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, Inc. filings document the public-company disclosures of the financial holding company for MainStreet Bank and the MNSBP depositary shares, each representing a 1/40th interest in a share of 7.50% Series A fixed-rate non-cumulative perpetual preferred stock. The filings identify the preferred depositary security’s Nasdaq listing and the related capital structure alongside the company’s common stock.
Recent regulatory records include Form 8-K reports for unaudited operating results, investor presentations under Regulation FD, common-stock dividend declarations, and stock repurchase authorizations. Proxy materials cover annual meeting matters, executive compensation, board governance, and shareholder voting procedures for the financial holding company.
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.