For the year ending 2025-12-31, MNSBP has $2,212,669K in assets. $1,994,078K in debts.
| Balance Sheets | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Cash and due from banks | 25,179 | 47,553 | ||
| Interest-bearing deposits at other financial institutions | 1,276 | - | ||
| Federal funds sold | 136,301 | 160,155 | ||
| Cash and cash equivalents | 162,756 | 207,708 | ||
| Investment securities available-for-sale (afs), at fair value | 57,954 | 55,747 | ||
| Investment securities held-to-maturity (htm), at amortized cost, net of allowance for credit losses of 0 and 0, respectively | 13,798 | 16,078 | ||
| Restricted securities, at amortized cost | 7,005 | 30,623 | ||
| Residential Portfolio Segment-Single Family | - | 204,357 | ||
| Multifamily-Residential Portfolio Segment | - | 234,884 | ||
| Farmland-Residential Portfolio Segment | - | 240 | ||
| Commercial Real Estate Portfolio Segment-Owneroccupied | - | 357,724 | ||
| Commercial Real Estate Portfolio Segment-Nonowner Occupied | - | 560,056 | ||
| Construction And Land Development | - | 393,385 | ||
| Commercial And Industrial-Commercial Portfolio Segment | - | 82,778 | ||
| Consumer Portfolio Segment-Unsecured Non Real Estate | - | 343 | ||
| Consumer Portfolio Segment-Secured | - | 1,231 | ||
| Gross loans | 1,865,315 | 1,834,998 | ||
| Less unearned fees | 4,174 | 4,992 | ||
| Less allowance for credit losses on loans | 19,308 | 19,450 | ||
| Loans, net of allowance for credit losses of 19,308 and 19,450, respectively | 1,841,833 | 1,810,556 | ||
| Premises and equipment, gross | 25,062 | - | ||
| Less accumulated depreciation | 11,532 | - | ||
| Premises and equipment, net | 13,530 | 13,287 | ||
| Property held for sale, at fair value | 2,806 | - | ||
| Other real estate owned, net | 1,697 | - | ||
| Accrued interest and other receivables | 14,518 | 11,311 | ||
| Computer software, net of amortization | - | 0 | ||
| Bank owned life insurance | 40,752 | 39,507 | ||
| Other assets | 56,020 | 43,281 | ||
| Total assets | 2,212,669 | 2,228,098 | ||
| Non-interest bearing deposits | 378,694 | 324,307 | ||
| Interest-bearing demand deposits | 119,407 | 139,780 | ||
| Savings and now deposits | 121,905 | 64,337 | ||
| Money market deposits | 499,334 | 560,082 | ||
| Time deposits | 779,844 | 819,288 | ||
| Total deposits | 1,899,184 | 1,907,794 | ||
| Federal funds purchased | - | 0 | ||
| Subordinated debt, net | 69,936 | 73,039 | ||
| Allowance for credit losses on off-balance sheet credit exposure | 335 | 287 | ||
| Other liabilities | 24,623 | 38,987 | ||
| Total liabilities | 1,994,078 | 2,020,107 | ||
| Preferred stock, 1.00 par value, 2,000,000 shares authorized non-cumulative perpetual 28,750 issued and outstanding as of december 31, 2025 and december 31, 2024 | 27,263 | 27,263 | ||
| Common stock, 4.00 par value, 15,000,000 shares authorized issued and outstanding 7,496,571 shares (including 244,964 non-vested shares) for december 31, 2025 and 7,603,765 shares (including 237,717 non-vested shares) for december 31, 2024 | 29,008 | 29,466 | ||
| Capital surplus | 66,531 | 67,823 | ||
| Retained earnings | 101,557 | 91,150 | ||
| Accumulated other comprehensive loss | -5,768 | -7,711 | ||
| Total stockholders equity | 218,591 | 207,991 | ||
| Total liabilities and stockholders equity | 2,212,669 | 2,228,098 | ||
MainStreet Bancshares, Inc. (MNSBP)
MainStreet Bancshares, Inc. (MNSBP)