M
MainStreet Bancshares, Inc.
Period
FY 2025
Revenue
$2.18M
Net Income
$15.61M
Total Assets
$2.21B
Equity
$218.59M
Shares Out
7.12M
Op. Cash Flow
$14.81M
Business
MainStreet Bancshares, Inc. is a financial holding company that owns MainStreet Bank, a Virginia-chartered community commercial bank serving Northern Virginia and the greater Washington, D.C. metropolitan area. The Bank offers a diversified portfolio of commercial and real estate loans, consumer installment loans, and deposit products to retail customers, small to medium-sized businesses, and professionals. The Company operates through MainStreet Bank (seven branches plus one in Washington D.C.) and MainStreet Community Capital, LLC, a community development entity focused on investing in low-income communities through New Market Tax Credits.
Summary from 10-K filed 2026-03-13
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | 124 | 125 | 116 | 79 | 62 | |
| U.S. government agencies and corporations | 134,000 | 151,000 | 0 | 37,000 | 62,000 | |
| Mortgage-backed securities | 341,000 | 374,000 | 395,000 | 438,000 | 350,000 | |
| Other | 985,000 | 912,000 | 1 | 874,000 | 643,000 | |
| Interest on interest-bearing deposits at other financial institutions | 54,000 | 41,000 | 61,000 | — | — | |
| Interest on federal funds sold | 5 | 7 | 5 | 2 | 134,000 | |
| Total Interest Income | 132 | 135 | 124 | 84 | 64 | |
| Interest on interest-bearing demand deposits | 4 | 9 | 2 | 494,000 | 229,000 | |
| Interest on savings and NOW deposits | 1 | 754,000 | 546,000 | 203,000 | 165,000 | |
| Interest on money market deposits | 19 | 21 | 14 | 1 | 772,000 | |
| Interest on time deposits | 34 | 37 | 27 | 8 | 8 | |
| Interest on federal funds purchased | 93,000 | 575,000 | 299,000 | 0 | — | |
| Interest on Federal Home Loan Bank advances | 0 | 46,000 | 1 | 347,000 | 0 | |
| Interest on subordinated debt | 3 | 3 | 3 | 3 | 2 | |
| Total Interest Expense | 62 | 72 | 48 | 13 | — | |
| Net Interest Income | 70 | 63 | 77 | 71 | 54 | |
| Provision For Credit Losses - Loans | −118,000 | 7 | 2 | — | — | |
| Provision For Credit Losses - Off-Balance Sheet Credit Exposure | 48,000 | −722,000 | −301,000 | 0 | — | |
| Net Interest Income After Provision For Credit Losses | 70 | 56 | 75 | 68 | 55 | |
| Deposit account service charges | 2 | 2 | 2 | 2 | 2 | |
| Bank owned life insurance income | 1 | 1 | 1 | 1 | 900,000 | |
| Gain on retirement of subordinated debt | 273,000 | 0 | 0 | — | — | |
| Net loss on securities called or matured | 0 | −48,000 | 0 | 4,000 | 6,000 | |
| Gain on equity securities | 103,000 | 0 | 0 | — | — | |
| Other fee income | 222,000 | 115,000 | 122,000 | 778,000 | 2 | |
| Total Non-Interest Income | 4 | 3 | 3 | 5 | 6 | |
| Salaries and employee benefits | 32 | 30 | 28 | 24 | 19 | |
| Furniture and equipment expenses | 4 | 4 | 3 | 3 | 2 | |
| Advertising and marketing | 2 | 2 | 2 | 2 | 2 | |
| Occupancy expenses | 1 | 2 | 2 | 1 | 2 | |
| Outside services | 4 | 4 | 2 | 2 | 1 | |
| Franchise tax | 2 | 2 | 2 | 1 | 2 | |
| FDIC insurance | 2 | 1 | 1 | 637,000 | 1 | |
| Data processing | 1 | 1 | 1 | 1 | 1 | |
| Administrative expenses | 996,000 | 929,000 | 922,000 | 872,000 | 685,000 | |
| Other operating expenses | 5 | 6 | 3 | 3 | 2 | |
| Total Non-Interest Expense | 55 | 73 | 46 | 40 | 33 | |
| Income (Loss) Before Income Taxes | 19 | −14 | 33 | 33 | 28 | |
| Income Tax Expense (Benefit) | 3 | −4 | 6 | 7 | 6 | |
| Net Income (Loss) | 16 | −10 | 27 | 27 | 22 | |
| Preferred Stock Dividends | 2 | 2 | 2 | 2 | 2 | |
