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Mainstreet Bancshares Inc SEC Filings

MNSBP NASDAQ

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.

Rhea-AI Summary

Momentus Inc. (Nasdaq: MNTS) has filed a high-risk, small-scale capital raise. The company is selling 680,000 common shares and issuing pre-funded warrants for up to 2,156,880 shares plus five-year warrants for up to 2,836,880 shares, all priced at $1.41 per unit. Gross proceeds equal roughly $4.0 million; net proceeds are estimated at $3.5 million after a 7 % placement fee ($0.28 million) and expenses. The offering is “best efforts,” closes around 1 July 2025, and funds are delivered DVP/RVP without escrow.

Use of proceeds: general corporate purposes, continued development of the Vigoride orbital-transfer vehicle and satellite buses, working capital, and possible repayment of a high-interest (18 %) loan maturing March 2026. Management retains broad discretion.

Capital structure & dilution: Shares outstanding rise from 6.27 million to 6.95 million immediately (9.11 million if all pre-funded warrants are exercised). Inclusive of outstanding preferred stock, options, warrants and convertibles, fully-diluted potential exceeds 20 million shares. Existing warrants covering 1.16 million shares have been repriced to $1.41 and extended to 2030, further increasing the overhang.

Recent financing activity: • Apr-2025 Master Services Agreement with Velo3D paid with 0.48 million common + 0.67 million preferred (convertible into 6.73 million common). • May-2025 $1.2 million convertible note to the placement agent (4.5 % coupon, $1.67 strike) to be replaced by a new $0.5 million 18-month note post-closing. • May-30-2025 loan facility for up to $1.5 million at an 18 % effective rate, weekly amortisation, share-settled at the lower of $1.70 or market, plus 952,940 accompanying warrants. • Multiple debt-for-equity settlements (191,339 shares) during Apr-May 2025.

Liquidity & going-concern risk: Cash stood at $1.6 million on 31-Dec-2024. Net loss was $34.9 million in 2024 and $6.2 million in 1Q-2025; accumulated deficit is $414 million. Auditors cite substantial doubt about the company’s ability to continue as a going concern. The $3.5 million net raise extends runway only modestly relative to the 2024 cash burn of $16.6 million.

Nasdaq compliance: Momentus regained listing compliance via a 1-for-14 reverse split (Dec-2024) and the Velo3D equity infusion, lifting stockholders’ equity to ~$8.1 million. Nasdaq will re-evaluate equity as of 30-Jun-2025; failure to maintain ≥$2.5 million could re-trigger delisting.

Investment view: The raise preserves Nasdaq listing and provides short-term liquidity but at significant dilution and via instruments (convertible notes, high-coupon loans, repriced warrants) that may pressure the share price. Execution risk on commercial launches, technology validation and further financing remains high, and the prospectus reiterates going-concern uncertainty.

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MainStreet Bancshares, Inc. (MNSB) – Form 4 insider transaction

Director Rafael E. DeLeon elected to receive part of his 2Q 2025 board compensation in stock rather than cash. On 30 Jun 2025, he was granted 238 restricted common shares at a fair-value reference price of $18.90 per share (≈ $4.5 k). Following the grant, DeLeon’s direct ownership increased to 12,301 shares. No derivative securities were involved, and the filing notes the grant was made under the company’s existing equity-incentive plan.

The transaction is coded “A” (acquisition) and is routine in nature, reflecting ongoing alignment of director interests with shareholders. No other material changes or sales were reported.

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FAQ

What is the current stock price of Mainstreet Bancshares (MNSBP)?

The current stock price of Mainstreet Bancshares (MNSBP) is $24.1999 as of July 1, 2025.

What services does MainStreet Bancshares Inc provide?

MainStreet Bancshares Inc offers a broad range of services, including business and consumer checking, savings, certificates of deposit, and diverse lending products geared towards small to medium-sized businesses and individual clients.

How does MainStreet integrate digital banking solutions?

The company incorporates advanced online and mobile banking platforms along with its innovative Banking-as-a-Service solution, allowing for seamless and accessible financial services without the constraints of traditional branch systems.

What is the significance of the "Put Our Bank in Your Office®" initiative?

This initiative underlines the bank's commitment to providing flexible and convenient banking services directly to business locations, thereby eliminating the limitations of a conventional branching model.

How does MainStreet manage credit risk?

MainStreet Bancshares Inc employs a rigorous credit culture, with strict risk management protocols and proactive monitoring of nonperforming loans to safeguard financial stability.

Who are the primary customers of MainStreet Bancshares Inc?

The bank primarily serves small to medium-sized businesses, professional practices, and retail customers, offering services that address both daily financial needs and more complex lending requirements.

What differentiates MainStreet from other traditional banks?

MainStreet distinguishes itself by combining traditional community banking values with modern digital innovations, including a flexible branch-lite model, an extensive ATM network, and advanced online banking solutions.

How does MainStreet support commercial lending?

The bank offers a range of commercial lending products including lines of credit, term loans, and real estate financing, all managed under a disciplined risk and credit culture to support business growth.

What role does technology play in MainStreet’s operations?

Technology plays a central role by enabling efficient online banking operations, digital service delivery through the Avenu platform, and enhanced customer experience, making the bank adaptable and accessible.
Mainstreet Bancshares Inc

NASDAQ:MNSBP

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