Earnings summaries and quarterly performance for MainStreet Bancshares.
Executive leadership at MainStreet Bancshares.
Board of directors at MainStreet Bancshares.
AM
Ali Manouchehri
Detailed
Director
CB
Charles Brockett
Detailed
Director
DG
Darrell Green
Detailed
Director
PR
Patsy Rust
Detailed
Director
PH
Paul Haddock
Detailed
Director
RD
Rafael DeLeon
Detailed
Director
RE
Russell Echlov
Detailed
Director
TS
Terry Saeger
Detailed
Vice Chair and Lead Independent Director
WA
Wendy Adeler Hall
Detailed
Director
Research analysts who have asked questions during MainStreet Bancshares earnings calls.
Recent press releases and 8-K filings for MNSB.
MainStreet Bancshares Reports Q4 and Full-Year 2025 Results, Highlights Share Repurchase and Loan Growth Outlook
MNSB
Earnings
Share Buyback
Guidance Update
- MainStreet Bancshares (MNSB) reported $1.76 in earnings per common share for 2025, with a 3.46% net interest margin and 11% net interest income growth for the year.
- The company executed a share repurchase program in Q4 2025, buying back 209,000 shares at a price 28% accretive to book value, under a refreshed $10 million plan.
- MNSB maintained strong credit quality in 2025 with virtually zero annual net charge-offs and a robust post-stress Common Equity Tier 1 ratio of 11.8%.
- Strategic efforts led to a 71 basis point year-over-year reduction in the cost of deposits and an expansion of liquidity facilities covering over 30% of the deposit portfolio.
- For the first half of 2026, MNSB anticipates 3%-4% loan growth and expects continued net interest margin resilience and improvement.
Jan 26, 2026, 3:00 PM
MainStreet Bancshares Reports 2025 Financial Results and Provides 2026 Outlook
MNSB
Earnings
Share Buyback
Guidance Update
- MainStreet Bancshares (MNSB) reported $1.76 in earnings per common share for 2025, with a return on average assets of 0.73% and a net interest margin of 3.46%. Net interest income grew 11% over the year.
- The company successfully navigated a 2024 technology transition, focusing on core banking, and expects net interest margin improvement and 3%-4% loan growth in the first half of 2026.
- MNSB repurchased 209,000 shares in the last quarter at a price 28% accretive to book value, following a refreshed share repurchase plan of $10 million.
- The loan portfolio saw 2% growth quarter-over-quarter, maintained virtually zero annual net charge-offs, and demonstrated strong asset quality with a post-stress Common Equity Tier 1 ratio of 11.8%.
Jan 26, 2026, 3:00 PM
MainStreet Bancshares Reports Q4 and Full-Year 2025 Results
MNSB
Earnings
Share Buyback
Guidance Update
- MainStreet Bancshares reported Q4 2025 diluted earnings per share (EPS) of $0.46 and a full-year 2025 EPS of $1.76. The Net Interest Margin (tax-equivalent yield) was 3.36% for Q4 2025 and 3.46% for the full year 2025.
- As of Q4 2025, total assets stood at $2,213 million, with net loans of $1,842 million and total deposits of $1,899 million. The company's capital position remained strong, with a Pre-stress Common Equity Tier 1 (CET1) to Risk-Weighted Assets (RBC) ratio of 15.1%.
- The company has an active share buyback program, with $6,125,000 in availability remaining at year-end 2025 after repurchasing 209,000 shares at an average price of $18.54. Management anticipates 3% to 4% loan growth through Q2 2026.
- The 2025 loan portfolio showed a CRE concentration of 355%, a reduction from 394% in 2024. Asset quality metrics included $50.1 million in classified loans (2.69% of Gross Loans) and $31.5 million in non-accrual loans (1.69% of Gross Loans).
Jan 26, 2026, 3:00 PM
MainStreet Bancshares, Inc. Reports Q4 and Full-Year 2025 Results
MNSB
Earnings
Share Buyback
Guidance Update
- MainStreet Bancshares, Inc. (MNSB) reported full-year 2025 earnings per common share of $1.76, a return on average assets of 0.73%, and a net interest margin of 3.46%, with net interest income growing 11% over the year.
