) For the three months ended For the nine months ended September 30, September 30, 2025 2024 2025 2024Core net interest margin (FTE)Net interest income (GAAP) $ 17,102 $ 15,343 $ 52,403 $ 46,533FTE adjustment on tax-exempt securities 72 78 213 221Net interest income (FTE) (non-GAAP) 17,174 15,421 52,616 46,754Nonrecurring interest income adjustment from nonaccrual loans. 595 984 827 1,848Core net interest income (FTE) (non-GAAP) 17,769 16,405 53,443 48,602Average interest earning assets 1,993,889 2,004,927 2,015,943 1,959,791Net interest margin (GAAP) 3.40 % 3.06 % 3.48 % 3.17 %Net interest margin (FTE) (non-GAAP) 3.42 % 3.05 % 3.49 % 3.19 %Core net interest margin (FTE) (non-GAAP) 3.54 % 3.25 % 3.54 % 3.32 % For the three months ended For the nine months ended September 30, September 30, 2025 2024 2025 2024Yield on earning assets (FTE)Total interest income (GAAP) $ 32,464 $ 33,591 $ 99,713 $ 99,496FTE adjustment on tax-exempt securities 72 78 213 221Total interest income (FTE) (non-GAAP) 32,536 33,669 99,926 99,717Average interest earning assets 1,993,889 2,004,927 2,015,943 1,959,791Yield on earning assets (GAAP) 6.46 % 6.65 % 6.61 % 6.79 %Yield on earning assets (FTE) (non-GAAP) 6.47 % 6.66 % 6.63 % 6.80 % For the three months ended For the nine months ended September 30, September 30, 2025 2024 2025 2024Net interest spread (FTE)Yield on earning assets (GAAP) 6.46 % 6.65 % 6.61 % 6.79 %Yield on earning assets (FTE) (non-GAAP) 6.47 % 6.66 % 6.63 % 6.80 %Yield on interest-bearing liabilities (GAAP) 3.94 % 4.73 % 4.03 % 4.79 %Net interest spread (GAAP) 2.52 % 1.92 % 2.58 % 2.00 %Net interest spread (FTE) (non-GAAP) 2.53 % 1.94 % 2.60 % 2.01 % As of September 30, As of September 30, 2025 2024 2025 2024Tangible common stockholders' equityTotal stockholders equity (GAAP) $ 218,363 $ 226,051 $ 218,363 $ 226,051Less: intangible assets – (18,881) – (18,881)Tangible stockholders' equity (non-GAAP) 218,363 207,170 $ 218,363 207,170Less: preferred stock (27,263) (27,263) (27,263) (27,263)Tangible common stockholders' equity (non-GAAP) 191,100 179,907 191,100 179,907Common shares outstanding 7,703,579 7,602,783 7,703,579 7,602,783Tangible book value per common share (non-GAAP) $ 24.81 $ 23.66 $ 24.81 $ 23.66 As of September 30, As of September 30, 2025 2024 2025 2024Stockholders equity, adjustedTotal stockholders equity (GAAP) $ 218,363 $ 226,051 $ 218,363 $ 226,051Less: intangible assets – (18,881) – (18,881)Total tangible stockholders equity (non-GAAP) 218,363 207,170 218,363 207,170 As of September 30, As of September 30, 2025 2024 2025 2024Total tangible assetsTotal assets (GAAP) $ 2,124,789 $ 2,224,599 $ 2,124,789 $ 2,224,599Less: intangible assets – (18,881) – (18,881)Total tangible assets (non-GAAP) 2,124,789 2,205,718 2,124,789 2,205,718 For the three months ended For the nine months ended September 30, September 30, 2025 2024 2025 2024Average tangible stockholders' equityTotal average stockholders' equity (GAAP) $ 215,039 $ 225,645 $ 211,450 $ 223,654Less: average intangible assets – (17,738) – (16,405)Total average tangible stockholders' equity (non-GAAP) 215,039 207,907 211,450 207,249 For the three months ended For the nine months ended September 30, September 30, 2025 2024 2025 2024Average tangible assetsTotal average assets (GAAP) $ 2,119,494 $ 2,126,128 $ 2,135,762 $ 2,084,859Less: average intangible assets – (17,738) – (16,405)Total average tangible assets (non-GAAP) 2,119,494 2,108,390 2,135,762 2,068,454

Contact: BillyFreesmeierChief of Staff(703) 481-4579

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