For the year ending 2025-12-31, MNSB had -$44,952K decrease in cash & cash equivalents over the period. $10,637K in free cash flow.
| Cash Flow | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income (loss) | 15,613 | -9,980 |
| Depreciation, amortization, and accretion, net | 4,396 | 3,683 |
| Amortization of right-of-use assets | 544 | 504 |
| Amortization of intangible assets | 0 | 447 |
| Deferred income tax benefit | -642 | -4,528 |
| Loss on sale of other real estate owned | - | 0 |
| Loss on valuation of other real estate owned | - | 0 |
| Loss on loans held for sale | - | 0 |
| Gain on retirement of subordinated debt | 273 | - |
| Loss on new market tax credit investment operations | 0 | 0 |
| Gain on disposal of premises and equipment | 53 | 99 |
| Realized loss on securities called or matured | 0 | -48 |
| Provision for credit losses, net | -70 | 6,763 |
| Stock based compensation expense | 2,586 | 2,838 |
| Income from bank owned life insurance | 1,245 | 1,189 |
| Subordinated debt amortization expense | 397 | 397 |
| Impairment of intangible assets, finite-lived | 0 | 19,721 |
| Accrued interest receivable and other receivables | 3,207 | -1,079 |
| Other assets | -11,129 | 4,794 |
| Other liabilities | -14,364 | -150 |
| Net cash provided by operating activities | 14,811 | 14,740 |
| Payments, available-for-sale securities | 2,931 | 2,540 |
| Maturities, sales, called, refunded | 1,500 | 1,445 |
| Purchases, available-for-sale securities | 4,400 | 445 |
| Purchases | 1,519 | 400 |
| Maturities, called, refunded | 3,745 | 1,520 |
| Purchases of equity securities | 3,532 | 8,241 |
| Purchases of restricted investment in bank stock | 132 | 1,624 |
| Redemption of restricted investment in bank stock | 0 | 1,425 |
| Net increase in loan portfolio | 40,539 | 142,482 |
| Proceeds from sale of other real estate owned | - | 0 |
| Proceeds from sale of loans | 7,683 | 29,578 |
| Proceeds from sale of premises and equipment | 53 | 195 |
| Purchase of premises and equipment, including property held for sale | 4,174 | 909 |
| Computer software developed | 0 | 4,880 |
| Net cash used in investing activities | -38,384 | -122,278 |
| Net increase (decrease) in non-interest-bearing deposits | 54,387 | -40,299 |
| Net increase (decrease) in interest-bearing demand, savings, now, money market and time deposits | -62,997 | 261,966 |
| Net decrease in federal home loan bank advances | 0 | 0 |
| Net increase (decrease) in federal funds purchased | 0 | 15,000 |
| Net increase in subordinated debt | - | 0 |
| Net decrease in subordinated debt | 3,227 | - |
| Repurchase of common stock | 4,336 | 732 |
| Cash dividends paid on preferred stock | 2,156 | 2,156 |
| Cash dividends paid on common stock | 3,050 | 3,046 |
| Net cash (used in) provided by financing activities | -21,379 | 200,733 |
| Increase (decrease) in cash and cash equivalents, net | -44,952 | 93,195 |
| Cash and cash equivalents, beginning of period | 207,708 | 114,513 |
| Cash and cash equivalents, end of period | 162,756 | 207,708 |
MainStreet Bancshares, Inc. (MNSB)
MainStreet Bancshares, Inc. (MNSB)