MNSB FINANCIAL STATEMENTS

Mainstreet Bank — balance sheet, income statement and cash flow trends

MNSBMainstreet Bank

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue133.2 M $-3.8%

Gross Profit74.1 M $+24.0%

Operating Income21.3 M $—

EBITDA26.1 M $—

Net Income17.3 M $—

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
MNSB	—	—	—	13.0%
ISATR	—	—	—	28.1%
ISBTR	—	—	—	28.1%
ICBCT	—	—	—	24.7%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity215 M $10%
Current Liabilities1.9 B $86%
Long-term Liabilities93.6 M $4%

Key Figures

YoY change

Total Assets2.2 B $+0.0%

Total Liabilities2 B $-0.2%

Total Equity215 M $+2.6%

Cash & ST Investments245.9 M $+5.1%

Total Debt70 M $-2.9%

Net Debt-98.1 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
MNSB	0.14	32.6%	-6.73	9.7%
ISATR	—	0.0%	-28.34	8.5%
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
MNSB	0.14	32.6%	-6.73	9.7%
BCBP	0.12	91.0%	-17.04	9.4%
NKSH	0.07	1.0%	-4.46	10.2%
VABK	0.02	15.8%	0.25	11.3%
LCNB	1.20	40.2%	3.10	12.3%
ATLO	53.78	26.5%	-23.31	9.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow20 M $+59.1%

Capital Expenditures4.2 M $+0.4%

Free Cash Flow15.7 M $+88.7%

Dividends Paid-5.2 M $-200.2%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
MNSB	15.0%	11.8%	3.2%	115.7%
ISATR	28.1%	-3.3%	31.4%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
MNSB	15.0%	11.8%	3.2%	115.7%
BCBP	22.2%	21.5%	0.6%	5,147.4%
NKSH	21.6%	22.0%	3.1%	106.0%
VABK	31.9%	31.6%	1.1%	132.2%
LCNB	28.4%	27.4%	1.0%	153.7%
ATLO	22.7%	22.5%	1.0%	104.8%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.