[8-K] MainStreet Bancshares, Inc. Reports Material Event

Rhea-AI Filing Summary

MainStreet Bancshares, Inc. (MNSB) announced a $0.10 per share cash dividend to common shareholders. The dividend is payable on November 18, 2025 to shareholders of record as of November 11, 2025.

The Board stated it will consider any future common dividends after reviewing the company’s financial condition, results of operations, and other factors, and any subsequent declaration will be at the Board’s discretion.

Insights

Dividend Policy Analyst

Board declared a routine cash dividend of $0.10 per common share, with timing set; future payouts remain at Board discretion.

MainStreet Bancshares, Inc. declared a cash dividend of $0.10 per common share. The dividend is payable on November 18, 2025 to holders of record on November 11, 2025. This is a direct cash return and establishes clear dates for entitlement and payment.

The Board states that future dividends will be considered after reviewing financial condition, results of operations, and other factors, and any future declaration remains at its discretion. That language signals no commitment beyond this payment and aligns with standard dividend governance for banks and holding companies.

Watch the record date on November 11, 2025 and the payable date on November 18, 2025. Also monitor subsequent filings for any updates to dividend policy or amounts, as the Board’s statement leaves future payouts contingent on ongoing performance and conditions.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 28, 2025

MainStreet Bancshares, Inc.

(Exact name of Registrant as Specified in Its Charter)

Virginia	001-38817	81-2871064
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)
10089 Fairfax Boulevard, Fairfax, VA		22030
(Address of Principal Executive Offices)		(Zip Code)

(703) 481-4567

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

☐         Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐         Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐         Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐         Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock		MNSB		The Nasdaq Stock Market LLC
Depositary Shares (each representing a 1/40th interest in a share of 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock		MNSBP		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01 Other Events.

On October 28, 2025, the Board of Directors of MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to common shareholders. The dividend will be paid on November 18, 2025, to shareholders of record on November 11, 2025.

The Board of Directors will consider future dividends to common shareholders after its review of the Company’s financial condition, results of operations, and other factors.

Any subsequent dividend declaration will be subject to the discretion of the Board of Directors. Shares of the Company’s Common Stock trade on the Nasdaq Capital Market under the symbol “MNSB.”

The information furnished under Item 8.01 of this Current Report on Form 8-K, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section, and it shall not be deemed incorporated by reference in any filing under the Exchange Act, or the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such filing to this Form 8-K.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		MAINSTREET BANCSHARES, INC
Date: October 28, 2025		By:	/s/ Thomas J. Chmelik
			Name: Thomas J. Chmelik
			Title: Chief Financial Officer

FAQ

What dividend did MainStreet Bancshares (MNSB) declare?

The company declared a $0.10 per share cash dividend for common shareholders.

When is the record date for MNSB’s dividend?

The record date is November 11, 2025.

When will MNSB pay the declared dividend?

The dividend will be paid on November 18, 2025.

Which shares are eligible for the dividend?

The dividend applies to common shareholders of record on the specified record date.

How will future MNSB dividends be determined?

Future dividends will be considered by the Board after reviewing the company’s financial condition and results of operations and are at the Board’s discretion.

What exchange does MNSB trade on?

Shares of the company’s common stock trade on the Nasdaq under the symbol MNSB.