Welcome to our dedicated page for Mainstreet Bancshares SEC filings (Ticker: MNSB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The MainStreet Bancshares, Inc. MNSB SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a financial holding company for MainStreet Bank. MainStreet Bancshares files with the U.S. Securities and Exchange Commission as a Virginia corporation listed on the Nasdaq Capital Market, with its common stock trading under the symbol MNSB and its depositary shares for 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock trading under the symbol MNSBP.
Through this page, users can review Form 8-K current reports in which the company discloses material events. Recent 8-K filings describe topics such as the planned retirement of the company’s Chief Financial Officer from that role, the appointment of a new independent director to the boards of the company and the bank, the authorization of a new stock repurchase program, repurchases of common shares under that program, and the declaration of cash dividends on both preferred and common stock. Other 8-Ks reference the release of quarterly financial results and the availability of investor presentations.
In addition to current reports, investors typically consult MainStreet Bancshares’ annual reports on Form 10-K and quarterly reports on Form 10-Q for detailed information on net interest income, loan and deposit composition, asset quality, capital ratios, and risk factors. While those specific forms are not reproduced in the news excerpts, the company’s earnings releases and 8-K references indicate that such filings are part of its regular reporting cycle.
Stock Titan’s platform enhances these filings with AI-powered summaries that explain key sections in clear language, helping users understand items such as stock repurchase authorizations, dividend terms for the Series A preferred stock and related depositary shares, and board or executive changes reported under Item 5.02. Real-time updates from EDGAR ensure that new MainStreet Bancshares filings appear promptly, and investors can also monitor any future Forms 3, 4, and 5 that would report insider ownership and trading activity in MNSB and MNSBP securities.
By using this page, analysts and individual investors can quickly navigate MainStreet Bancshares’ regulatory history, connect earnings news to the underlying SEC documents, and track how the company communicates its financial condition, capital management, and governance decisions over time.
MainStreet Bancshares, Inc., the holding company for MainStreet Bank, has appointed Morgan Higgins to the Bank’s Board of Directors. Higgins is a seasoned financial executive with more than 20 years of experience in banking and government contracting, particularly in defense and government services.
She is a Partner at Blue Delta Capital Partners, leading equity investments in emerging government contracting businesses in the U.S. federal market, and previously served as an Executive Director at JPMorgan Chase focused on aerospace and government services clients. Leadership highlights her experience in strategic growth, finance, and risk mitigation as valuable to expanding MainStreet’s commercial footprint in the Washington, D.C. region, especially in government contracting.
MainStreet Bancshares, Inc. reports steady community banking growth centered in Northern Virginia and the Washington, D.C. metro area. As of December 31, 2025, the company had total assets of $2.21 billion, net loans of $1.8 billion, deposits of $1.9 billion and stockholders’ equity of $218.6 million.
Profitability improved, with return on average assets of 0.73% and return on average equity of 7.33% for 2025, compared with negative results in 2024. Credit quality metrics remain controlled: net charge-offs to average loans were 0.00% in 2025 versus 0.25% in 2024, while non-performing loans totaled $31.5 million and non-performing assets were 1.50% of total assets.
The bank emphasizes relationship-based commercial and real estate lending, robust deposit products and technology-driven delivery, supported by a strong capital position; at year-end 2025 its tier 1 leverage ratio was 13.28% and total risk-based capital ratio 16.08%, qualifying as “well-capitalized.” Management highlights a growing, affluent market, disciplined credit culture, CRE concentration oversight, and ongoing ESG, diversity and community development initiatives.
MainStreet Bancshares, Inc. filed Amendment No. 3 to its 2024 Annual Report to include the full opinion of its independent auditor on internal control over financial reporting and to update Item 9A and related consents and officer certifications.
For 2024, the company reported a net loss of $9.98 million, compared with net income of $26.59 million in 2023, driven largely by a $19.72 million computer software intangible impairment and higher funding costs that cut net interest income to $62.57 million from $76.74 million. Total assets grew to $2.23 billion, loans reached $1.83 billion, deposits rose to $1.91 billion, and year-end stockholders’ equity was $207.99 million. The auditor issued unqualified opinions on both the 2024 financial statements and the effectiveness of internal control over financial reporting.
MainStreet Bancshares, Inc. reported that since the beginning of the year it has repurchased 174,280 shares of its outstanding common stock under its current stock repurchase program. The company paid an average price of $22.45 per share for these buybacks.
The purchases were made in line with the limitations of SEC Rule 10b-18 and other legal requirements. The company stated that its tangible book value was $25.52 as of December 31, 2025. The repurchase program does not obligate any specific amount and may be extended, suspended, or discontinued at any time.
MainStreet Bancshares, Inc. Schedule 13G reports that the MainStreet Bank 401(k) Retirement Plan, through its administrator Richard A. Vari, beneficially owns 383,763 shares of common stock, representing 5.1% of the class as of 12/31/2025.
The filing states the Plan holds shared voting power and shared dispositive power over 383,763 shares. The Plan is subject to ERISA and Delaware Charter Guarantee & Trust Company dba Principal Trust Company serves as Trustee; participants may direct the Trustee how to vote. The certification is signed by Richard A. Vari as Plan Administrator on 02/24/2026.
MainStreet Bancshares, Inc. Chief Financial Officer Richard Alexander Vari reported several equity-related updates. On February 20, 2026, he disposed of 1,501 shares of common stock at $20.36 per share as a tax-withholding disposition, leaving 31,381 directly held shares. He also reports indirect ownership of 5,878 shares through a 401(k) plan. The filing further notes a prior grant of 7,155 shares of common stock on February 20, 2024 at $22.65 per share, which are unvested stock awards scheduled to vest over a three-year period under the 2019 Equity Incentive Plan.
MainStreet Bancshares, Inc. President of MainStreet Bank, Hersiburane Abdulhamid, reported a tax-related share disposition and updated holdings. On February 20, 2026, he disposed of 1,314 shares of common stock at $20.36 per share in a tax-withholding disposition, meaning shares were surrendered to cover tax obligations rather than sold in an open-market trade. After this transaction, he directly owned 33,502 common shares. He also indirectly owned 11,157 common shares through a 401(k) plan. A prior award on February 20, 2024 granted 8,367 unvested shares under the 2019 Equity Incentive Plan, which will vest over a three-year period.
MainStreet Bancshares, Inc. Chairman, President and CEO Jeff W. Dick reported mixed equity activity in the company’s common stock. On February 20, 2026, he had 3,499 shares disposed of at $20.36 per share in a tax-withholding transaction tied to equity compensation.
On the same date, he received a grant/award acquisition of 23,511 common shares at a stated price of $22.65 per share, increasing his direct holdings to 206,977 shares. He also holds 63,840 shares indirectly through a 401(k) plan, which includes a transfer of 7,831 shares from direct to indirect ownership.
MainStreet Bancshares, Inc. executive Todd Youngren, listed as EVP and Director, reported a tax-withholding share disposition under a Form 4. On the reported date, 812 shares of MainStreet Bancshares, Inc. common stock were disposed of at $20.36 per share to cover tax obligations, leaving him with 5,041 directly owned shares.
MainStreet Bancshares, Inc. senior vice president and chief of staff William Freesmeier reported a Form 4 showing a tax-withholding disposition of company stock. On February 20, 2026, 744 shares of common stock were disposed of at $20.36 per share to cover tax obligations, a non-open-market transaction. After this, he directly held 8,668 shares and indirectly held 1,077 shares through a 401(k) plan.