MainStreet Bancshares, Inc. (MNSB): Business Model Canvas

Diese Untersuchung befasst sich mit der strategischen Blaupause von MainStreet Bancshares, Inc. (MNSB) und enthüllt ein ausgeklügeltes Geschäftsmodell, das lokales Community Banking nahtlos mit modernster digitaler Innovation verbindet. Durch die strategische Positionierung in der Bankenlandschaft von Virginia und Maryland hat MNSB einen einzigartigen Ansatz entwickelt, der personalisierte Finanzdienstleistungen mit technologischer Agilität in Einklang bringt und sich über ein mehrdimensionales Bankenökosystem, das beziehungsorientierten Lösungen und digitalem Komfort Priorität einräumt, an kleine Unternehmen, lokale Unternehmen und Einzelkunden richtet.

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Kleinunternehmensverbände in Virginia und Maryland

MainStreet Bancshares unterhält strategische Partnerschaften mit lokalen Wirtschaftsverbänden:

Verein	Einzelheiten zur Partnerschaft	Anzahl der Kooperationen
Handelskammer von Nord-Virginia	Business-Networking- und Empfehlungsprogramm	37 aktive Kooperationen
Maryland Small Business Development Center	Kreditvergabe und Finanzberatung	24 gemeinsame Initiativen

Regionale Geschäfts- und Investmentbanken

Das Partnerschaftsnetzwerk umfasst:

• Wells Fargo Bank – Konsortialkreditbeteiligung
• Bank of America – Zusammenarbeit bei der gewerblichen Kreditvergabe
• Capital One – regionale Finanzdienstleistungsbörse

Technologiedienstleister für digitale Banking-Lösungen

Technologiepartner	Service bereitgestellt	Jährliche Investition
Fiserv	Kernbankenplattform	2,1 Millionen US-Dollar
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	1,8 Millionen US-Dollar

Versicherungs- und Finanzdienstleister

Zu den wichtigsten Versicherungspartnerschaften gehören:

• Bundesweite Versicherung – kommerzielles Risikomanagement
• Reiseversicherung – Betriebshaftpflichtversicherung
• MetLife – Lösungen für Mitarbeitervorteile

Fintech-Unternehmen für innovative Bankplattformen

Fintech-Unternehmen	Technologiefokus	Partnerschaftswert
Kariert	Integration von Finanzdaten	Jahresvertrag über 750.000 US-Dollar
Streifen	Lösungen zur Zahlungsabwicklung	1,2-Millionen-Dollar-Partnerschaft

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete MainStreet Bancshares, Inc. ein Gesamtvermögen von 1,32 Milliarden US-Dollar. Die Bank betreibt 12 Full-Service-Filialen in ganz Virginia.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Kommerzielle Girokonten	287,4 Millionen US-Dollar
Girokonten für Privatkunden	214,6 Millionen US-Dollar
Sparkonten	162,3 Millionen US-Dollar

Kreditvergabe an kleine und mittlere Unternehmen

Gesamtportfolio gewerblicher Kredite zum 31. Dezember 2023: 624,7 Millionen US-Dollar.

• Kredite für kleine Unternehmen: 312,4 Millionen US-Dollar
• Kredite für mittlere Unternehmen: 256,8 Millionen US-Dollar
• Gewerbliche Immobilienkredite: 412,5 Millionen US-Dollar

Einlagen- und Anlageproduktmanagement

Gesamteinlagen im vierten Quartal 2023: 1,14 Milliarden US-Dollar.

Anlageprodukt	Gesamtwert
Einlagenzertifikate	276,5 Millionen US-Dollar
Geldmarktkonten	189,3 Millionen US-Dollar
IRA und Rentenkonten	142,7 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Transaktionsvolumen im digitalen Banking im Jahr 2023: 2,4 Millionen monatliche Transaktionen.

• Mobile-Banking-Nutzer: 68.500
• Online-Banking-Nutzer: 52.300
• Digitale Zahlungstransaktionen: 1,2 Millionen pro Monat

Risikomanagement und Compliance-Überwachung

Compliance-Budget für 2023: 4,2 Millionen US-Dollar.

