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.
The MainStreet Bancshares, Inc. Depositary Shares (MNSBP) SEC filings page provides access to regulatory documents that describe the structure and ongoing treatment of these preferred securities. MNSBP represents Depositary Shares, each corresponding to a 1/40th interest in a share of 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock issued by MainStreet Bancshares, Inc., a small-cap financial holding company for MainStreet Bank.
Key filings for investors in MNSBP include Form 8-K reports that disclose material events related to the preferred stock and Depositary Shares. For example, an 8-K dated August 27, 2025, explains the issuance of 1,150,000 Depositary Shares, each tied to a preferred share with a stated liquidation preference, and details a quarterly cash dividend on the Series A Preferred Stock and associated Depositary Shares. The filing also outlines the expected quarterly dividend schedule, when, as, and if declared by the Board.
Other 8-K filings document board actions on common stock dividends, earnings releases, investor presentations, and executive employment and indemnification agreements. While these do not change the contractual terms of MNSBP, they shed light on MainStreet Bancshares, Inc.’s financial condition, governance practices, and capital management, all of which matter when evaluating preferred securities.
Through this page, users can review how MainStreet Bancshares, Inc. reports results of operations, capital levels, and significant corporate events that may affect both common and preferred investors. Real-time updates from EDGAR, combined with AI-powered summaries, can help explain complex filing language, highlight preferred dividend declarations, and surface information about the issuer’s risk profile and capital structure that underpins the MNSBP Depositary Shares.
MainStreet Bancshares, Inc. reported solid first quarter 2026 results, with net income of $4.1 million and earnings per common share of $0.48, up from $0.25 a year earlier. Net interest margin expanded 9 basis points during the quarter to 3.47% as loan yields held firm and funding costs declined.
The company repurchased 273,448 shares, helping lift book value per common share to $25.63. Total deposits exceeded $1.9 billion, including $1.4 billion in core funding, while net loans reached $1.85 billion, producing a 98% loan-to-deposit ratio and continued growth in owner-occupied commercial real estate.
Profitability metrics improved, with annualized return on average assets rising to 0.76% and the efficiency ratio improving to 70.80% from 82.03% a year earlier. However, nonperforming assets increased to 2.47% of total assets and non-accrual loans rose to 2.88% of total gross loans, reducing allowance coverage.
MainStreet Bancshares, Inc. is asking shareholders to vote at its 2026 virtual-only annual meeting on electing four directors, ratifying YHB as independent auditor, and approving an advisory say-on-pay resolution for named executive officer compensation.
The meeting is on May 21, 2026, via live webcast, with a record date of April 2, 2026, when 7,324,049 common shares were outstanding. Directors, executives and related parties held 10.17% of these shares. The proxy also outlines board independence, risk oversight, a new clawback policy, insider trading controls, and an equity-based incentive program that paid 2025 bonuses entirely in restricted stock.
MainStreet Bancshares, Inc. reported that director Joan Morgan Higgins acquired 356 shares of Common Stock on April 3, 2026. The shares were granted as restricted stock awards in lieu of cash director fees, valued at $22.48 per share based on the grant-date stock price.
After this equity grant, Higgins directly holds 602 Common Stock shares. This is a routine, compensation-related award under the company’s existing equity incentive plan, rather than an open-market purchase or sale.
Hall Wendy Adeler reported acquisition or exercise transactions in this Form 4 filing.
MainStreet Bancshares, Inc. director Wendy Adeler Hall received a grant of 534 shares of common stock on April 3, 2026, valued at $22.48 per share. This award increased her direct holdings to 1,754 shares. According to a footnote, directors may elect to receive restricted stock awards in lieu of cash fees, with the amount based on the stock price on the grant date.
MainStreet Bancshares, Inc. director Rafael E. DeLeon received a grant of 1,068 shares of common stock on April 3, 2026 at a fair value of $22.48 per share. These restricted stock awards were taken in lieu of cash director fees under the company’s existing equity incentive plan.
Following this equity award, DeLeon directly holds 14,548 shares of MainStreet Bancshares common stock. This is a routine, compensation-related acquisition rather than an open-market purchase or sale.
MainStreet Bancshares director Darrell Green received a stock grant instead of cash fees. On April 3, 2026, he acquired 356 shares of common stock as a restricted stock award valued at $22.48 per share under the company’s equity incentive plan. Following this grant, he directly holds 34,705 shares of MainStreet Bancshares common stock.
MainStreet Bancshares director Patsy I. Rust received an equity grant rather than cash fees. On April 3, 2026, Rust acquired 534 shares of MainStreet Bancshares common stock at a fair value of $22.48 per share as a restricted stock award under the company’s equity incentive plan.
After this grant, Rust directly holds 26,130 common shares and also has indirect ownership of 500 common shares held by her husband, plus 2,000 depositary shares. A footnote explains directors may elect to receive board compensation in restricted stock instead of cash, and this grant reflects that election.
MainStreet Bancshares, Inc. announced that David Murrell has been promoted to Executive Vice President and Chief Banking Officer. In this role, he will oversee strategic initiatives aimed at driving deposit growth and supporting the bank’s $2.2 billion asset base.
Murrell joined MainStreet in 2008 and has over 20 years of banking experience, including work with medical practices, law firms, and government contractors. The company highlights his promotion as part of its focus on organic growth, strong commercial deposits, and community programs within the Washington metropolitan area.
MainStreet Bancshares, Inc. is informing investors that it will host a virtual webcast and quarterly earnings conference call on April 20, 2026 at 2:00 p.m. Eastern Time. During this event, the company plans to discuss its first quarter results and provide an update on recent activities.
Investors interested in attending the webcast are directed to contact Hattie Lester by email or phone to obtain access details. The notice is furnished as a Regulation FD disclosure, aiming to provide broad, fair access to the company’s upcoming earnings discussion.
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.