Earnings release
Page 1
Exhibit 99.1 PRESS RELEASE Contact: Billy Freesmeier October 26, 2026 8:00 AM ET Chief of Staff (703) 481-4579 MainStreet Bancshares, Inc. Reports Third Quarter 2026 Results Relationship banking drives growth in net interest income Fairfax, VA., October 26, 2026 – MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported net income of $3.6 million for the quarter-ended September 30, 2026, resulting in earnings per common share of $0.43. The net interest margin was 3.55% for the quarter, up two basis points from the previous quarter. Net interest income increased to $18.8 million for the quarter, marking the fourth consecutive quarterly increase. During the quarter the Bank exercised targeted credit remediation by adding a $1.9 million provision for credit losses, an impact on earnings per common share of ($0.21). The Company and Bank remain well-capitalized with strong liquidity. "No sector is entirely immune to broader economic realignments, and we are managing through commercial real estate adjustments with eyes wide open," said Jeff W. Dick, Chairman and CEO of MainStreet Bancshares, Inc. and MainStreet Bank. Chris Johnston, Chief Credit Officer of MainStreet Bank added, "resolving credit challenges in a transitioning commercial real estate environment requires active engagement and patience. We are methodically working through nonperforming assets and prioritizing long-term portfolio quality over short-term expediency. Management continues to actively stress-test the credit portfolio, engage with borrowers, and enforce strong recourse structures." "A stabilizing D.C. market reinforces the value of our core relationship banking model," added Abdul Hersiburane, President of MainStreet Bank. "As local economic conditions improve, we remain focused on deploying capital prudently, working with well- capitalized borrowers, supporting sound commercial developments, and converting market transition into long-term shareholder value." About MainStreet Bank: MainStreet operates seven branches in Herndon, Fairfax, McLean, Leesburg, Middleburg, 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 customers' 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.
Page 2
UNAUDITED CONSOLIDATED BALANCE SHEET INFORMATION (In thousands) September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025* September 30, 2025 ASSETS Cash and due from banks $ 28,203 $ 30,125 $ 33,044 $ 25,179 $ 23,940 Interest-bearing deposits at other financial institutions 688 751 783 1,276 1,315 Federal funds sold 69,510 78,405 134,288 136,301 102,039 Total cash and cash equivalents 98,401 109,281 168,115 162,756 127,294 Investment securities available for sale (AFS), at fair value 53,066 57,114 57,021 57,954 58,338 Investment securities held to maturity (HTM), at amortized cost, net of allowance for credit losses of $0 for all periods 13,303 13,785 13,790 13,798 14,293 Restricted securities, at amortized cost 6,998 6,998 6,998 7,005 7,005 Loans, net of allowance for credit losses of $19,946, $19,306, $19,049, $19,308, and $18,831, respectively 1,931,107 1,928,372 1,850,961 1,841,833 1,788,243 Premises and equipment, net 13,002 13,192 13,430 13,608 13,212 Other real estate owned, net 1,799 900 1,094 1,697 — Property held for sale, at fair value 2,763 2,760 2,745 2,728 3,225 Accrued interest and other receivables 17,255 14,575 13,453 14,518 13,622 Bank owned life insurance 41,726 41,396 41,071 40,752 40,433 Other assets 55,440 54,712 54,615 56,020 59,124 Total Assets $ 2,234,860 $ 2,243,085 $ 2,223,293 $ 2,212,669 $ 2,124,789 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities: Non-interest bearing deposits $ 343,769 $ 363,883 $ 359,113 $ 378,694 $ 324,717 Interest-bearing demand deposits 101,584 114,087 120,700 119,407 123,231 Savings and NOW deposits 146,990 144,783 138,667 121,905 125,214 Money market