For the quarter ending 2026-03-31, MNSBP had $5,359K increase in cash & cash equivalents over the period. $6,502K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 4,100 | 4,053 | 4,517 | 7,043 |
| Depreciation, amortization, and accretion, net | 959 | 1,101 | 1,103 | 2,192 |
| Amortization of right-of-use assets | 128 | 160 | 94 | 290 |
| Amortization of intangible assets | - | 0 | - | - |
| Deferred income tax expense (benefit) | 159 | -840 | 410 | -212 |
| Gain on retirement of subordinated debt | 0 | 0 | 145 | 128 |
| Loss on securities called | - | - | 0 | 0 |
| Loss on new market tax credit investment operations | - | 0 | - | - |
| Loss on sale of other real estate owned | -685 | - | - | - |
| Loss on disposal of premises and equipment | -2 | 18 | 35 | 0 |
| Realized loss on securities called or matured | - | 0 | - | - |
| Provision for credit losses, net | -131 | 328 | 145 | -543 |
| Stock-based compensation expense | 599 | 701 | 642 | 1,243 |
| Income from bank owned life insurance | 319 | 319 | 316 | 610 |
| Subordinated debt amortization expense | 99 | 99 | 99 | 199 |
| Impairment of intangible assets, finite-lived | - | 0 | - | - |
| Accrued interest receivable and other receivables | -1,065 | 896 | -1,401 | 3,712 |
| Other assets | -535 | -2,857 | -3,656 | -4,616 |
| Proceeds from sale of premises and equipment | - | 18 | 35 | 0 |
| Other liabilities | -1,278 | -649 | -5,982 | -7,733 |
| Proceeds from sale of loans | - | 0 | 0 | 7,683 |
| Net cash provided by operating activities | 6,603 | 6,577 | 5,589 | 2,645 |
| Payments, available-for-sale securities | 412 | 898 | 738 | 1,295 |
| Calls | - | - | 500 | 0 |
| Maturities, sales, called, refunded | 250 | 1,500 | - | - |
| Purchases, available-for-sale securities | 0 | 765 | 2,132 | 1,503 |
| Purchases | - | 1,015 | 0 | 504 |
| Maturities, called, refunded | 0 | 1,500 | 540 | 1,705 |
| Computer software developed | - | 0 | 0 | 0 |
| Purchases of equity securities | 0 | 0 | 0 | 3,532 |
| Purchases of restricted investment in bank stock | 0 | 0 | 0 | 132 |
| Redemption of restricted investment in bank stock | 7 | 0 | 0 | 0 |
| Net increase in loan portfolio | 10,222 | 55,762 | 20,746 | -35,969 |
| Proceeds from sale of other real estate owned | 1,012 | - | - | - |
| Purchase of premises and equipment, including property held for sale | 101 | 159 | 138 | 3,877 |
| Net cash used in investing activities | -8,642 | -54,285 | -21,203 | 37,104 |
| Net (decrease) increase in non-interest bearing demand deposits | -19,581 | 53,977 | -5,328 | 5,738 |
| Net increase (decrease) in interest-bearing demand, savings, now, money market and time deposits | 35,122 | 34,372 | 17,616 | -114,985 |
| Net decrease in federal home loan bank advances | - | 0 | - | - |
| Net increase (decrease) in federal funds purchased | - | 0 | 0 | 0 |
| Net decrease in subordinated debt | 0 | 0 | 1,355 | 1,872 |
| Cash dividends paid on preferred stock | 539 | 539 | 539 | 1,078 |
| Cash dividends paid on common stock | 758 | 750 | 770 | 1,530 |
| Repurchase of common stock for tax withholding on stock-based compensation | 766 | - | - | - |
| Repurchases of common stock | 6,080 | 3,890 | 0 | 446 |
| Net cash provided by (used in) financing activities | 7,398 | 83,170 | 9,624 | -114,173 |
| Increase (decrease) in cash and cash equivalents | 5,359 | 35,462 | -5,990 | -74,424 |
| Cash and cash equivalents, beginning of period | 162,756 | 127,294 | 207,708 | - |
| Cash and cash equivalents, end of period | 168,115 | 162,756 | 127,294 | - |
MainStreet Bancshares, Inc. (MNSBP)
MainStreet Bancshares, Inc. (MNSBP)