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.
The Banc Funds Company, L.L.C., doing business as 1st and Main Growth Partners, filed an amended Schedule 13G reporting its ownership in MainStreet Bancshares, Inc. common stock.
The filing shows beneficial ownership of 421,981 shares, representing 5.6% of the common stock, with sole voting and dispositive power over these shares. The filing is made on a passive basis, with the certifying person stating the securities were not acquired and are not held for the purpose of changing or influencing control of the issuer.
Fourthstone LLC and related funds have disclosed a significant ownership position in MainStreet Bancshares, Inc. They report beneficial ownership of 767,792 shares of common stock, representing 9.96% of the company, based on 7,705,571 shares outstanding as of October 31, 2025.
Fourthstone holds the shares as an investment adviser on behalf of its advisory clients, including several affiliated funds, and L. Phillip Stone may be deemed to share beneficial ownership through his roles at these entities. The group states the shares were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of MainStreet Bancshares.
Wellington Management Group LLP and affiliated entities report a beneficial ownership of 359,411 shares of MainStreet Bancshares, Inc. common stock, representing approximately 4.66% of the class. All shares are held with shared voting and dispositive power; none are held with sole authority.
The securities are owned of record by clients of various Wellington investment advisers, which are controlled through a holding-company structure. No single client is known to hold more than five percent of the common stock. Wellington states the position is held in the ordinary course of business and not for the purpose of changing or influencing control of MainStreet Bancshares.
MainStreet Bancshares executive Todd Youngren reported buying additional company stock. On 01/30/2026, he acquired 1,986 MainStreet Bancshares, Inc. shares at $20.42 each, a direct ownership transaction. After this purchase, his directly held stake increased to 7,853 shares of the company.
MainStreet Bancshares Chief Risk Officer Michael B. Baboval acquired additional company stock. On January 30, 2026, he received 2,058 shares of MainStreet Bancshares common stock at $20.42 per share. Following this transaction, he beneficially owned 7,179 shares directly and 3,806 shares indirectly through a 401(k).
MainStreet Bancshares, Inc. declared a cash dividend of $0.10 per share for its common shareholders. The Board of Directors approved the dividend on January 27, 2026, and it will be paid on February 16, 2026 to shareholders of record as of February 9, 2026. The company states that any future dividends on common stock will be considered by the Board after reviewing the company’s financial condition, operating results, and other relevant factors, and will remain at the Board’s discretion. Shares of the company’s common stock trade on the Nasdaq Capital Market under the symbol MNSB.
MainStreet Bancshares, Inc. furnished an update on its fourth quarter and full-year 2025 performance by issuing a press release with unaudited financial results. The company also released an investor presentation analyzing these results and made both documents available as exhibits and on its website. Due to inclement weather, the related earnings webcast was pre-recorded and is available for viewing at the provided YouTube link.
MainStreet Bancshares insider purchase: Jeff W. Dick, who serves as Chairman, President and CEO and is also a director, reported acquiring 176 shares of MainStreet Bancshares common stock on 09/08/2025 at a price of $22.15 per share. After the purchase, he directly beneficially owns 194,690 shares. In addition, 55,091 shares are reported as indirectly owned through a 401(k) plan.
The Form 4 was signed by an attorney-in-fact for the reporting person and reflects a routine disclosure of a small non-derivative purchase by a senior executive.
MainStreet Bancshares disclosed three items: an indemnification agreement for CFO Richard A. Vari that advances defense expenses subject to repayment if not entitled to indemnification; an employment agreement for Mr. Vari effective July 1, 2025 through December 31, 2026 with an annual base salary of $270,400, eligibility for bonus and equity awards, standard benefits and restrictive covenants, and severance protections including 200% of base salary if terminated without cause within one year after a change of control; and the Board declared a quarterly cash dividend on the companys 7.50% Series A preferred, equal to approximately $0.47 per depositary share (or $18.75 per preferred share), payable September 30, 2025 to holders of record on September 15, 2025. The filing incorporates prior-exhibit agreements by reference and notes the depositary shares trade under ticker MNSBP.
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.