deposits 542,766 542,687 545,804 499,334 458,946 Time deposits 788,891 768,865 750,441 779,844 778,727 Total deposits 1,924,000 1,934,305 1,914,725 1,899,184 1,810,835 Subordinated debt, net 70,156 70,100 70,035 69,936 69,837 Other liabilities 25,832 24,244 23,549 24,958 25,754 Total Liabilities 2,019,988 2,028,649 2,008,309 1,994,078 1,906,426 Stockholders’ Equity: Preferred stock 27,263 27,263 27,263 27,263 27,263 Common stock 27,446 27,431 28,247 29,008 29,833 Capital surplus 58,143 57,484 61,045 66,531 68,895 Retained earnings 110,129 107,777 104,360 101,557 98,793 Accumulated other comprehensive loss (8,109) (5,519) (5,931) (5,768) (6,421) Total Stockholders’ Equity 214,872 214,436 214,984 218,591 218,363 Total Liabilities and Stockholders’ Equity $ 2,234,860 $ 2,243,085 $ 2,223,293 $ 2,212,669 $ 2,124,789 *Derived from audited financial statements
Page 3
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME INFORMATION (In thousands, except share and per share data) Year-to-Date Three Months Ended September 30, 2026 September 30, 2025 September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 INTEREST INCOME: Interest and fees on loans $ 92,103 $ 94,242 $ 31,847 $ 30,738 $ 29,518 $ 29,969 $ 30,688 Interest on investment securities Taxable securities 1,281 1,285 440 423 418 421 435 Tax-exempt securities 866 800 290 289 287 276 270 Interest on interest-bearing deposits at other financial institutions 31 44 11 10 10 10 11 Interest on federal funds sold 2,232 3,342 617 630 985 1,198 1,060 Total interest income 96,513 99,713 33,205 32,090 31,218 31,874 32,464 INTEREST EXPENSE: Interest on interest-bearing demand deposits 2,575 3,123 823 862 890 1,064 1,071 Interest on savings and NOW deposits 1,263 1,079 453 421 389 390 467 Interest on money market deposits 13,089 14,606 4,611 4,487 3,991 4,246 4,623 Interest on time deposits 22,306 25,994 7,498 7,158 7,650 8,244 8,369 Interest on federal funds purchased 198 93 89 84 25 — 28 Interest on subordinated debt 2,580 2,415 955 846 779 788 804 Total interest expense 42,011 47,310 14,429 13,858 13,724 14,732 15,362 Net interest income 54,502 52,403 18,776 18,232 17,494 17,142 17,102 Provision for credit losses 2,383 (398) 1,929 585 (131) 328 144 Net interest income after provision for credit losses 52,119 52,801 16,847 17,647 17,625 16,814 16,958 NON-INTEREST INCOME: Deposit account service charges 1,667 1,625 542 552 573 559 557 Bank owned life insurance income 974 926 330 325 319 319 316 Gain on retirement of subordinated debt — 273 — — — — 145 Gain on equity securities — 103 — — — — — Loss on sale of other real estate owned (1,007) — (322) — (685) — — Other non-interest income 338 199 121 17 200 22 104 Total non-interest income 1,972 3,126 671 894 407 900 1,122 NON-INTEREST EXPENSES: Salaries and employee benefits 22,692 24,030 7,636 7,505 7,551 7,557 7,366 Furniture and equipment expenses 2,202 2,957 676 768 758 884 799 Advertising and marketing 1,043 1,582 368 379 296 469 571 Occupancy expenses 941 1,114 324 252 365 293 400 Outside services 1,323 3,088 418 445 460 688 625 Administrative expenses 658 757 210 207 241 238 259 Other real estate owned expenses 432 — 188 24 220 — — Other operating expenses 8,776 8,198 3,057 2,936 2,783 2,696 2,647 Total non-interest expenses 38,067 41,726 12,877 12,516 12,674 12,825 12,667 Income before income tax expense 16,024 14,201 4,641 6,025 5,358 4,889 5,413 Income tax expense 3,653 2,641 1,038 1,357 1,258 836 896 Net income 12,371 11,560 3,603 4,668 4,100 4,053 4,517 Preferred stock dividends 1,617 1,617 539 539 539 539 539 Net income available to common shareholders $ 10,754 $ 9,943 $ 3,064 $ 4,129 $ 3,561 $ 3,514 $ 3,978 Earnings per common share, basic and diluted $ 1.48 $ 1.29 $ 0.43 $ 0.58 $ 0.48 $ 0.46 $ 0.52 Weighted average number of common shares, basic and diluted 7,258,990 7,682,086 7,119,406 7,177,264 7,484,310 7,564,723 7,704,639
