Every 10-K that Mainstreet Bancshares Inc (MNSBP) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow MNSBP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full MNSBP filings page.
MainStreet Bancshares, Inc. reports steady community banking growth centered in Northern Virginia and the Washington, D.C. metro area. As of December 31, 2025, the company had total assets of $2.21 billion, net loans of $1.8 billion, deposits of $1.9 billion and stockholders’ equity of $218.6 million.
Profitability improved, with return on average assets of 0.73% and return on average equity of 7.33% for 2025, compared with negative results in 2024. Credit quality metrics remain controlled: net charge-offs to average loans were 0.00% in 2025 versus 0.25% in 2024, while non-performing loans totaled $31.5 million and non-performing assets were 1.50% of total assets.
The bank emphasizes relationship-based commercial and real estate lending, robust deposit products and technology-driven delivery, supported by a strong capital position; at year-end 2025 its tier 1 leverage ratio was 13.28% and total risk-based capital ratio 16.08%, qualifying as “well-capitalized.” Management highlights a growing, affluent market, disciplined credit culture, CRE concentration oversight, and ongoing ESG, diversity and community development initiatives.
MainStreet Bancshares, Inc. filed Amendment No. 3 to its 2024 Annual Report to include the full opinion of its independent auditor on internal control over financial reporting and to update Item 9A and related consents and officer certifications.
For 2024, the company reported a net loss of $9.98 million, compared with net income of $26.59 million in 2023, driven largely by a $19.72 million computer software intangible impairment and higher funding costs that cut net interest income to $62.57 million from $76.74 million. Total assets grew to $2.23 billion, loans reached $1.83 billion, deposits rose to $1.91 billion, and year-end stockholders’ equity was $207.99 million. The auditor issued unqualified opinions on both the 2024 financial statements and the effectiveness of internal control over financial reporting.
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.