- The company repurchased 209,000 shares in the last quarter of 2025 at a price 28% accretive to book value, following a refresh of its share repurchase plan to $10 million.
- MNSB expects loan growth of 3%-4% over the first six months of 2026, with estimated expense run rates for Q1 and Q2 2026 consistent with Q4 2025, and anticipates net interest margin resilience and improvement.
- The loan portfolio saw 2% growth quarter-over-quarter in Q4 2025, with annual net charge-offs at virtually zero, and a post-stress Common Equity Tier 1 ratio of 11.8%.
Jan 26, 2026, 3:00 PM
MNSB reports Q4 and FY 2025 earnings, highlights share repurchases and 2026 outlook
MNSB
Earnings
Share Buyback
Guidance Update
- Main Street Bank Shares Inc. (MNSB) reported $1.76 earnings per common share for 2025, with an 11% increase in net interest income and a 3.46% net interest margin.
- The company repurchased 209,000 shares during Q4 2025 and refreshed its share repurchase plan to increase capacity to $10,000,000.
- MNSB achieved 2% loan portfolio growth quarter-on-quarter and maintained virtually zero annual net charge-offs for 2025.
- For the first six months of 2026, MNSB anticipates 3% to 4% loan growth and expects net interest margin improvement.
- The company's liquidity position remains strong, covering over 30% of its deposit portfolio, and the cost of deposits decreased by 71 basis points year over year.
Jan 26, 2026, 3:00 PM
MainStreet Bancshares Reports Profitable 2025 and Strategic Growth
MNSB
Earnings
Share Buyback
New Projects/Investments
- MainStreet Bancshares, Inc. reported a net income of $15.6 million and earnings per common share of $1.76 for the year ended December 31, 2025.
- The company's net interest margin expanded to 3.46% for 2025, a 33-basis point increase from the previous year.
- MainStreet Bancshares executed a buyback of 209,000 shares during the fourth quarter of 2025 and increased gross loans by $54 million in the same quarter.
Jan 26, 2026, 1:00 PM
MainStreet Bancshares Reports 2025 Financial Results
MNSB
Earnings
Share Buyback
- MainStreet Bancshares, Inc. reported a net income of $15.6 million and earnings per common share of $1.76 for the year ended December 31, 2025.
- The company executed a buyback of 209,000 shares during the fourth quarter of 2025.
- The net interest margin expanded to 3.46% for 2025, marking a 33-basis point increase from the previous year.
- Gross loans increased by $54 million in the fourth quarter of 2025.
Jan 26, 2026, 1:00 PM
MainStreet Bancshares Reports Q3 2025 Results and New Stock Repurchase Program
MNSB
Earnings
Share Buyback
- MainStreet Bancshares, Inc. reported a net income of $4.52 million and earnings per common share of $0.52 for the quarter ended September 30, 2025, outperforming market expectations of $4.48 million and $0.51 respectively.
- The company's core net interest margin was 3.54% for the third quarter of 2025.
- On October 16, 2025, the Board of Directors authorized a new stock repurchase program allowing the Company to repurchase up to $10.0 million of its common stock, superseding the existing program.
Oct 27, 2025, 12:00 PM
MainStreet Bancshares, Inc. Reports Q3 2025 Financial Results and Authorizes New Stock Repurchase Program
MNSB
Earnings
Share Buyback
- MainStreet Bancshares, Inc. reported a net income of $4.52 million and earnings per common share of $0.52 for the quarter ended September 30, 2025, outperforming market expectations.
- The company's core net interest margin was a healthy 3.54% for the third quarter of 2025.
- On October 16, 2025, the Board of Directors authorized a new stock repurchase program to repurchase up to $10.0 million of the company's common stock.
Oct 27, 2025, 12:00 PM
Quarterly earnings call transcripts for MainStreet Bancshares.
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