Page 4
UNAUDITED LOAN, DEPOSIT AND BORROWING DETAIL (In thousands) September 30, 2026 June 30, 2026 September 30, 2025 Percentage Change $ Amount % of Total $ Amount % of Total $ Amount % of Total Last 3 Mos Last 12 Mos LOANS: Construction and land development loans $ 310,375 15.9% $ 312,885 16.0% $ 312,318 17.2% -0.8% -0.6% Residential real estate loans 475,834 24.3% 465,373 23.8% 411,592 22.7% 2.2% 15.6% Commercial real estate loans 1,074,384 55.0% 1,071,008 54.9% 981,091 54.2% 0.3% 9.5% Commercial and industrial loans 93,841 4.8% 101,433 5.2% 105,217 5.8% -7.5% -10.8% Consumer loans 689 0.0% 1,278 0.1% 1,204 0.1% -46.1% -42.8% Total Gross Loans $1,955,123 100.0% $1,951,977 100.0% $1,811,422 100.0% 0.2% 7.9% Less: Allowance for credit losses (19,946) (19,306) (18,831) Net deferred loan fees (4,070) (4,299) (4,348) Net Loans $1,931,107 $1,928,372 $1,788,243 DEPOSITS: Non-interest bearing deposits $ 343,769 17.9% $ 363,883 18.8% $ 324,717 17.9% -5.5% 5.9% Interest-bearing deposits: Demand deposits 101,584 5.3% 114,087 5.9% 123,231 6.8% -11.0% -17.6% Savings and NOW deposits 146,990 7.6% 144,783 7.5% 125,214 6.9% 1.5% 17.4% Money market deposits 542,766 28.2% 542,687 28.1% 458,946 25.3% 0.0% 18.3% Time deposit $250,000 or more 518,591 27.0% 512,878 26.5% 501,332 27.7% 1.1% 3.4% Time deposit less than $250,000 270,300 14.0% 255,987 13.2% 277,395 15.3% 5.6% -2.6% Total Deposits $1,924,000 100.0% $1,934,305 100.0% $1,810,835 100.0% -0.5% 6.2% BORROWINGS: Subordinated debt, net $ 70,156 100.0% $ 70,100 100.0% $ 69,837 100.0% 0.1% 0.5% Total Borrowings $ 70,156 100.0% $ 70,100 100.0% $ 69,837 100.0% 0.1% 0.5% Total Deposits and Borrowings $1,994,156 $2,004,405 $1,880,672 -0.5% 6.0% Core customer funding sources (1) $1,574,793 79.0% $1,391,834 69.4% $1,289,952 68.6% 13.1% 22.1% Brokered and listing service sources (2) 349,207 17.5% 542,471 27.1% 520,883 27.7% -35.6% -33.0% Subordinated debt, net (3) 70,156 3.5% 70,100 3.5% 69,837 3.7% 0.1% 0.5% Total Funding Sources $1,994,156 100.0% $2,004,405 100.0% $1,880,672 100.0% -0.5% 6.0% (1) Includes ICS, CDARS, custodial, 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. (3) Subordinated debt obligation qualifies as Tier 2 capital at the holding company and Tier 1 capital at the Bank.
Page 5
UNAUDITED AVERAGE BALANCE SHEETS, INTEREST AND RATES (In thousands) For the three months ended September 30, 2026 For the three months ended September 30, 2025 Average Balance Interest Income/ Expense (3) (4) Average Yields/ Rate (annualized) (3)(4) Average Balance Interest Income/ Expense (3) (4) Average Yields/ Rate (annualized) (3)(4) ASSETS: Interest-earning assets: Loans (1)(2) $ 1,950,625 $ 31,847 6.48% $ 1,805,016 $ 30,688 6.75% Securities: Taxable 48,879 440 3.57% 52,680 435 3.28% Tax-exempt 35,777 367 4.07% 35,260 342 3.85% Interest-bearing deposits at other financial institutions 1,195 11 3.65% 1,037 11 4.21% Federal funds sold 69,978 617 3.50% 99,896 1,060 4.21% Total interest-earning assets $ 2,106,454 $ 33,282 6.27% $ 1,993,889 $ 32,536 6.47% Other assets 135,102 125,605 Total assets $ 2,241,556 $ 2,119,494 Liabilities and Stockholders’ Equity: Interest-bearing liabilities: Interest-bearing demand deposits $ 112,106 $ 823 2.91% $ 120,112 $ 1,071 3.54% Savings and NOW deposits 145,304 453 1.24% 119,467 467 1.55% Money market deposits 547,680 4,611 3.34% 463,948 4,623 3.95% Time deposits 769,958 7,498 3.86% 772,176 8,369 4.30% Total interest-bearing deposits $ 1,575,048 $ 13,385 3.37% $ 1,475,703 $ 14,530 3.91% Federal funds purchased 8,641 89 4.09% 2,338 28 4.75% Subordinated debt, net 70,137 955 5.40% 70,793 804 4.51% Total interest-bearing liabilities $ 1,653,826 $ 14,429 3.46% $ 1,548,834 $ 15,362 3.94% Demand deposits and other liabilities 371,115 355,621 Total liabilities $ 2,024,941 $ 1,904,455 Stockholders’ Equity 216,615 215,039 Total Liabilities and Stockholders’ Equity $ 2,241,556 $ 2,119,494 Interest Rate Spread 2.81% 2.53% Net Interest Income $ 18,853 $ 17,174 Net Interest Margin 3.55% 3.42% (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
