MainStreet Bancshares, Inc.
ir.mstreetbank.comWhat Do They Do?
Provides deposit accounts and commercial, mortgage and consumer loans to individuals, small and midsize businesses, and professionals.
10-K for FY2025, filed Mar 13, 2026We are a community-oriented financial institution. Our Bank offers a wide range of commercial and consumer loan and deposit products, as…View ↗
Our products and services include: business and consumer checking, premium interest-bearing checking, business account analysis, savings…View ↗
The Bank is a community bank focused on serving the borrowing, cash management and depository needs of retail customers, small to…View ↗
How Do They Make Money?
Most revenue comes from loans and investments; the bank also earns fees from overdrafts, account maintenance, transaction services and card transactions. Overdraft and transaction fees are earned when they happen, monthly account fees over the month, and card interchange fees as transactions are processed.
10-K for FY2025, filed Mar 13, 2026The chief operating decision maker evaluates the financial performance of the Company’s business components such as by evaluating revenue…View ↗
Deposit Account Service Charges. The Company earns fees from its deposit customers for overdraft and account maintenance services.…View ↗
Other Service Charges and Fees. The Company earns fees from its customers for transaction-based services. Such services include safe…View ↗
Interchange Income. The Company earns interchange fees from debit and credit cardholder transactions conducted through various payment…View ↗
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10-K for FY2025, filed Mar 13, 2026
FY2025 revenue by reportable segment ↗
$135.6M
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10-K for FY2025, filed Mar 13, 2026
$135.6M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Core Banking Segment
|
99%
FY2022: 98%
|
Core Banking Segment, FY2025
$134.3M Sources
|
|
|
Financial Technology Segment
Usage-based
|
1.0%
FY2022: 2.4%
|
Financial Technology Segment, FY2025
$1.3M Sources
|
Usage-based |
Who Are Their Customers?
Individuals, small and midsize businesses, and professional service organizations use its deposit, loan and cash-management services through branches and electronic banking channels.
10-K for FY2025, filed Mar 13, 2026MainStreet Bank is a community commercial bank incorporated in and chartered by the Commonwealth of Virginia. The Bank is a member of the…View ↗
The Bank is a community bank focused on serving the borrowing, cash management and depository needs of retail customers, small to…View ↗
We offer a full range of banking services to individuals, small to medium-sized businesses and professional service organizations through…View ↗
Our products and services include: business and consumer checking, premium interest-bearing checking, business account analysis, savings…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 12 cents of every revenue dollar as net income in FY2025 and turned 8 cents into free cash flow.
10-K for FY2025, filed Mar 13, 2026
$15.6MView ↗
10-K for FY2025, filed Mar 13, 2026
$10.6MView ↗
How Are They Changing?
Growing. Revenue grew 55.9x in 4 years, from $2.4M in FY2021 to $135.6M in FY2025, about 173% a year.
Fintech exit
The older report described Avenu as an embedded banking and software offering for fintech partners; the latest says the company shut down its financial technology segment as it pivots away from some banking-as-a-service operations.
10-K for FY2022, filed Mar 23, 2023 10-K for FY2025, filed Mar 13, 2026On October 25, 2021, MainStreet Bancshares, Inc. formally introduced Avenu™, a division of MainStreet Bank. Avenu™ will provide an embedded…View ↗
The Company’s reportable segments are determined by the CFO, who is the designated chief operating decision maker, based upon information…View ↗
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