---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-001794"
form_type: "8-K"
ticker: "MNSB"
cik: "0001693577"
company_name: "MainStreet Bancshares, Inc."
filed_at: "2024-01-22T23:59:59+00:00"
generated_at: "2026-06-06T20:43:24.015937+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# MainStreet Bancshares reports $26.6M net income for 2023; EPS $3.25

## Summary
- Full-year 2023 net income $26.6M; diluted EPS $3.35 (GAAP $3.25).
- ROAE 12.66%, ROAA 1.38%, net interest margin (tax-equiv) 4.08%.
- Core deposits rose to 74% in Q4 from 68% in Q3; wholesale deposits fell to 24%.
- Net loans up 8% YoY to $1.73B; tangible book value per share $23.86.
- Earnings call cancelled due to temporary illness; investor meetings arranged via email.

## SEC filing metadata
- accession: 0001437749-24-001794
- form_type: 8-K
- ticker: MNSB
- cik: 0001693577
- company_name: MainStreet Bancshares, Inc.
- filed_at: 2024-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1693577/000143774924001794/0001437749-24-001794-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1693577/000143774924001794/main20231115_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-001794
- JSON: https://secwatch.observer/filing/0001437749-24-001794.json
- Plain text: https://secwatch.observer/filing/0001437749-24-001794.txt

## Key facts
- Earnings Releases
  MainStreet Bancshares, Inc. reported the year ended December 31, 2023, and fourth quarter ended December 31, 2023 results: net income $26.6 million, EPS $3.25.
  - Period: the year ended December 31, 2023, and fourth quarter ended December 31, 2023
  - Net income: $26.6 million
  - EPS: $3.25
  - Result: reported results
  source text: MainStreet Bancshares, Inc. (the “Company”) issued a press release setting forth the Company’s fourth quarter and year-to-date ended December 31, 2023, unaudited financial results.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1693577/000143774924001794/0001437749-24-001794-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.