Welcome to our dedicated page for Mainstreet Bancshares SEC filings (Ticker: MNSBP), 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.
MainStreet Bancshares’ filings aren’t just numbers—they track loan-loss reserves, net interest margins and the progress of its “Put Our Bank in Your Office®” fintech strategy. If you have ever searched, “where can I read MainStreet Bancshares’ quarterly earnings report 10-Q filing?” or needed MainStreet Bancshares insider trading Form 4 transactions, this page answers those questions in one place.
Stock Titan’s AI scans every submission the moment it reaches EDGAR, then delivers clear, plain-English takeaways. Looking for MainStreet Bancshares SEC filings explained simply? Our summaries flag credit-quality shifts, deposit mix changes, and Banking-as-a-Service revenue without wading through footnotes. You’ll also receive instant alerts for MainStreet Bancshares Form 4 insider transactions real-time, so executive stock moves never slip past you.
Here’s what you can explore:
- MainStreet Bancshares annual report 10-K simplified—capital ratios, loan portfolio composition and risk disclosures
- MainStreet Bancshares quarterly earnings report 10-Q filing—segment metrics and trend commentary with AI highlights
- MainStreet Bancshares 8-K material events explained—new fintech partnerships, branch openings or credit updates
- MainStreet Bancshares proxy statement executive compensation—compare CEO pay to peers in seconds
- MainStreet Bancshares executive stock transactions Form 4—pattern analysis and real-time alerts
Whether you’re modelling results for an earnings call, monitoring MainStreet Bancshares earnings report filing analysis, or simply understanding MainStreet Bancshares SEC documents with AI, our platform turns dense disclosures into actionable insight. No more hunting through PDFs—just the information you need, when you need it.
Q2 2025 results show strong profitability but softer funding. Net income jumped 75% YoY to $4.6 m, lifting diluted EPS to $0.53 (vs $0.27). Net interest income climbed 21% to $18.8 m as funding costs eased; a $0.5 m loan-loss recovery contrasted with a $0.9 m provision last year. Six-month earnings rose 19% to $7.0 m (EPS $0.78).
Operating trends. Interest expense declined 13% despite higher deposit betas in 2024, while non-interest expense grew 15% on staffing, FDIC premiums and outside services, pressuring efficiency.
Balance-sheet contraction. Assets fell 5% YTD to $2.11 bn. Loans contracted 2% to $1.77 bn and cash balances dropped 36% to $133 m. Deposits declined 5.7% (–$109 m), led by money-market (–$96 m) and time deposits (–$55 m); non-interest bearing balances edged up $6 m. Subordinated debt was trimmed by $1.9 m.
Capital & credit. Shareholders’ equity increased 2.6% to $213 m as retained earnings grew and AOCI loss narrowed to $7.5 m. ACL/loans held at 1.07%; no new credit impairments disclosed. Negative provision and stable past-due metrics indicate benign credit trends.
Key watch points: continued deposit outflows, rising operating costs and limited liquidity cushion versus higher-rate competition.
MainStreet Bancshares, Inc. (Nasdaq: MNSB / MNSBP) filed Form 10-K/A Amendment No. 2 for FY-2024 solely to replace an incorrect version of Exhibit 3.1 – Restated Articles of Incorporation that accompanied the original 10-K on 14 Mar 2025. The amendment is administrative only; it does not alter the company’s audited financial statements, MD&A or any other disclosures, and it does not update events subsequent to the original filing.
The filing adds fresh Rule 13a-14(a) certifications from the CEO and CFO to reflect the corrected exhibit. All other information in the original 10-K remains unchanged. Key reference data from the original report is reiterated: as of 30 Jun 2024 the public float was $134.7 million, and 7,728,106 common shares were outstanding on 10 Mar 2025. Yount, Hyde & Barbour, P.C. (Firm ID 613) continues as independent auditor.
Because no financial metrics, risk factors or guidance are revised, the amendment carries neutral investment impact and should be read in conjunction with the original Form 10-K.
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