MSVBMid-Southern Bancorp, Inc.

About Mid-Southern Bancorp, Inc. (MSVB)

Mid-Southern Bancorp, Inc. (MSVB) is a Banks - Regional company headquartered in Salem, IN, United States whose shares trade over-the-counter on the Pink tier.

Mid-Southern Bancorp, Inc., an Indiana corporation, is the savings and loan holding company of Mid-Southern Savings Bank, FSB (the "Bank" or "Mid-Southern Savings Bank"). On July 11, 2018, Mid-Southern Bancorp, Inc. completed a public offering and share exchange as part of the Bank's "second step" conversion from the mutual holding company structure and the elimination of Mid-Southern, M.H.C. (the "Conversion"). Upon consummation of the Conversion, the Company became the holding company for the Bank and now owns all of the issued and outstanding shares of the Bank's common stock. Our business activities are primarily conducted through Mid-Southern Savings Bank, a federally chartered savings bank headquartered in Salem, Indiana, which is located in Southern Indiana approximately 40 miles northwest of Louisville, Kentucky. Mid-Southern Savings Bank conducts business from its main office in Salem and through its branch offices located in Mitchell and Orleans, Indiana and loan production offices located in New Albany, Indiana and Louisville, Kentucky. Mid-Southern Savings Bank's market area includes the Louisville-Jefferson County Metropolitan Statistical Area ("MSA" consisting of Clark, Floyd, Harrison, and Washington counties in Indiana and Bullitt, Henry, Jefferson, Meade, Nelson, Oldham, Shelby, Spencer and Trimble counties in Kentucky) plus Lawrence and Orange counties in Indiana, and, to a lesser extent, contiguous counties.

Products and services

Mid-Southern Savings Bank’s principal business consists of originating one-to-four family residential real estate mortgage loans, including home equity lines of credit, commercial and multi-family real estate, and construction loans. We also offer commercial business and other consumer loans. We offer a variety of retail deposits to the general public in the areas surrounding our main office and our branch offices with interest rates that are competitive with those of similar products offered by other financial institutions in our market area. Our revenues are derived primarily from interest on loans and, to a lesser extent, interest on investment securities and mortgage-backed securities.

MSVB key facts

Ticker symbol

MSVB

Market tier

Pink

Sector

Financial Services

Industry

Banks - Regional

Headquarters

Salem, IN, United States

Country of incorporation

US

Year of incorporation

2018

Employees

47

Estimated market cap

$44.58M (as of May 7, 2025)

Shares outstanding

2,802,071

Reporting standard

U.S. Reporting: Bank/Thrift

Audit status

Audited

Fiscal year end

12/31

Latest filing

Quarterly Report (Mar 31, 2025)

Mid-Southern Bancorp, Inc. leadership

• Alexander G. Babey — CEO, President
• Robert W. DeRossett — CFO, Chief Accounting Officer
• Erica B. Schmidt — Company Secretary

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