MainStreet Bancshares, Inc. (MNSB)

MainStreet Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	125.57	125.18	116.48	79.05	61.74	59.63
Interest Income on Investments	9.27	9.44	7.94	4.97	2.46	2.44
Total Interest Income	134.83	134.62	124.42	84.02	64.2	62.07
Interest Paid on Deposits	63.09	68.17	42.87	10.09	8.78	15.02
Interest Paid on Borrowings	3.3	3.88	4.81	3.28	1.88	1.07
Total Interest Expense	66.39	72.04	47.68	13.37	10.66	16.1
Net Interest Income	68.44	62.57	76.74	70.65	53.54	45.98
Net Interest Income Growth (YoY)	7.20%	-18.46%	8.62%	31.96%	16.44%	16.59%
Gain (Loss) on Sale of Investments	0.1	-0.05	-	0	0.01	-
Other Non-Interest Income	1.72	1.3	1.19	2.41	2.83	5.5
Total Non-Interest Income	3.93	3.25	3.34	4.66	6.11	7.45
Non-Interest Income Growth (YoY)	22.76%	-2.63%	-28.34%	-23.71%	-18.00%	53.25%
Revenues Before Loan Losses	72.38	65.83	80.08	75.31	59.65	53.43
Provision for Loan Losses	3.01	6.76	1.64	2.4	-1.18	3.61
Revenue	69.37	59.06	78.44	72.91	60.82	49.82
Revenue Growth (YoY)	9.71%	-24.70%	7.58%	19.88%	22.09%	16.72%
Salaries and Employee Benefits	29.45	27.64	25.78	21.28	17.42	16.41
Federal Deposit Insurance	1.34	1.34	1.13	0.64	1.05	1.33
Selling, General & Administrative	16.89	16.2	13.6	13.33	10.73	8.81
Other Non-Interest Expense	8.76	8.07	5.11	4.28	3.67	3.72
Total Non-Interest Expense	56.44	53.25	45.62	39.52	32.87	30.26
EBT Excluding Unusual Items	12.93	5.82	32.82	33.39	27.96	19.56
Asset Writedown	-19.72	-19.72	-	-	-	-
Pretax Income	-6.79	-13.9	32.82	33.39	27.96	19.56
Income Tax Expense	-2.18	-3.92	6.24	6.71	5.79	3.84
Net Income	-4.61	-9.98	26.59	26.67	22.17	15.72
Preferred Dividends & Other Adjustments	2.16	2.16	2.16	2.16	2.16	0.64
Net Income to Common	-6.76	-12.14	24.43	24.52	20.02	15.08
Net Income Growth	-	-	-0.33%	20.31%	41.06%	12.67%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change (YoY)	0.99%	1.11%	-0.09%	-0.40%	-7.03%	-1.45%
EPS (Basic)	-0.88	-1.60	3.25	3.26	2.65	1.85
EPS (Diluted)	-0.89	-1.60	3.25	3.26	2.65	1.85
EPS Growth	-	-	-0.28%	22.98%	43.12%	9.47%
Dividend Per Share	0.200	0.400	0.400	0.300	0.050	-
Dividend Growth	-50.00%	-	33.33%	500.00%	-	-
Effective Tax Rate	-	-	19.01%	20.11%	20.69%	19.65%

Updated Oct 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q