| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 30,688 | 32,443 | ||
| Mortgage-backed securities | 85 | 94 | ||
| U.s. government agencies | - | 34 | ||
| Tax-exempt securities-USStates And Political Subdivisions | 270 | 267 | ||
| Taxable securities-USStates And Political Subdivisions | 64 | 64 | ||
| Other | 286 | 239 | ||
| Interest on interest-bearing deposits at other financial institutions | 11 | 932 | ||
| Interest on federal funds sold | 1,060 | 213 | ||
| Total interest income | 32,464 | 34,286 | ||
| Interest on interest-bearing demand deposits | 1,071 | 1,004 | ||
| Interest on savings and now deposits | 467 | 391 | ||
| Interest on money market deposits | 4,623 | 4,707 | ||
| Interest on time deposits | 8,369 | 8,595 | ||
| Interest on federal funds purchased | 28 | 0 | ||
| Interest on federal home loan bank advances | 0 | 0 | ||
| Interest on subordinated debt | 804 | 799 | ||
| Total interest expense | 15,362 | 15,496 | ||
| Net interest income | 17,102 | 18,790 | ||
| Provision for credit losses - loans | -66 | -528 | ||
| Provision for credit losses - off-balance sheet credit exposure | 210 | -15 | ||
| Net interest income after provision for credit losses | 16,958 | 19,333 | ||
| Deposit account service charges | 557 | 538 | ||
| Bank owned life insurance income | 316 | 308 | ||
| Gain on retirement of subordinated debt | 145 | 68 | ||
| Net loss on securities called or matured | 0 | 0 | ||
| Gain on equity securities | 0 | 103 | ||
| Other non-interest income | 104 | 49 | ||
| Total non-interest income | 1,122 | 1,066 | ||
| Salaries and employee benefits | 7,366 | 8,279 | ||
| Furniture and equipment expenses | 799 | 1,141 | ||
| Advertising and marketing | 571 | 530 | ||
| Occupancy expenses | 400 | 318 | ||
| Outside services | 625 | 1,290 | ||
| Franchise tax | 524 | 524 | ||
| Fdic insurance | 560 | 850 | ||
| Data processing | 375 | 357 | ||
| Administrative expenses | 259 | 270 | ||
| Other operating expenses | 1,188 | 1,186 | ||
| Total non-interest expense | 12,667 | 14,745 | ||
| Income before income taxes | 5,413 | 5,654 | ||
| Income tax expense (benefit) | 896 | 1,064 | ||
| Net income | 4,517 | 4,590 | ||
| Basic and diluted earnings (loss) per common share (in dollars per share) | 0.52 | 0.53 | ||
| Diluted (in dollars per share) | 0.52 | 0.53 | ||
| Weighted average number of common shares issued, basic and diluted (in shares) | 7,704,639 | 7,704,677 | ||
MainStreet Bancshares, Inc. (MNSBP)
MainStreet Bancshares, Inc. (MNSBP)