What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

MainStreet Bancshares, Inc. MNSBP Provision for Credit Losses

Provision for Credit Losses at other companies

JPMorgan ChaseJPM

$2.51B-24.1%

Wells Fargo & CompanyWFC

$1.14B+21.8%

SR Bancorp, Inc.SRBK

$84K+127%

Pathfinder BancorpPBHC

-$168K-137%

Texas Community Bancshares, Inc.TCBS

$50K+600%

RBB BancorpRBB

-$200K-103%

Other financials

Income statement

See full

Revenue$573.0K-98.3%

Net income$4.1M+67.1%

EPS (diluted)$0.64—

Balance sheet

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Cash & equivalents$33.0M+79.7%

Total debt$5.9M-8.3%

Total equity$215.0M+2.6%

Total assets$2.2B0.0%

Cash flow

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Operating cash flow$6.6M+355%

CapEx$101.0K+83.6%

Free cash flow$6.5M+366%

Valuation

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Market cap$175.72M+22.1%

P/E10.2×—

P/S1.7×+1.0×

Profitability

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Net margin16.9%+13.3pp

FCF margin15.4%+8.3pp

Returns & leverage

See full

Return on equity8.1%+5.9pp

Debt / equity0×0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The official record: MainStreet Bancshares, Inc.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is MainStreet Bancshares, Inc.'s provision for credit losses?: MainStreet Bancshares, Inc. (MNSBP) reported provision for credit losses of -$131K in Q1 2026.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.