{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-028716","form_type":"8-K","ticker":"MNSB","cik":"0001693577","company_name":"MainStreet Bancshares, Inc.","filed_at":"2023-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.084235+00:00","generated_at":"2026-06-09T16:51:54.299078+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 Q3 net income $6.3M in line; nine-month earnings +12.3% YoY","bullets":["Q3 net income $6.3M; YTD EPS $2.64; cumulative net income $21.4M, up 12.3% from 2022.","Annualized returns (nine months): ROAE 13.80%, ROAA 1.50%, NIM 4.28%, efficiency ratio 55.06%.","Tangible book value per common share $23.00; ACL 1.01%; core deposit ratio 68%; FDIC insured deposits 76%.","Avenu SaaS solution identified first client: SafariPay via PaySii, expected avg balances of $4M.","Liquidity Coverage Ratio 164%; balance sheet positioned for stable/declining rate environment."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-028716","json":"https://secwatch.observer/filing/0001437749-23-028716.json","markdown":"https://secwatch.observer/filing/0001437749-23-028716.md","text":"https://secwatch.observer/filing/0001437749-23-028716.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1693577/000143774923028716/0001437749-23-028716-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1693577/000143774923028716/main20230817_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T16:51:54.299078+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":"8ee8aa522d006a6b885e1d7c1ada96c7b1f1d125","claim":"MainStreet Bancshares, Inc. reported third quarter and year-to-date ended September 30, 2023 results: net income $6.3 million.","evidence_excerpt":"MainStreet Bancshares, Inc. (the \"Company\") issued a press release setting forth the Company's third quarter and year-to-date ended September 30, 2023, unaudited financial results.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1693577/000143774923028716/0001437749-23-028716-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter and year-to-date ended September 30, 2023"},{"label":"Net income","value":"$6.3 million"},{"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"}