Compliance-Bereich	Jährliche Investition
Regulatorische Berichterstattung	1,3 Millionen US-Dollar
Bekämpfung der Geldwäsche	1,5 Millionen Dollar
Cybersicherheit	1,4 Millionen US-Dollar

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Schlüsselressourcen

Filialnetz

Seit dem vierten Quartal 2023 betreibt MainStreet Bancshares, Inc. 16 Full-Service-Banking-Standorte in den Regionen Virginia und Maryland.

Staat	Anzahl der Filialen
Virginia	12
Maryland	4

Bankfachleute und Managementteam

Gesamtzahl der Mitarbeiter zum 31. Dezember 2023: 214

• Führungsteam: 7 leitende Angestellte
• Durchschnittliche Managementerfahrung: 18,5 Jahre im Bankensektor
• Zertifizierte Bankfachkräfte: 89 % der Belegschaft

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen im Jahr 2023: 3,2 Millionen US-Dollar

Technologiekomponente	Investitionsbetrag
Upgrade des Kernbankensystems	1,5 Millionen Dollar
Verbesserungen der Cybersicherheit	$850,000
Mobile-Banking-Plattform	$650,000
Digitale Kundenschnittstelle	$200,000

Kapitalreserven und Finanzstabilität

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 1,87 Milliarden US-Dollar
• Gesamteigenkapital: 203,4 Millionen US-Dollar
• Kernkapitalquote: 12,6 %
• Risikobasierte Kapitalquote: 14,2 %

Kundenbeziehungsmanagementsysteme

Investition in CRM-Technologie: 475.000 US-Dollar im Jahr 2023

CRM-Funktion	Implementierungsstatus
Kundendatenplattform	Voll funktionsfähig
Prädiktive Analytik	Umgesetzt
Personalisierungs-Engine	Aktiv

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Ab dem vierten Quartal 2023 bietet MainStreet Bancshares spezialisierte Bankdienstleistungen mit einem Gesamtportfolio an Geschäftskrediten von 387,4 Millionen US-Dollar an. Die Bank bietet zielgerichtete Finanzlösungen in mehreren Segmenten an:

Geschäftssegment	Wert des Kreditportfolios	Durchschnittliche Kredithöhe
Kleines Unternehmen	142,6 Millionen US-Dollar	$215,000
Mittelständische Unternehmen	244,8 Millionen US-Dollar	$675,000

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

MainStreet Bancshares bietet wettbewerbsfähige Zinssätze für verschiedene Finanzprodukte:

• Geschäftskredite: 5,75 % – 8,25 %
• Geschäftskreditlinie: 6,50 % – 9,50 %
• Gewerbliche Immobilienkredite: 6,25 % – 7,75 %
• Geschäftssparkonten: 3,15 % – 4,25 %

Reaktionsschneller und beziehungsorientierter Kundenservice

Kundenbeziehungskennzahlen ab 2023:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundenbindungsrate	92.4%
Engagierte Beziehungsmanager	47 Profis

Umfassende digitale und mobile Banking-Funktionen

Statistiken zur digitalen Banking-Plattform:

• Mobile-Banking-Nutzer: 68.400
• Online-Transaktionsvolumen: 1,2 Millionen monatlich
• Verfügbarkeit der digitalen Plattform: 99,97 %

Lokale Entscheidungsfindung und gemeinschaftsorientierter Ansatz

Gemeinschaftsinvestitionen und lokale wirtschaftliche Auswirkungen:

Kategorie „Gemeinschaftliche Investitionen“.	Gesamtbetrag
Zuschüsse für lokale Unternehmen	2,1 Millionen US-Dollar
Gemeindeentwicklungsdarlehen	43,6 Millionen US-Dollar
Lokale Spenden für wohltätige Zwecke	$750,000

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Kundenbeziehungen

Engagierte Relationship-Banking-Manager

Im vierten Quartal 2023 beschäftigt MainStreet Bancshares in seinem gesamten Netzwerk 37 engagierte Relationship-Banking-Manager. Diese Manager betreuen durchschnittlich jeweils 127 Geschäfts- und Privatkunden.

