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MainStreet Bancshares, Inc. MNSB Common Equity Tier One Capital Ratio

Common Equity Tier One Capital Ratio at other companies

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Wintrust FinancialWTFC
$0.1+4.0%
Bankwell Financial Group logo
Bankwell Financial GroupBWFG
11.7%-0.5pp
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International BancsharesIBOC
23.6%+0.3pp
First Busey Corporation logo
First Busey CorporationBUSE
12.5%+0.3pp
Heritage Financial logo
Heritage FinancialHFWA
$0.13+5.8%
Princeton Bancorp, Inc. logo
Princeton Bancorp, Inc.BPRN
$0.13+5.2%

Other financials

Income statement

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Revenue$552.0K-98.4%
Net income$4.7M+1.7%
EPS (diluted)$0.64

Balance sheet

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Cash & equivalents$30.1M+44.2%
Total debt$5.9M-8.3%
Total equity$214.4M+0.5%
Total assets$2.2B+6.1%

Cash flow

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Operating cash flow$4.9M+314%
CapEx$96.0K-97.5%
Free cash flow$4.8M+285%

Valuation

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Market cap$168.19M+10.8%
P/E9.7×
P/S2.5×+1.8×

Profitability

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Net margin25.7%+22.5pp
FCF margin34.4%+30.3pp

Returns & leverage

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Return on equity8.1%+6.1pp
Debt / equity0.0×

Where this comes from

Reported directly by MainStreet Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:CommonEquityTierOneCapitalRatio.

The source filing: MainStreet Bancshares, Inc.’s 10-K, filed March 13, 2026.

Filed
Mar 13, 2026, 10:11 AM EDT
Fiscal year
FY2025
Accession
0001437749-26-008073
(Dollars in thousands) / As of December 31, 2025Actual / AmountActual / RatioCapital Adequacy Purposes / AmountCapital Adequacy Purposes / RatioTo Be Well Capitalized Under the Prompt Corrective Action Provision / AmountTo Be Well Capitalized Under the Prompt Corrective Action Provision / Ratio
Total capital (to risk-weighted assets)$306,63116.08%$152,541≥ 8.0%$190,677≥ 10.0%
Common equity tier 1 capital (to risk-weighted assets)$286,98715.05%$85,805≥ 4.5%$123,940≥ 6.5%
Tier 1 capital (to risk-weighted assets)$286,98715.05%$114,406≥ 6.0%$152,541≥ 8.0%
Tier 1 capital (to average assets)$286,98713.28%$86,467≥ 4.0%$108,083≥ 5.0%
As of December 31, 2024
Total capital (to risk-weighted assets)$296,58415.69%$151,269≥ 8.0%$189,086≥ 10.0%
Common equity tier 1 capital (to risk-weighted assets)$276,84714.64%$85,089≥ 4.5%$122,906≥ 6.5%
Tier 1 capital (to risk-weighted assets)$276,84714.64%$113,451≥ 6.0%$151,269≥ 8.0%

Item 8 – Financial Statements and Supplementary Data

FAQ

What is MainStreet Bancshares, Inc.'s common equity tier one capital ratio?
MainStreet Bancshares, Inc. (MNSB) reported common equity tier one capital ratio of $0.15 in Q4 2025.
How has MainStreet Bancshares, Inc.'s common equity tier one capital ratio changed year-over-year?
MainStreet Bancshares, Inc.'s common equity tier one capital ratio increased by 2.8% year-over-year, from $0.15 to $0.15.
What is the long-term trend for MainStreet Bancshares, Inc.'s common equity tier one capital ratio?
Over 5 years (2020 to 2025), MainStreet Bancshares, Inc.'s common equity tier one capital ratio has grown at a 2.0% compound annual growth rate (CAGR), from $0.14 to $0.15.
What does common equity tier one capital ratio mean?
Common Equity Tier One Capital Ratio as reported by MainStreet Bancshares, Inc. Depositary Shares.

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