)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
MainStreet Bancshares (MNSB) investor relations material
MainStreet Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income rose to $4.6M for Q2 2025, up from prior quarters, driven by net interest margin expansion, lower interest expense, and strategic balance sheet management.
EPS reached $0.53, with ROAA at 0.86% and ROATCE at 8.84%; adjusted EPS would have been $0.56 and ROAA 0.91% excluding nonrecurring items.
Asset quality remained strong, with nonperforming loans falling to $7.2M (0.40% of loans) and full recovery on a previously discussed credit.
The company incurred $1.8M in nonrecurring expenses related to BaaS exit and severance, offset by $1.5M in nonrecurring revenue.
Focus remains on organic growth, prudent risk management, and maximizing earnings power through balance sheet optimization.
Financial highlights
Net interest margin improved to 3.75%, up 45 bps sequentially and 55 bps year-over-year.
Net interest income for Q2 2025 was $18.8M, up from $16.5M in Q1 and 20.6% higher year-over-year.
Total assets stood at $2.1B, with net loans at $1.77B and deposits at $1.8B as of June 30, 2025.
Cost of funds declined by 20 basis points to 3.29% during the quarter.
Noninterest and low-cost deposits grew by $6M; reliance on non-core deposits reduced by 19%.
Outlook and guidance
Management expects low single-digit loan growth for the remainder of the year, with a robust pipeline and stable or improving net interest margin as $152M in CDs reprice.
Operating expense run rate projected at $12.6M for Q4 2025, with additional reductions expected.
Profitability goals for 2026 include targeting a 1% ROA and double-digit ROE.
Sufficient liquidity and capital are expected to meet current and future obligations.
Ongoing focus on core banking, technology, and risk management in CRE lending.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next MainStreet Bancshares earnings date
Q3 202527 Oct, 2025
Next MainStreet Bancshares earnings date
Q3 202527 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
MainStreet Bancshares, Inc. is the bank holding company for MainStreet Bank, which provides a range of banking products and services primarily targeted at individuals, small to medium-sized businesses, and professional organizations. The company's offerings include various deposit accounts like demand, money market, and certificates of deposit, along with commercial and consumer loans, including real estate and equipment financing. Additionally, MainStreet Bank provides cash management services, online and mobile banking solutions, and payment processing services, particularly for financial technology companies. Headquartered in Fairfax, Virginia, the bank operates multiple branches in the Washington, D.C. metropolitan area. The company's shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage