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. 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.
MainStreet Bancshares, Inc., the holding company for MainStreet Bank, has appointed Morgan Higgins to the Bank’s Board of Directors. Higgins is a seasoned financial executive with more than 20 years of experience in banking and government contracting, particularly in defense and government services.
She is a Partner at Blue Delta Capital Partners, leading equity investments in emerging government contracting businesses in the U.S. federal market, and previously served as an Executive Director at JPMorgan Chase focused on aerospace and government services clients. Leadership highlights her experience in strategic growth, finance, and risk mitigation as valuable to expanding MainStreet’s commercial footprint in the Washington, D.C. region, especially in government contracting.
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. reported that since the beginning of the year it has repurchased 174,280 shares of its outstanding common stock under its current stock repurchase program. The company paid an average price of $22.45 per share for these buybacks.
The purchases were made in line with the limitations of SEC Rule 10b-18 and other legal requirements. The company stated that its tangible book value was $25.52 as of December 31, 2025. The repurchase program does not obligate any specific amount and may be extended, suspended, or discontinued at any time.
MainStreet Bancshares, Inc. Chief Financial Officer Richard Alexander Vari reported several equity-related updates. On February 20, 2026, he disposed of 1,501 shares of common stock at $20.36 per share as a tax-withholding disposition, leaving 31,381 directly held shares. He also reports indirect ownership of 5,878 shares through a 401(k) plan. The filing further notes a prior grant of 7,155 shares of common stock on February 20, 2024 at $22.65 per share, which are unvested stock awards scheduled to vest over a three-year period under the 2019 Equity Incentive Plan.
MainStreet Bancshares, Inc. President of MainStreet Bank, Hersiburane Abdulhamid, reported a tax-related share disposition and updated holdings. On February 20, 2026, he disposed of 1,314 shares of common stock at $20.36 per share in a tax-withholding disposition, meaning shares were surrendered to cover tax obligations rather than sold in an open-market trade. After this transaction, he directly owned 33,502 common shares. He also indirectly owned 11,157 common shares through a 401(k) plan. A prior award on February 20, 2024 granted 8,367 unvested shares under the 2019 Equity Incentive Plan, which will vest over a three-year period.
MainStreet Bancshares, Inc. Chairman, President and CEO Jeff W. Dick reported mixed equity activity in the company’s common stock. On February 20, 2026, he had 3,499 shares disposed of at $20.36 per share in a tax-withholding transaction tied to equity compensation.
On the same date, he received a grant/award acquisition of 23,511 common shares at a stated price of $22.65 per share, increasing his direct holdings to 206,977 shares. He also holds 63,840 shares indirectly through a 401(k) plan, which includes a transfer of 7,831 shares from direct to indirect ownership.
MainStreet Bancshares, Inc. executive Todd Youngren, listed as EVP and Director, reported a tax-withholding share disposition under a Form 4. On the reported date, 812 shares of MainStreet Bancshares, Inc. common stock were disposed of at $20.36 per share to cover tax obligations, leaving him with 5,041 directly owned shares.