Kundensegment	Anzahl der Kundenbetreuer	Durchschnittliches Kundenportfolio
Geschäftsbanking	22	85 Kunden
Persönliches Banking	15	42 Kunden

Personalisierte Finanzberatungsdienste

MainStreet Bancshares bietet personalisierte Finanzberatungen mit einer durchschnittlichen Beratungszeit von 73 Minuten pro Kunde. Im Jahr 2023 führte die Bank 2.845 individuelle Finanzberatungsgespräche durch.

• Durchschnittliche Beratungskosten: 0 $ für bestehende Kontoinhaber
• Beratungsarten: Altersvorsorge, Anlagestrategien, Kreditoptimierung
• Beratungsverfügbarkeit: Persönliche und virtuelle Plattformen

Digitale und persönliche Kundensupportkanäle

MainStreet Bancshares bietet Multi-Channel-Kundensupport mit den folgenden Kennzahlen für 2023:

Support-Kanal	Jährliches Interaktionsvolumen	Durchschnittliche Reaktionszeit
Online-Chat	45.672 Interaktionen	8,3 Minuten
Telefonsupport	62.341 Anrufe	12,5 Minuten
Persönliche Zweigstelle	28.456 Interaktionen	17,2 Minuten

Community-Engagement und lokale Networking-Events

Im Jahr 2023 veranstaltete MainStreet Bancshares in seinen operativen Regionen 124 Community-Networking-Veranstaltungen mit insgesamt 3.742 Teilnehmern.

• Veranstaltungstypen: Workshops für Kleinunternehmen, Seminare zur Finanzkompetenz
• Gesamtinvestition der Gemeinschaft: 287.500 $
• Durchschnittliche Veranstaltungsbesucherzahl: 30 Teilnehmer

Maßgeschneiderte Finanzberatungsdienste

MainStreet Bancshares bietet spezialisierte Finanzberatungsdienste mit den folgenden Kennzahlen für 2023:

Beratungsdienst	Insgesamt betreute Kunden	Durchschnittliche Beratungsgebühr
Vermögensverwaltung	1.247 Kunden	0,85 % des Vermögens
Ruhestandsplanung	2.103 Kunden	1.250 $ Jahresgebühr
Anlagestrategie	876 Kunden	975 $ pro Beratung

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2024 betreibt MainStreet Bancshares 21 physische Filialen in ganz Virginia. Gesamtfläche des Filialnetzes: 42.650 Quadratfuß.

Region	Anzahl der Filialen	Durchschnittliche Zweiggröße
Nord-Virginia	12	2.050 Quadratfuß
Zentral-Virginia	9	1.850 Quadratfuß

Online-Banking-Plattform

Im Jahr 2019 eingeführte digitale Plattform, die 98,3 % der Banktransaktionen aus der Ferne unterstützt.

• Monatlich aktive Online-Benutzer: 34.567
• Jährliches Transaktionsvolumen: 412.890 digitale Transaktionen
• Sicherheitsbewertung der Plattform: SOC 2 Typ II-konform

Mobile-Banking-Anwendung

Die mobile App bietet Echtzeit-Kontoverwaltung mit 42.300 registrierten Benutzern.

App-Metrik	Daten für 2024
Gesamtzahl der Downloads	57,890
Monatlich aktive Benutzer	42,300
App Store-Bewertung	4.6/5

Kundendienst-Callcenter

Zentralisierte Kundensupport-Infrastruktur mit 87 engagierten Vertretern.

• Durchschnittliche Anrufbearbeitungszeit: 6,2 Minuten
• Kundenzufriedenheitsrate: 94,3 %
• Jährliches Anrufvolumen: 218.450 Kundeninteraktionen

Digitale Kommunikationsplattformen

Multi-Channel-Strategie für digitales Engagement auf verschiedenen Plattformen.

Plattform	Anzahl der Follower	Engagement-Rate
LinkedIn	7,890	3.2%
Twitter	5,430	2.7%
Facebook	12,560	4.1%

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Kundensegmente

Kleine und mittlere Unternehmen

Im vierten Quartal 2023 betreut MainStreet Bancshares etwa 1.247 kleine und mittlere Unternehmen in den Regionen Virginia und Maryland. Die durchschnittliche Kredithöhe für Unternehmen in diesem Segment beträgt 375.000 US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Einzelhandelsunternehmen	412	$285,000
Professionelle Dienstleistungen	356	$425,000
Herstellung	267	$512,000

Lokale Handelsunternehmen

MainStreet Bancshares hat 623 lokale gewerbliche Unternehmenskunden mit einem gesamten gewerblichen Kreditportfolio von 247,6 Millionen US-Dollar im Jahr 2023.

