MainStreet Bancshares (MNSB) Registration filing summary

Company overview and business model

• Operates as a financial holding company with 100% ownership of a community commercial bank and a community capital subsidiary, serving Northern Virginia and the greater Washington, D.C. area.

• Focuses on retail, small to medium-sized business, and professional clients, offering a full suite of banking products and technology-driven services.

• Competes with larger institutions by combining advanced technology with personalized local service and decision-making.

• Approved to list common stock and depositary shares on the Nasdaq Capital Market under symbols "MNSB" and "MNSBP."

Financial performance and metrics

• As of May 13, 2026, 6,369,745 shares of common stock held by non-affiliates, with an aggregate market value of $142,937,075 based on a $22.44 per share closing price.

• Registration statement covers up to $125,000,000 in securities, including common stock, preferred stock, depositary shares, debt securities, warrants, and units.

Use of proceeds and capital allocation

• Net proceeds intended for general corporate purposes, including capital contributions to the bank, debt repayment, acquisitions, and investments in permitted activities.

• May temporarily invest unused funds in investment securities or use them to make payments on borrowings.