---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-012768"
form_type: "8-K"
ticker: "MNSB"
cik: "0001693577"
company_name: "MainStreet Bancshares, Inc."
filed_at: "2026-04-20T23:59:59+00:00"
generated_at: "2026-05-15T05:20:25.147127+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# MainStreet Bancshares Q1 net income $4.1M ($0.48 EPS); margin expands 9 bps to 3.47%

## Summary
- Net income $4.1M, diluted EPS $0.48; net interest margin expanded 9 bps to 3.47%.
- Executed buyback of 273,448 shares; book value per common share $25.63.
- Total deposits grew to $1.9B; core funding $1.4B; loan-to-deposit ratio 98%.
- Nonperforming assets 2.47% of total assets; loans 30-89 days past due and accruing 0.95%.
- Company remains strongly capitalized; net loans $1.85B, up from prior quarter.

## SEC filing metadata
- accession: 0001437749-26-012768
- form_type: 8-K
- ticker: MNSB
- cik: 0001693577
- company_name: MainStreet Bancshares, Inc.
- filed_at: 2026-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1693577/000143774926012768/0001437749-26-012768-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1693577/000143774926012768/main20260220_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-012768
- JSON: https://secwatch.observer/filing/0001437749-26-012768.json
- Plain text: https://secwatch.observer/filing/0001437749-26-012768.txt

## Key facts
- Earnings Releases
  MainStreet Bancshares, Inc. reported first quarter 2026 results: net income $4.1 million, EPS $0.48.
  - Period: first quarter 2026
  - Net income: $4.1 million
  - EPS: $0.48
  - Result: reported results
  source text: MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, reported a net income of $4.1 million for the quarter-ended March 31, 2026, resulting in earnings per common share of $0.48.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1693577/000143774926012768/0001437749-26-012768-index.htm

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