• Gewerbliche Immobilienkredite: 156,3 Millionen US-Dollar
• Baukredite: 58,4 Millionen US-Dollar
• Kommerzielle Kreditlinie: 32,9 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Die Bank betreut 42.185 private Privatkunden an 15 Filialen.

Kundentyp	Anzahl der Konten	Durchschnittlicher Kontostand
Persönliche Überprüfung	28,764	$7,850
Persönliche Ersparnisse	22,456	$12,375

Professionelle Dienstleister

MainStreet Bancshares unterstützt 876 professionelle Dienstleister mit spezialisierten Banklösungen.

• Juristen: 287 Kunden
• Gesundheitsdienstleister: 342 Kunden
• Beratungsunternehmen: 247 Kunden

Kommunalverwaltung und kommunale Körperschaften

Die Bank erbringt Bankdienstleistungen für 42 lokale Regierungs- und Kommunalbehörden mit einem gesamten kommunalen Bankportfolio von 89,4 Millionen US-Dollar im Jahr 2023.

Entitätstyp	Anzahl der Kunden	Gesamtbankportfolio
Bezirksregierungen	18	45,6 Millionen US-Dollar
Stadtwerke	12	23,8 Millionen US-Dollar
Schulbezirke	12	20,0 Millionen US-Dollar

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Ab dem vierten Quartal 2023 meldete MainStreet Bancshares die folgenden Betriebskosten der Filiale:

Ausgabenkategorie	Jährliche Kosten ($)
Miete und Nebenkosten	3,425,000
Wartung und Reparaturen	1,250,000
Bürobedarf	425,000

Wartung von Technologie und digitaler Infrastruktur

Kosten der Technologieinfrastruktur für 2023:

• Investition in die IT-Infrastruktur: 2.750.000 US-Dollar
• Cybersicherheitssysteme: 1.350.000 US-Dollar
• Wartung der digitalen Banking-Plattform: 1.100.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Aufschlüsselung der Vergütung für 2023:

Vergütungskategorie	Gesamtkosten ($)
Grundgehälter	22,500,000
Krankenversicherung	4,750,000
Altersvorsorgeleistungen	3,250,000
Leistungsprämien	2,800,000

Einhaltung gesetzlicher Vorschriften und Risikomanagement

Compliance-bezogene Aufwendungen für 2023:

• Rechts- und Compliance-Mitarbeiter: 3.600.000 US-Dollar
• Regulatorische Meldesysteme: 1.250.000 US-Dollar
• Externe Prüfungsgebühren: 750.000 US-Dollar
• Risikomanagementsoftware: 950.000 US-Dollar

Kosten für Marketing und Kundenakquise

Aufschlüsselung der Marketingausgaben:

Marketingkanal	Jährliche Ausgaben ($)
Digitales Marketing	1,500,000
Traditionelle Werbung	850,000
Sponsoring von Gemeinschaftsveranstaltungen	350,000
Kundenempfehlungsprogramme	250,000

MainStreet Bancshares, Inc. (MNSB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbe- und Privatkrediten

Für das Geschäftsjahr 2023 meldete MainStreet Bancshares, Inc. einen Nettozinsertrag von 38,9 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamter ausstehender Saldo	Prozentsatz des Portfolios
Gewerbeimmobilien	412,6 Millionen US-Dollar	45.3%
Kommerziell und industriell	276,4 Millionen US-Dollar	30.4%
Wohnhypothek	164,2 Millionen US-Dollar	18.1%
Verbraucherkredite	57,8 Millionen US-Dollar	6.2%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 6,7 Millionen US-Dollar, mit den folgenden Gebührenstrukturen:

• Kontoführungsgebühren: 2,3 Millionen US-Dollar
• Transaktionsgebühren: 1,9 Millionen US-Dollar
• Überziehungsgebühren: 1,5 Millionen US-Dollar
• Andere Bankdienstleistungen: 1,0 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

MainStreet Bancshares generiert 4,2 Millionen US-Dollar von Vermögensverwaltungs- und Anlageberatungsdiensten im Jahr 2023, wobei das verwaltete Vermögen erreicht wird 287,6 Millionen US-Dollar.

