MSVB
Mid-Southern Bancorp, Inc.

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.