| Net Income (Loss) Available To Common Shareholders | 13 | −12 | 24 | 25 | 20 | |
| Basic (in dollars per share) | 1.76 | −1.6 | 3.25 | 3.26 | 2.65 | |
| Diluted (in dollars per share) | 1.76 | −1.6 | 3.25 | 3.26 | 2.65 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 25 | 21 | 54 | 49 | 62 | |
| Interest-bearing deposits at other financial institutions | 1 | 2 | — | — | — | |
| Federal funds sold | 136 | 185 | 61 | 82 | 31 | |
| Cash and cash equivalents | 163 | 208 | 115 | 131 | 93 | |
| Investment securities available-for-sale (AFS), at fair value | 58 | 56 | — | — | — | |
| Investment securities held-to-maturity (HTM), at amortized cost, net of allowance for credit losses of $0 and $0, respectively | 14 | 16 | — | — | — | |
| Restricted securities, at amortized cost | 7 | 7 | 24 | 24 | 16 | |
| Loans, net of allowance for credit losses of $19,308 and $19,450, respectively | 1,842 | 1,811 | — | — | — | |
| Premises and equipment, net | 14 | 13 | 14 | 15 | 15 | |
| Property held for sale, at fair value | 3 | 0 | — | — | — | |
| Other real estate owned, net | 2 | 0 | 0 | 0 | 775,000 | |
| Accrued interest and other receivables | 15 | 11 | 12 | 10 | 8 | |
| Bank owned life insurance | 41 | 40 | 38 | 37 | 36 | |
| Other Assets | 56 | 67 | 35 | 40 | 14 | |
| Total Assets | 2,213 | 2,228 | 2,035 | 1,878 | 1,647 | |
| Non-interest bearing deposits | 379 | 324 | 365 | 551 | 531 | |
| Interest-bearing demand deposits | 119 | 140 | 137 | 80 | 69 | |
| Savings and NOW deposits | 122 | 64 | 46 | 51 | 85 | |
| Money market deposits | 499 | 560 | 442 | 223 | 268 | |
| Time deposits | 780 | 819 | 696 | 608 | 459 | |
| Total deposits | 1,899 | 1,908 | 1,686 | 1,513 | 1,412 | |
| Subordinated debt, net | 70 | 73 | 73 | 72 | 29 | |
| Allowance for credit losses on off-balance sheet credit exposure | 300,000 | 300,000 | 1 | 0 | — | |
| Other Liabilities | 25 | 39 | 39 | 42 | 17 | |
| Total Liabilities | 1,994 | 2,020 | 1,814 | 1,727 | 1,459 | |
| Commitments and contingencies (Note 13) | — | — | — | — | — | |
| Preferred stock, $1.00 par value, 2,000,000 shares authorized non-cumulative perpetual; 28,750 issued and outstanding as of December 31, 2025 and December 31, 2024 | 27 | 27 | 27 | 27 | 27 | |
| Common stock, $4.00 par value, 15,000,000 shares authorized; issued and outstanding 7,496,571 shares (including 244,964 non-vested shares) for December 31, 2025 and 7,603,765 shares (including 237,717 non-vested shares) for December 31, 2024 | 29 | 29 | 29 | 29 | 29 | |
| Capital surplus | 67 | 68 | 66 | 64 | 68 | |
| Retained earnings | 102 | 91 | 107 | 87 | 64 | |
| Accumulated other comprehensive loss | −6 | −8 | −7 | −9 | 197,000 | |
| Total Stockholders Equity | 219 | 208 | 222 | 198 | 189 | |
| Total Liabilities and Stockholders Equity | 2,213 | 2,228 | 2,035 | 1,926 | 1,647 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation, amortization, and accretion, net | 4 | 4 | 2 | 2 | 2 | |
| Amortization of right-of-use assets | 544,000 | 504,000 | 477,000 | 496,000 | 472,000 | |
| Amortization of intangible assets | 0 | 447,000 | 0 | 0 | — | |
| Deferred income tax benefit | −642,000 | −5 | −191,000 | −894,000 | 336,000 | |
| Loss on New Market Tax Credit investment operations | 0 | 0 | 251,000 | 0 | — | |
| Gain on disposal of premises and equipment | −53,000 | −99,000 | −129,000 | — | −57,000 | |
| Realized loss on securities called or matured | 0 | 48,000 | 0 | −4,000 | — | |
| Provision for credit losses, net | −70,000 | 7 | 2 | 2 | — | |
| Stock based compensation expense | 3 | 3 | 2 | 3 | 2 | |