Gebühren für digitale Banktransaktionen

Die Einnahmen aus dem digitalen Banking beliefen sich im Jahr 2023 auf 1,5 Millionen US-Dollar, mit folgender Aufschlüsselung der digitalen Dienste:

Digitaler Service	Transaktionsvolumen	Gebühreneinnahmen
Mobiles Banking	1,2 Millionen Transaktionen	0,8 Millionen US-Dollar
Online-Rechnungszahlung	620.000 Transaktionen	0,4 Millionen US-Dollar
Überweisungen	45.000 Transaktionen	0,3 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Treasury-Management-Dienstleistungen generiert 3,1 Millionen US-Dollar Umsatzsteigerung für 2023, zu den wichtigsten Dienstleistungen gehören:

• Cash-Management-Lösungen
• Händlerdienstleistungen
• Schließfachdienste
• Tools zur Betrugsprävention

MainStreet Bancshares, Inc. (MNSB) - Canvas Business Model: Value Propositions

Highly personalized and responsive service for small and medium-sized businesses.

• Bank where you are more than just a number.
• Personal touch delivered is more satisfying than just a number.

Specialized lending products for government contractors.

The government contracting book has $2.5 million in outstanding term debt, amortizing rapidly with an average remaining term of 30 months.

The bank maintains 29 asset-based lines of credit with government contractors, with $13.0 million outstanding against $79.2 million committed, reflecting a 16% utilization rate.

The average deposit relationship attributable to this portfolio is $75.5 million over the quarter.

Branch-lite model offering convenience via extensive ATM and digital banking.

MainStreet Bancshares, Inc. operates with six full-service financial centers.

MainStreet Bank provides access to 55,000 free ATMs.

Robust online business banking technology: Put Our Bank in Your Office®.

MainStreet has put its bank in well over 1,000 businesses in the metropolitan area using its online business banking technology.

Strong asset quality with non-performing loans at 0.40% of gross loans in Q2 2025.

Here's the quick math on asset quality as of Q2 2025:

Metric	Value	Context
Non-accrual loans as % of gross loans	0.40%	Q2 2025
Non-performing loans (NPLs)	$7.2M	Q2 2025
Classified loans as % of gross loans	1.8%	Q2 2025
Non-performing assets as % of total assets	0.34%	Q2 2025
Allowance for credit losses as % of gross loans	1.07%	Q2 2025

Total deposits were $1.799B as of Q2 2025.

Total assets for MainStreet Bancshares, Inc. were $2.1 billion.

Finance: draft 13-week cash view by Friday.

MainStreet Bancshares, Inc. (MNSB) - Canvas Business Model: Customer Relationships

You're focused on building a bank that sticks with its clients, which is exactly what MainStreet Bancshares, Inc. (MNSB) emphasizes through its high-touch community model in the Washington, D.C. metropolitan area.

The core of this relationship strategy for business and professional clients involves dedicated attention. MainStreet Bancshares, Inc. has put its bank in service for well over 1,000 businesses in the metro area through its technology-enabled service, allowing them to offer sophisticated cash management and instant-issue Debit Cards right where the client operates. This is supported by a physical footprint of six full-service financial centers in locations like Fairfax, McLean, and Washington, D.C., alongside access to 55,000 free ATMs.

The community banking approach is about deep local knowledge. As Chief Lending Officer Tom Floyd noted, success comes from the team's unwavering credit discipline and knowledge of the key players in the community. This personalized service extends to specialized segments; for instance, government contracting relationships are a significant source of funding, contributing an average of $75.5 million in demand deposit accounts as of Q2 2025.

Digital self-service complements the personal touch. MainStreet Bancshares, Inc. offers a fully integrated online and mobile banking solution, ensuring clients can manage finances 24/7. While the bank maintains a branch-lite strategy, the digital tools are robust enough to support its business focus. This balance is key to maximizing earnings power, reflected in the 99% loan-to-deposit ratio reported in Q2 2025.

