**MainStreet Bancshares, Inc. Reports Fiscal Year 2025 Results**
MainStreet Bancshares, Inc., a financial holding company primarily managing MainStreet Bank, reported a net income of $15.6 million for the year ended December 31, 2025, a significant turnaround from the net loss of $10.0 million reported for the previous fiscal year. This improvement was largely driven by a decrease in interest expense and non-interest expenses, which fell by $10.0 million and $18.4 million, respectively. The company's return on average assets stood at 0.73%, while the return on average equity was 7.33% for the year.
The company's net interest income before provision for credit losses increased to $69.5 million, compared to $62.6 million in the prior year. The net interest margin also saw an increase, rising to 3.46% from 3.13%, primarily due to lower interest expenses on interest-bearing liabilities. However, the yield on the loan portfolio decreased slightly to 6.82% from 7.02% in the previous year, reflecting the repricing of variable-rate loans in a lower interest rate environment. The provision for credit losses saw a significant decrease, with a recovery of credit loss of $0.1 million compared to a provision of $7.5 million in the previous year.
Strategic developments for MainStreet Bancshares included the acquisition of property in Middleburg, VA, with retail banking operations commencing in February 2026. The company also continued its focus on community development through MainStreet Community Capital, LLC, a community development entity. As of December 31, 2025, the company employed 171 full-time employees and operated seven bank branches in Northern Virginia and Washington D.C.
Looking ahead, management expressed confidence in the company's ability to build on its core performance and continue to grow profitably. As of December 31, 2025, MainStreet Bancshares, Inc. had total consolidated assets of $2.21 billion, total net loans of $1.8 billion, total deposits of $1.9 billion, and total stockholders’ equity of $218.6 million. The company remains focused on growing business relationships, building core deposits, loans, and non-interest income, with a goal of being the leading community bank in its markets.
About MainStreet Bancshares, Inc.
MainStreet Bancshares, Inc. is a Virginia-based financial holding company owning MainStreet Bank, a community bank serving Northern Virginia and the Washington, D.C. area. It offers personalized banking services, including loans, deposits, and digital banking solutions, with a focus on small to medium-sized businesses and individuals. The company emphasizes community development, technological innovation, and a strong capital position to support organic growth and competitive differentiation.
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