{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-020493","form_type":"8-K","ticker":"MNSB","cik":"0001693577","company_name":"MainStreet Bancshares, Inc.","filed_at":"2023-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.885281+00:00","generated_at":"2026-06-13T04:17:12.375425+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"MainStreet Bancshares Q2 net income $6.9M, up 17% YoY; EPS $1.86, margin 4.45%","bullets":["Net income $6.9M in Q2 2023, up 17.1% YoY; diluted EPS $1.86.","Net interest margin (tax-equivalent) 4.45%; ROAA 1.60%, ROAE 14.87%.","Loan portfolio $1.66B, up 15.7% YoY and 1.3% QoQ; net charge-offs $0.","Efficiency ratio 53.48%; tangible book value $22.73 per common share.","Avenu embedded banking platform onboarded first client; expected to accelerate deposit growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-020493","json":"https://secwatch.observer/filing/0001437749-23-020493.json","markdown":"https://secwatch.observer/filing/0001437749-23-020493.md","text":"https://secwatch.observer/filing/0001437749-23-020493.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1693577/000143774923020493/0001437749-23-020493-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1693577/000143774923020493/main20230525_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T04:17:12.375425+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"bd270a74c2283db95409537072e67810309e7790","claim":"MainStreet Bancshares, Inc. reported the quarter ended June 30, 2023 results: net income $6.9 million, EPS $1.86.","evidence_excerpt":"reported net income of $6.9 million for the quarter ended June 30, 2023, in line with expectations. This represents a 17.1% increase from the year-earlier second quarter. Performance through the first half of 2023 remains very strong (returns are annualized): Return on average assets: 1.60% Return on average equity: 14.87% Net interest margin (tax equivalent): 4.45% Efficiency ratio: 53.48% Allowance for credit losses: 1.04% Liquidity coverage ratio: 124% Core deposit ratio: 74% FDIC insured deposits / total deposits: 76% Net charge-offs: $0 Earnings per common share: $1.86","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1693577/000143774923020493/0001437749-23-020493-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$6.9 million"},{"label":"EPS","value":"$1.86"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}