Active management of credit risk is a direct outcome of strong client relationships, as you can only resolve issues effectively if you know the players. The discipline here yielded tangible results in Q2 2025. Management reported the full collection of $13.2 million owed on a previously non-accrual loan, which included 100% of the principal, default-rate interest, and all associated fees. This action significantly cleaned up the balance sheet.

Here's a quick look at how asset quality metrics, which are a direct reflection of credit relationship health, looked at the end of Q2 2025:

Asset Quality Metric	Value/Percentage	Reporting Period
Recovery on Workout Credit	$13.2 million	Q2 2025
Non-Performing Loans	$7.2 million	Q2 2025
Non-Accrual Loans (as % of gross loans)	0.40%	Q2 2025
Net Interest Margin (NIM)	3.75%	Q2 2025
Allowance for Credit Losses	$19.5 million	Year-End 2024

The commitment to working with customers, as stated by the Chief Lending Officer, is clearly yielding results in profitability and asset quality improvement. The net interest margin expanded to 3.75% in Q2 2025, up 45 basis points from the previous quarter, showing that strong relationships translate to better financial performance. You'll want to watch how the bank manages its elevated CRE concentration, which stood at 366% of capital as of Q2 2025, even as management intends to balance the pipeline with more non-CRE lending.

The relationship strategy also involves capital stewardship. MainStreet Bancshares, Inc. maintains an active share repurchase plan, with approximately $3.1 million in available capacity as of Q2 2025, signaling management's confidence in the intrinsic value derived from these client connections.

• Focus on core banking franchise building.
• Six full-service financial centers in operation.
• Digital tools support the 'Put Our Bank in Your Office' model.
• Non-accrual loans fell to 0.40% of gross loans in Q2 2025.
• Core deposits grew by $187 million year-over-year (as of year-end 2024).

Finance: draft a sensitivity analysis on the impact of a 50 basis point NIM change on the Q2 2025 Net Interest Income of $19.3 million by Monday.

MainStreet Bancshares, Inc. (MNSB) - Canvas Business Model: Channels

You're looking at how MainStreet Bancshares, Inc. (MNSB) gets its value proposition to the market, which is a deliberate mix of physical presence and digital reach in the Washington, DC metropolitan area. Here's the quick math on the physical and digital footprint as of late 2025, based on their latest reported figures, primarily from the second and third quarters of 2025.

The physical network is intentionally lean, supporting a branch-lite strategy. This approach focuses on high-impact locations rather than broad saturation. As of the second quarter of 2025, MainStreet Bancshares, Inc. operates six full-service financial centers. These centers are strategically located in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington, D.C.. To support customers needing cash access beyond these locations, the bank provides access to an extensive network of 55,000 free ATMs.

The digital channels are key to serving their business-focused clientele, allowing them to 'Put Our Bank in Your Office®'. MainStreet Bank offers a fully integrated online and mobile banking platform. This technology has allowed MainStreet to place its banking services in well over 1,000 businesses in the metropolitan area by the end of 2024. This digital focus supports their core deposit base, which stood at $1.33 billion as of Q2 2025, representing 74% of total deposits.

For direct client engagement, the model relies on direct business banker outreach and sales, which is central to their community bank focus and supporting their commercial and professional lending products. The bank was noted as the first community bank in the DC metro area to offer a full online business banking solution.

Regarding the Avenu BaaS solution (Banking-as-a-Service), the strategy has seen some shifts. While the software platform was launched in late 2024 to drive fintech partnerships for low-cost deposits and fee income, there was commentary in Q1 2025 suggesting a strategic reset where Avenu BaaS would not be moving forward. However, the underlying software remains a component of the solution as of early 2025. The bank is committed to providing innovative embedded banking services, even as it refocuses on its core community banking franchise.

