Insider reports 246 MainStreet Bancshares shares

Higgins Joan Morgan filed an initial Form 3 for MainStreet Bancshares, Inc., reporting beneficial ownership of 246 shares of Common Stock held directly.

Accepted by SEC EDGAR 03/30/2026 - 11:37 AM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Higgins Joan Morgan filed an initial Form 3 for MainStreet Bancshares, Inc., reporting beneficial ownership of 246 shares of Common Stock held directly. This filing establishes Morgan’s starting ownership position as an insider associated with MainStreet Bank, without reporting any recent share purchases or sales.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider Higgins Joan Morgan

Role Insider

Type	Security	Shares	Price	Value
Holding	Common Stock	--	--	--

Holdings: Common Stock — 246 shares (Direct)

Key Figures

Common Stock held: 246 shares

1 metrics

Common Stock held 246 shares Total shares following reported Form 3 position

Key Terms

Common Stock, Form 3, beneficial ownership

3 terms

Common Stock financial

"security_title: "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 3 regulatory

"INSIDER FILING DATA (Form 3)"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

beneficial ownership financial

"initial statement of beneficial ownership of securities"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the Higgins Joan Morgan Form 3 filing for MNSB show?

The Form 3 filing shows that Higgins Joan Morgan beneficially owns 246 shares of MainStreet Bancshares, Inc. Common Stock. This is an initial insider ownership report and does not reflect any recent purchase or sale activity.

How many MainStreet Bancshares (MNSB) shares does Higgins Joan Morgan report?

Higgins Joan Morgan reports ownership of 246 shares of MainStreet Bancshares, Inc. Common Stock. These shares are listed as held directly after the reported event, providing a baseline of her insider stake in the company.

Is the Higgins Joan Morgan Form 3 for MNSB a buy or sell transaction?

The Form 3 for Higgins Joan Morgan does not report a buy or sell transaction. It functions as an initial statement of beneficial ownership, listing 246 Common Stock shares held directly rather than documenting a new trade.

What type of security does Higgins Joan Morgan hold in MainStreet Bancshares (MNSB)?

Higgins Joan Morgan holds Common Stock of MainStreet Bancshares, Inc.. The Form 3 shows a direct holding of 246 shares, establishing her position as an insider owner of the company’s common equity.

Does the Higgins Joan Morgan MNSB Form 3 include derivative securities?

No derivative securities are listed for Higgins Joan Morgan in this Form 3. The filing only reports 246 shares of MainStreet Bancshares, Inc. Common Stock held directly, with no options or other derivative positions shown.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Higgins Joan Morgan

(Last) (First) (Middle)

10089 FAIRFAX BLVD

(Street)

FAIRFAX VIRGINIA 22030

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/30/2026

3. Issuer Name and Ticker or Trading Symbol
MainStreet Bancshares, Inc. [ MNSB ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
	Officer (give title below)	X	Other (specify below)
			Director - MainStreet Bank

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	246	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Richard A. Vari, attorney-in-fact	03/30/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)