Page 6
UNAUDITED AVERAGE BALANCE SHEETS, INTEREST AND RATES (In thousands) For the nine months ended September 30, 2026 For the nine months ended September 30, 2025 Average Balance Interest Income/ Expense (3) (4) Average Yields/ Rate (annualized) (3)(4) Average Balance Interest Income/ Expense (3) (4) Average Yields/ Rate (annualized) (3)(4) ASSETS: Interest-earning assets: Loans (1)(2) $ 1,911,558 $ 92,103 6.44% $ 1,820,771 $ 94,242 6.92% Securities: Taxable 49,277 1,281 3.48% 52,926 1,285 3.25% Tax-exempt 36,020 1,096 4.07% 35,298 1,013 3.84% Interest-bearing deposits at other financial institutions 1,151 31 3.60% 1,274 44 4.62% Federal funds sold 81,694 2,232 3.65% 105,674 3,342 4.23% Total interest-earning assets $ 2,079,700 $ 96,743 6.22% $ 2,015,943 $ 99,926 6.63% Other assets 130,059 119,819 Total assets $ 2,209,759 $ 2,135,762 Liabilities and Stockholders’ Equity: Interest-bearing liabilities: Interest-bearing demand deposits $ 115,246 $ 2,575 2.99% $ 113,969 $ 3,123 3.66% Savings and NOW deposits 140,508 1,263 1.20% 102,349 1,079 1.41% Money market deposit 526,294 13,089 3.33% 493,366 14,606 3.96% Time deposits 761,752 22,306 3.92% 785,685 25,994 4.42% Total interest-bearing deposits $ 1,543,800 $ 39,233 3.40% $ 1,495,369 $ 44,802 4.01% Federal funds purchased 6,612 198 4.00% 2,638 93 4.71% Subordinated debt, net 70,073 2,580 4.92% 71,670 2,415 4.51% Total interest-bearing liabilities $ 1,620,485 $ 42,011 3.47% $ 1,569,677 $ 47,310 4.03% Demand deposits and other liabilities 373,183 354,635 Total liabilities $ 1,993,668 $ 1,924,312 Stockholders’ Equity 216,091 211,450 Total Liabilities and Stockholders’ Equity $ 2,209,759 $ 2,135,762 Interest Rate Spread 2.75% 2.60% Net Interest Income $ 54,732 $ 52,616 Net Interest Margin 3.52% 3.49% (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
Page 7
UNAUDITED SUMMARY FINANCIAL DATA (Dollars in thousands except per share data) At or For the Three Months Ended At or For the Nine Months Ended September 30, 2026 September 30, 2025 September 30, 2026 September 30, 2025 Per share Data and Shares Outstanding Earnings per common share (basic and diluted) $ 0.43 $ 0.52 $ 1.48 $ 1.29 Book value per common share $ 26.36 $ 24.81 $ 26.36 $ 24.81 Weighted average common shares (basic and diluted) 7,119,406 7,704,639 7,258,990 7,682,086 Common shares outstanding at end of period 7,115,994 7,703,579 7,115,994 7,703,579 Performance Ratios Return on average assets (annualized) 0.64% 0.85% 0.75% 0.72% Return on average equity (annualized) 6.60% 8.33% 7.65% 7.31% Return on average common equity (annualized) 6.42% 8.40% 7.61% 7.22% Yield on earning assets (FTE)(2) (annualized) 6.27% 6.47% 6.22% 6.63% Cost of interest-bearing liabilities (annualized) 3.46% 3.94% 3.47% 4.03% Net interest spread (FTE)(2) (annualized) 2.81% 2.53% 2.75% 2.60% Net interest margin (FTE)(2) (annualized) 3.55% 3.42% 3.52% 3.49% Non-interest income as a percentage of average assets (annualized) 0.12% 0.21% 0.12% 0.20% Non-interest expense to average assets (annualized) 2.28% 2.37% 2.30% 2.61% Efficiency ratio(3) 66.22% 69.51% 67.41% 75.14% Allowance for Credit Losses Allowance for credit losses (ACL) Beginning balance, ACL - loans $ 19,306 $ 19,057 $ 19,308 $ 19,450 Add: recoveries 140 75 176 831 Less: charge-offs (1,823) (235) (2,104) (857) Add: provision for credit losses - loans 2,323 (66) 2,566 (593) Ending balance, ACL - loans $ 19,946 $ 18,831 $ 19,946 $ 18,831 Beginning balance, reserve for unfunded commitment (RUC) $ 546 $ 272 $ 335 $ 287 Provision for unfunded commitments, net (394) 210 (183) 195 Ending balance, RUC $ 152 $ 482 $ 152 $ 482 Total allowance for credit losses $ 20,098 $ 19,313 $ 20,098 $ 19,313 Allowance for credit losses on loans to total gross loans 1.02% 1.04% 1.02% 1.04% Allowance for credit losses on loans to non-performing loans 21.68% 80.52% 21.68% 80.52% Net charge-offs to average gross loans (annualized) 0.34% 0.04% 0.13% 0.00% Concentration Ratios Commercial real estate loans to total capital (4) 374.44% 356.02% 374.44% 356.02% Construction loans to total capital (5) 102.02% 102.61% 102.02% 102.61% Past due and Non-performing Assets Loans 30-89 days past due and accruing to total gross loans 3.20% 1.40% 3.20% 1.40% 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 4.71% 1.29% 4.71% 1.29% Other real estate owned, net $ 1,799 $ — $ 1,799 $ — Non-performing loans $ 91,996 $ 23,386 $ 91,996 $ 23,386 Non-performing assets to total assets 4.20% 1.10% 4.20% 1.10% Regulatory Capital Ratios (Bank only) (1) Total risk-based capital ratio 15.21% 16.18% 15.21% 16.18% Tier 1 risk-based capital ratio 14.21% 15.16% 14.21% 15.16% Leverage ratio 12.66% 13.42% 12.66% 13.42% Common equity tier 1 ratio 14.21% 15.16% 14.21% 15.16% Other information Common shares closing stock price $ 24.74 $ 20.83 $ 24.74 $ 20.83 Total equity / total assets 9.61% 10.28% 9.61% 10.28% Average equity / average assets 9.66% 10.15% 9.78% 9.90% Number of full time equivalent employees 164 174 164 174 Number of full service branch offices 7 6 7 6 (1) Regulatory capital ratios as of September 30, 2026 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
Page 8
(5) Construction loans as a percentage of Bank capital
Page 9
In addition to financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”), the Company uses certain non-GAAP financial measures that provide useful information for financial and operational decision making, evaluating trends, and comparing financial results to other financial institutions. Non-GAAP financial measures are supplemental and not a substitute for, or more important than, financial measures prepared in accordance with GAAP and may not be comparable to those reported by other financial institutions. The non-GAAP financial measures presented in this document include the net interest margin, the yield on earning assets, and the net interest spread. The following tables present calculations underlying non-GAAP financial measures for the three and nine month periods indicated. Unaudited Reconciliation of Certain Non-GAAP Financial Measures (Dollars In thousands) For the three months ended September 30, For the nine months ended September 30, 2026 2025 2026 2025 Net interest margin (FTE) Net interest income (GAAP) $ 18,776 $ 17,102 $ 54,502 $ 52,403 FTE adjustment on tax-exempt securities 77 72 230 213 Net interest income (FTE) (non-GAAP) 18,853 17,174 54,732 52,616 Average interest-earning assets 2,106,454 1,993,889 2,079,700 2,015,943 Net interest margin (GAAP) 3.54% 3.40% 3.50% 3.48% Net interest margin (FTE) (non-GAAP) 3.55% 3.42% 3.52% 3.49% For the three months ended September 30, For the nine months ended September 30, 2026 2025 2026 2025 Yield on earning assets (FTE) Total interest income (GAAP) $ 33,205 $ 32,464 $ 96,513 $ 99,713 FTE adjustment on tax-exempt securities 77 72 230 213 Total interest income (FTE) (non-GAAP) 33,282 32,536 96,743 99,926 Average interest-earning assets 2,106,454 1,993,889 2,079,700 2,015,943 Yield on earning assets (GAAP) 6.25% 6.46% 6.20% 6.61% Yield on earning assets (FTE) (non-GAAP) 6.27% 6.47% 6.22% 6.63% For the three months ended September 30, For the nine months ended September 30, 2026 2025 2026 2025 Net interest spread (FTE) Yield on earning assets (GAAP) 6.25% 6.46% 6.20% 6.61% Yield on earning assets (FTE) (non-GAAP) 6.27% 6.47% 6.22% 6.63% Yield on interest-bearing liabilities (GAAP) 3.46% 3.94% 3.47% 4.03% Net interest spread (GAAP) 2.79% 2.52% 2.73% 2.58% Net interest spread (FTE) (non-GAAP) 2.81% 2.53% 2.75% 2.60%