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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$552K
Net Income
$4,668K
Net Profit Margin
845.65%
EPS
$0.58
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Deposit account service charges
552
573
542*
557
Bank owned life insurance income
325
319
309*
316
Loss on retirement of subordinated debt
0
0
-46*
145
Net loss on securities called or matured
-
-
0*
0
Loss on sale of other real estate owned
0
-685
-
-
Loss on equity securities
0
-
-51*
0
Other non-interest income
17
200
-7*
104
Total non-interest income
894
407
745*
1,122
Interest and fees on loans
30,738
29,518
28,020*
30,688
U.s. government agencies
22
23
32*
-
Mortgage-backed securities
82
84
73*
85
Tax-exempt securities
289
287
271*
270
Taxable securities
55
55
55*
64
Other
264
256
127*
286
Interest on interest-bearing deposits at other financial institutions
10
10
-1,360*
11
Interest on federal funds sold
630
985
2,631*
1,060
Total interest income
32,090
31,218
29,847*
32,464
Interest on interest-bearing demand deposits
862
890
1,075*
1,071
Interest on savings and now deposits
421
389
182*
467
Interest on money market deposits
4,487
3,991
4,857*
4,623
Interest on time deposits
7,158
7,650
8,793*
8,369
Interest on federal funds purchased
84
25
51*
28
Interest on federal home loan bank advances
-
-
0*
0
Interest on subordinated debt
846
779
799*
804
Total interest expense
13,858
13,724
15,756*
15,362
Net interest income
18,232
17,494
14,091*
17,102
Provision for credit gaines - loans
243
0
773*
-66
Provision for off-balance sheet credit gaines, net
342
-131
-244*
210
Net interest income after provision for credit losses
17,647
17,625
13,562*
16,958
Salaries and employee benefits
7,505
7,551
8,120*
7,366
Furniture and equipment expenses
768
758
930*
799
Advertising and marketing
379
296
400*
571
Occupancy expenses
252
365
330*
400
Outside services
445
460
904*
625
Franchise tax
551
551
526*
524
Fdic insurance
480
390
20*
560
Data processing
343
367
373*
375
Administrative expenses
207
241
203*
259
Computer software intangible impairment
-
-
0*
-
Other real estate owned expenses
24
220
-
-
Other operating expenses
1,562
1,475
1,629*
1,188
Total non-interest expense
12,516
12,674
13,433*
12,667
Income before income taxes
6,025
5,358
874*
5,413
Income tax expense
1,357
1,258
538*
896
Net income
4,668
4,100
336*
4,517
Preferred stock dividends
-
-
539*
-
Net income (loss) available to common shareholders
-
-
-203
-
Basic EPS
0.58
0.48
-0.027
0.52
Diluted EPS
0.58
0.48
0.44*
0.52
Basic Average Shares
7,177,264
7,484,310
7,548,196
7,704,639
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$30,738K
(-5.26%↓ Y/Y)
Interest on federal funds
sold
$630K
(195.77%↑ Y/Y)
Tax-exempt securities
$289K
(8.24%↑ Y/Y)
Other
$264K
(10.46%↑ Y/Y)
Mortgage-backed securities
$82K
(-12.77%↓ Y/Y)
Taxable securities
$55K
(-14.06%↓ Y/Y)
U.s. government
agencies
$22K
(-35.29%↓ Y/Y)
Interest on
interest-bearing deposits at...
$10K
(-98.93%↓ Y/Y)
Total interest income
$32,090K
(-6.40%↓ Y/Y)
Net interest income
$18,232K
(-2.97%↓ Y/Y)
Deposit account service
charges
$552K
(2.60%↑ Y/Y)
Bank owned life
insurance income
$325K
(5.52%↑ Y/Y)
Other non-interest
income
$17K
(-65.31%↓ Y/Y)
Total interest
expense
$13,858K
(-10.57%↓ Y/Y)
Net interest income
after provision for...
$17,647K
(-8.72%↓ Y/Y)
Total non-interest
income
$894K
(-16.14%↓ Y/Y)
Provision for off-balance
sheet credit gaines,...
$342K
(2380.00%↑ Y/Y)
Provision for credit
gaines - loans
$243K
(146.02%↑ Y/Y)
Interest on time deposits
$7,158K
(-16.72%↓ Y/Y)
Interest on money market
deposits
$4,487K
(-4.67%↓ Y/Y)
Interest on
interest-bearing demand deposits
$862K
(-14.14%↓ Y/Y)
Interest on subordinated
debt
$846K
(5.88%↑ Y/Y)
Interest on savings and
now deposits
$421K
(7.67%↑ Y/Y)
Interest on federal funds
purchased
$84K
Income before income
taxes
$6,025K
(6.56%↑ Y/Y)
Total non-interest
expense
$12,516K
(-15.12%↓ Y/Y)
Net income
$4,668K
(1.70%↑ Y/Y)
Income tax expense
$1,357K
(27.54%↑ Y/Y)
Salaries and employee
benefits
$7,505K
(-9.35%↓ Y/Y)
Other operating
expenses
$1,562K
(31.70%↑ Y/Y)
Furniture and equipment
expenses
$768K
(-32.69%↓ Y/Y)
Franchise tax
$551K
(5.15%↑ Y/Y)
Fdic insurance
$480K
(-43.53%↓ Y/Y)
Outside services
$445K
(-65.50%↓ Y/Y)
Advertising and marketing
$379K
(-28.49%↓ Y/Y)
Data processing
$343K
(-3.92%↓ Y/Y)
Occupancy expenses
$252K
(-20.75%↓ Y/Y)
Administrative expenses
$207K
(-23.33%↓ Y/Y)
Other real estate
owned expenses
$24K
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MainStreet Bancshares, Inc. (MNSBP)
MainStreet Bancshares, Inc. (MNSBP)