For the quarter ending 2025-09-30, MNSB had -$5,990K decrease in cash & cash equivalents over the period. $5,451K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 4,517 | 7,043 |
| Depreciation, amortization, and accretion, net | 1,103 | 2,192 |
| Amortization of right-of-use assets | 94 | 290 |
| Deferred income tax expense (benefit) | 410 | -212 |
| Gain on retirement of subordinated debt | 145 | 128 |
| Loss on securities called | 0 | 0 |
| Gain on disposal of premises and equipment | 35 | 0 |
| (recovery of) provision for credit losses, net | 145 | -543 |
| Stock based compensation expense | 642 | 1,243 |
| Income from bank owned life insurance | 316 | 610 |
| Subordinated debt amortization expense | 99 | 199 |
| Accrued interest receivable and other receivables | -1,401 | 3,712 |
| Other assets | -3,656 | -4,616 |
| Other liabilities | -5,982 | -7,733 |
| Net cash provided by operating activities | 5,589 | 2,645 |
| Payments, available-for-sale securities | 738 | 1,295 |
| Calls | 500 | 0 |
| Purchases, available-for-sale securities | 2,132 | 1,503 |
| Calls and maturities | 540 | 1,705 |
| Purchases | 0 | 504 |
| Purchases of restricted securities | 0 | 3,532 |
| Purchases of restricted investment in bank stock | 0 | 132 |
| Redemption of restricted investment in bank stock | 0 | 0 |
| Net decrease (increase) in loan portfolio | 20,746 | -35,969 |
| Proceeds from sale of loans | 0 | 7,683 |
| Proceeds from sale of premises and equipment | 35 | 0 |
| Purchase of premises and equipment, including property held for sale | 138 | 3,877 |
| Computer software developed | 0 | 0 |
| Net cash provided by (used in) investing activities | -21,203 | 37,104 |
| Net increase (decrease) in non-interest bearing demand deposits | -5,328 | 5,738 |
| Net (decrease) increase in interest bearing demand, savings, money market, and time deposits | 17,616 | -114,985 |
| Net decrease in federal funds purchased | 0 | 0 |
| Retirement of subordinated debt | 1,355 | 1,872 |
| Cash dividends paid on preferred stock | 539 | 1,078 |
| Cash dividends paid on common stock | 770 | 1,530 |
| Repurchases of common stock | 0 | 446 |
| Net cash (used in) provided by financing activities | 9,624 | -114,173 |
| (decrease) increase in cash and cash equivalents | -5,990 | -74,424 |
| Cash and cash equivalents at beginning of period | 207,708 | - |
| Cash and cash equivalents at end of period | 127,294 | - |
MainStreet Bancshares, Inc. (MNSB)
MainStreet Bancshares, Inc. (MNSB)