For the year ending 2025-12-31, MNSB made $2,184K in revenue. $13,457K in net income. Net profit margin of 616.16%.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Deposit account service charges | 2,184 | 1,996 | ||
| Bank owned life insurance income | 1,245 | 1,189 | ||
| Loan swap fee income | - | 0 | ||
| Gain on retirement of subordinated debt | 273 | - | ||
| Net loss on securities called or matured | 0 | -48 | ||
| Net loss on sale of loans | - | 0 | ||
| Gain on equity securities | 103 | - | ||
| Other fee income | 222 | 115 | ||
| Total non-interest income | 4,027 | 3,252 | ||
| Interest and fees on loans | 124,211 | 125,177 | ||
| U.s. government agencies and corporations | 134 | 151 | ||
| Mortgage-backed securities | 341 | 374 | ||
| Tax-exempt securities | 1,076 | 1,093 | ||
| Taxable securities | 247 | 256 | ||
| Other | 985 | 912 | ||
| Interest on interest-bearing deposits at other financial institutions | 54 | - | ||
| Interest on federal funds sold | 4,540 | 6,652 | ||
| Total interest income | 131,588 | 134,615 | ||
| Interest on interest-bearing demand deposits | 4,187 | 8,661 | ||
| Interest on savings and now deposits | 1,469 | 754 | ||
| Interest on money market deposits | 18,852 | 21,386 | ||
| Interest on time deposits | 34,239 | 37,364 | ||
| Interest on federal funds purchased | 93 | 575 | ||
| Interest on federal home loan bank advances | 0 | 46 | ||
| Interest on subordinated debt | 3,203 | 3,255 | ||
| Total interest expense | 62,043 | 72,041 | ||
| Net interest income | 69,545 | 62,574 | ||
| Provision for credit losses - loans | -118 | 7,485 | ||
| Provision for credit losses - off-balance sheet credit exposure | 48 | -722 | ||
| Net interest income after provision for credit losses | 69,615 | 55,811 | ||
| Salaries and employee benefits | 31,587 | 30,475 | ||
| Furniture and equipment expenses | 3,840 | 3,636 | ||
| Advertising and marketing | 2,051 | 2,199 | ||
| Occupancy expenses | 1,407 | 1,614 | ||
| Outside services | 3,776 | 3,627 | ||
| Franchise tax | 2,098 | 2,226 | ||
| Fdic insurance | 2,135 | 1,342 | ||
| Data processing | 1,471 | 1,354 | ||
| Administrative expenses | 996 | 929 | ||
| Other real estate expenses, net | - | 0 | ||
| Computer software intangible impairment | 0 | 19,721 | ||
| Other operating expenses | 5,190 | 5,844 | ||
| Total non-interest expense | 54,551 | 72,967 | ||
| Income (loss) before income taxes | 19,091 | -13,904 | ||
| Income tax expense (benefit) | 3,478 | -3,924 | ||
| Net income (loss) | 15,613 | -9,980 | ||
| Preferred stock dividends | 2,156 | - | ||
| Net income (loss) available to common shareholders | 13,457 | - | ||
| Basic EPS | 1.76 | -1.6 | ||
| Diluted EPS | 1.76 | -1.6 | ||
| Basic Average Shares | 7,652,504 | 7,606,391 | ||
MainStreet Bancshares, Inc. (MNSB)
MainStreet Bancshares, Inc. (MNSB)