| Subordinated debt amortization expense | 397,000 | 397,000 | 397,000 | 328,000 | 223,000 | |
| Accrued interest receivable and other receivables | −3 | 1 | −3 | −2 | 2 | |
| Other assets | 11 | −5 | 5 | −22 | 8 | |
| Other liabilities | −14 | −150,000 | −3 | 25 | −5 | |
| Net cash provided by operating activities | 15 | 15 | 32 | 34 | 29 | |
| Payments, available-for-sale securities | 3 | 3 | 4 | 7 | 8 | |
| Maturities, sales, called, refunded | 2 | 1 | 0 | 245 | 417 | |
| Purchases, available-for-sale securities | −4 | −445,000 | 0 | −226 | −379 | |
| Purchases | −2 | −400,000 | 0 | 0 | — | |
| Maturities, called, refunded | 4 | 2 | 265,000 | 3 | 2 | |
| Purchases of equity securities | −4 | −8 | −4 | −4 | −11 | |
| Purchases of restricted investment in bank stock | −132,000 | −2 | −7 | −9 | −758,000 | |
| Redemption of restricted investment in bank stock | 0 | 1 | 10 | 4 | 332,000 | |
| Net increase in loan portfolio | −41 | −142 | −128 | −241 | −84 | |
| Proceeds from sale of loans | 8 | 30 | 0 | 0 | — | |
| Proceeds from sale of premises and equipment | 53,000 | 195,000 | 129,000 | 0 | 79,000 | |
| Purchase of premises and equipment, including property held for sale | −4 | −909,000 | −497,000 | −1 | −2 | |
| Computer software developed | 0 | −5 | −6 | −7 | −2 | |
| Net cash used in investing activities | −38 | −122 | −131 | −229 | −61 | |
| Net increase (decrease) in non-interest-bearing deposits | 54 | −40 | −186 | 20 | 160 | |
| Net increase (decrease) in interest-bearing demand, savings, NOW, money market and time deposits | −63 | 262 | 359 | 81 | −186 | |
| Net decrease in Federal Home Loan Bank advances | 0 | 0 | −100 | 100 | 0 | |
| Net increase (decrease) in federal funds purchased | 0 | −15 | 15 | 0 | — | |
| Net decrease in subordinated debt | −3 | 0 | 0 | — | — | |
| Repurchase of common stock | −4 | −732,000 | −43,000 | −7 | 0 | |
| Cash dividends paid on preferred stock | −2 | −2 | −2 | −2 | −2 | |
| Cash dividends paid on common stock | −3 | −3 | −3 | −2 | 0 | |
| Net cash (used in) provided by financing activities | −21 | 201 | 83 | 233 | −14 | |
| Increase (Decrease) in Cash and Cash Equivalents, net | −45 | 93 | −16 | 37 | −46 | |
| Cash paid during the period for interest | 62 | 71 | 46 | 13 | 10 | |
| Cash paid during the period for income taxes, see Note 11 | 168,000 | 1 | 7 | 6 | 7 | |
| Transfers from loans to other real estate owned | 2 | 0 | 0 | 715,000 | 26 | |
| Net unrealized gain (loss) on securities available-for-sale | 3 | −277,000 | 1 | −11 | −1 |
Filings
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Frequently asked questions
What is MainStreet Bancshares, Inc.'s CIK number?
MainStreet Bancshares, Inc.'s SEC CIK number is 0001693577 (1693577). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find MainStreet Bancshares, Inc.'s SEC filings?
All of MainStreet Bancshares, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did MainStreet Bancshares, Inc. last report earnings?
MainStreet Bancshares, Inc. (MNSB) most recently filed an earnings 8-K with the SEC on Apr 20, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-012768). This is MainStreet Bancshares, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is MainStreet Bancshares, Inc.'s most recent earnings 8-K?
MainStreet Bancshares, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 20, 2026 under accession 0001437749-26-012768. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View MainStreet Bancshares, Inc.'s latest earnings 8-K →
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