| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 11,560 | 7,043 |
| Depreciation, amortization, and accretion, net | 3,295 | 2,192 |
| Amortization of right-of-use assets | 384 | 290 |
| Deferred income tax expense (benefit) | 198 | -212 |
| Gain on retirement of subordinated debt | 273 | 128 |
| Loss on securities called | 0 | 0 |
| Gain on disposal of premises and equipment | 35 | 0 |
| (recovery of) provision for credit losses, net | -398 | -543 |
| Stock based compensation expense | 1,885 | 1,243 |
| Income from bank owned life insurance | 926 | 610 |
| Subordinated debt amortization expense | 298 | 199 |
| Accrued interest receivable and other receivables | 2,311 | 3,712 |
| Other assets | -8,272 | -4,616 |
| Other liabilities | -13,715 | -7,733 |
| Net cash provided by operating activities | 8,234 | 2,645 |
| Payments, available-for-sale securities | 2,033 | 1,295 |
| Calls | 500 | 0 |
| Purchases, available-for-sale securities | 3,635 | 1,503 |
| Calls and maturities | 2,245 | 1,705 |
| Purchases | 504 | 504 |
| Purchases of restricted securities | 3,532 | 3,532 |
| Purchases of restricted investment in bank stock | 132 | 132 |
| Redemption of restricted investment in bank stock | 0 | 0 |
| Net decrease (increase) in loan portfolio | -15,223 | -35,969 |
| Proceeds from sale of loans | 7,683 | 7,683 |
| Proceeds from sale of premises and equipment | 35 | 0 |
| Purchase of premises and equipment, including property held for sale | 4,015 | 3,877 |
| Computer software developed | 0 | 0 |
| Net cash provided by (used in) investing activities | 15,901 | 37,104 |
| Net increase (decrease) in non-interest bearing demand deposits | 410 | 5,738 |
| Net (decrease) increase in interest bearing demand, savings, money market, and time deposits | -97,369 | -114,985 |
| Net decrease in federal funds purchased | 0 | 0 |
| Retirement of subordinated debt | 3,227 | 1,872 |
| Cash dividends paid on preferred stock | 1,617 | 1,078 |
| Cash dividends paid on common stock | 2,300 | 1,530 |
| Repurchases of common stock | 446 | 446 |
| Net cash (used in) provided by financing activities | -104,549 | -114,173 |
| (decrease) increase in cash and cash equivalents | -80,414 | -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. (MNSBP)
MainStreet Bancshares, Inc. (MNSBP)