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Visual21 Nov 2025
Data center suppliers
MainStreet Bancshares (MNSB) investor relations material
MainStreet Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.52 million, rebounding from prior losses and up from $0.3 million in Q3 2024, driven by higher net interest income and lower expenses.
Core net interest margin increased to 3.54%, reflecting a well-structured balance sheet amid changing rates.
The company pivoted away from certain BaaS operations, incurring nonrecurring costs but improving core banking profitability.
Maintained strong liquidity and capital positions, with a liquidity coverage ratio of 147% and tangible equity/tangible assets at 10.28%.
Continued focus on core revenue generation and expense control, with a projected expense run rate of $4.26 million per month for the remainder of 2025.
Financial highlights
Net interest income for Q3 2025 was $17.2 million, with total revenue at $18.2 million and net interest margin (FTE) at 3.42%.
Noninterest expense decreased to $12.7 million in Q3 2025, reflecting cost management.
EPS for Q3 2025 was $0.52, up from $0.25 in Q1 2025 and a loss in Q4 2024.
ROAA improved to 0.85% in Q3 2025, with return on average equity at 8.33%.
Tangible/book value per share reached $24.81 at quarter-end.
Outlook and guidance
Loan growth projected at 1-2% for the remainder of 2025.
Management expects continued strong performance, focusing on core revenue and expense discipline.
FDIC insurance expense expected to normalize after temporary deposit growth.
The balance sheet is positioned to benefit from current and anticipated rate changes.
The company believes it has sufficient liquidity and capital to meet current and future obligations.
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Next MainStreet Bancshares earnings date
Q4 202527 Jan, 2026
Next MainStreet Bancshares earnings date
Q4 202527 Jan, 2026
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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.
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