Here is a snapshot of the core quantitative channel metrics as reported around mid-2025:

Channel Component	Metric / Count	Latest Reporting Period Context
Physical Financial Centers	6	As of Q2 2025
Free ATM Network Access	55,000 ATMs	Reported as of year-end 2024
Digital Business Client Penetration	Over 1,000 Businesses Served	As of year-end 2024
Total Assets Supported by Channels	$2.1 billion	As of Q2 2025
Core Deposits (Digitally/Branch Supported)	$1.33 billion	As of Q2 2025

The emphasis on the digital platform is clear, as MainStreet Bank was the first community bank in the Washington, D.C., metropolitan area to offer a full online business banking solution. This digital capability, combined with the targeted physical footprint, is how MainStreet Bancshares, Inc. serves its market. Finance: draft a projection for the utilization rate of the 55,000 ATM network based on Q2 2025 deposit/asset growth by next Tuesday.

MainStreet Bancshares, Inc. (MNSB) - Canvas Business Model: Customer Segments

You're looking at MainStreet Bancshares, Inc. (MNSB) as of late 2025, and the customer focus has definitely sharpened back to its core community bank mission. The strategic pivot away from the Banking-as-a-Service (BaaS) venture means the energy is now squarely on the established, high-value segments in the DC metro area.

The primary audience remains the local ecosystem: small and medium-sized businesses (SMBs) and professional practices that need more than just a transactional account. MainStreet Bank serves these clients with commercial loans, including general working capital, plant and equipment financing, and specialized solutions like SBA 7A and 504 lending. The bank operates six physical branches across key areas like Fairfax, McLean, and Washington, D.C., supporting its physical-lite strategy with robust online and mobile banking for business customers.

The government contractor segment is a standout for deposit concentration. This group provides MainStreet Bank with significant, high-quality, low-cost funding. As of Q2 2025, the average deposit relationship tied to this specific portfolio was a hefty $75.5 million in demand deposits. That's a massive anchor for funding stability. To support these contractors, the bank has a dedicated lending structure:

• Total government contracting lines of credit in place: 29.
• Outstanding balances on these lines as of Q1 2025: $9.2 million.
• Total commitments for these lines: $80.9 million.
• Utilization rate on these lines: 11%.

Retail clients are the other half of the core. They are situated in the high-income DC metro market, which, as of Q2 2025, showed a median household income of $125,027 and average home listing prices around $907,420. These clients access standard depository services, consumer loans, and debit/credit cards. The bank's total assets stood at $2.1 billion in Q2 2025, with a total loan portfolio of $1.8 billion.

Now, about the fintech segment via the Avenu BaaS platform: you need to know this is a closed chapter. MainStreet Bancshares officially pulled the plug on Avenu in Q1 2025, deciding to devote energy back to the core bank after the timeline for return on invested capital extended too far. The bank had invested roughly $22 million building the platform. At year-end 2024, Avenu held just $41 million in deposits, missing its target of $200 million. The closure is expected to reduce noninterest expenses by about 13% to $12.5 million in Q2 2025, with a further drop to $11.5 million by year-end 2025.

Here's a quick look at the balance sheet context supporting these segments as of mid-2025:

Metric	Value (Q2 2025 or Latest Available)	Context
Total Assets	$2.1 billion	As of Q2 2025.
Total Gross Loans	$1.8 billion	Q2 2025 portfolio size.
Loan-to-Deposit Ratio	99%	Well utilized as of Q2 2025.
Total Deposits (YE 2024)	$1.9 billion	Year-end 2024 total deposits.
Core Deposits (YE 2024)	$1.4 billion	75% of total deposits at year-end 2024.
Govt Contractor Avg. Deposit	$75.5 million	Average demand deposit relationship in Q2 2025.

Finance: draft 13-week cash view by Friday.

MainStreet Bancshares, Inc. (MNSB) - Canvas Business Model: Cost Structure

You're looking at the expenses that drive MainStreet Bancshares, Inc.'s operations as of late 2025. The cost structure is heavily influenced by funding costs and the necessary overhead to run a modern, digitally-focused community bank.

The most significant variable cost centers on funding the balance sheet. In Q2 2025, the average cost for core deposits, which totaled $1.33 billion (representing 74% of total deposits), settled at 2.74%. To be fair, the non-core deposits carried a higher funding burden at 4.40% for that same period. Management is actively working to shift this mix, as evidenced by the overall total funding cost contracting to 3.29% in Q2 2025. Still, this interest expense remains a primary driver of the cost base.

Operating expenses (OpEx) are a key area of focus for MainStreet Bancshares, Inc. The efficiency ratio for Q3 2025 stood at 69.50%. That's a tangible improvement from the 81.45% seen in Q3 2024, showing progress in expense management as the bank refocuses on core community banking. Management had an expected quarterly run rate for OpEx (excluding one-time items) set at $12.9 million for Q3 2025, with a slight reduction projected to $12.6 million for Q4 2025.

The OpEx includes costs related to personnel and technology infrastructure. For instance, Q2 2025 included nonrecurring expenses of $1.8 million tied to personnel downsizing and contract terminations as part of the strategic realignment. On the technology front, a major past cost event was the nonrecurring impairment of capitalized intangible software, which was fully impaired at the end of 2024 and contributed to the $9.98 million loss reported for that year. MainStreet Bank definitely continues to invest in the very latest banking products and technology to support its service model.

The physical footprint and access network also contribute to fixed and semi-variable costs. MainStreet Bancshares, Inc. operates under a branch-lite model, which keeps facility costs lower than traditional banks. The network consists of six full-service financial centers located in key areas like Fairfax and Washington, D.C. For customer access, the bank leverages the Allpoint network, providing customers access to 55,000 free ATMs.

Here's a quick look at some key cost and efficiency metrics:

• Core Deposit Average Cost (Q2 2025): 2.74%
• Total Funding Cost (Q2 2025): 3.29%
• Q3 2025 Efficiency Ratio: 69.50%
• Nonrecurring Personnel Costs (Q2 2025): $1.8 million
• Expected OpEx Run Rate (Q3 2025): $12.9 million (excluding nonrecurring)

The following table summarizes the key components influencing the cost structure as of the latest reported periods:

Cost Component Category	Specific Metric/Period	Financial Amount/Rate
Funding Costs	Average Cost of Core Deposits (Q2 2025)	2.74%
Funding Costs	Average Cost of Non-Core Deposits (Q2 2025)	4.40%
Funding Costs	Total Funding Cost (Q2 2025)	3.29%
Operating Efficiency	Q3 2025 Efficiency Ratio	69.50%
Operating Efficiency	Q3 2024 Efficiency Ratio	81.45%
Operating Expenses	Expected Quarterly OpEx Run Rate (Q4 2025)	$12.6 million (excluding nonrecurring)
Technology Costs	2024 Loss Attributable to Software Impairment	Part of $9.98 million loss
Network Management	Number of Full-Service Financial Centers	6
Network Management	Number of Free ATMs Available	55,000

Finance: draft the Q4 2025 OpEx forecast variance analysis by next Tuesday.

MainStreet Bancshares, Inc. (MNSB) - Canvas Business Model: Revenue Streams

The revenue streams for MainStreet Bancshares, Inc. (MNSB) are fundamentally anchored in traditional community banking operations, primarily driven by the interest earned on its loan assets, supplemented by fee income and other non-interest sources.

The core engine of revenue generation is the Net Interest Income (NII) derived from the loan portfolio. As of the second quarter of 2025 (Q2 2025), MainStreet Bancshares maintained a total loan portfolio size of $1.8 billion. This portfolio supports the primary revenue component.

For the third quarter of 2025 (Q3 2025), the reported Net Interest Margin (NIM) on a fully taxable equivalent (FTE) basis was 3.42%. However, management highlighted a core Net Interest Margin, which excludes one-time items, standing at a healthy 3.54% for Q3 2025. This core NIM reflects a well-structured balance sheet designed to handle rate changes.

The actual Net Interest Income (NII) for the three months ending September 30, 2025, was reported as $17.10 million (or $17,102 thousand). For the nine-month period ending September 30, 2025, the cumulative Net Interest Income reached $68.97 million.

Here's a quick look at the key interest-related metrics for Q3 2025:

Metric	Value	Period
Loan Portfolio Size	$1.8 billion	Q2 2025
Net Interest Margin (FTE)	3.42%	Q3 2025
Core Net Interest Margin	3.54%	Q3 2025
Net Interest Income (NII)	$17.10 million	Q3 2025

Non-interest income, which includes various fee-based services, also contributes to the revenue base. In Q3 2025, non-interest income saw an increase of $236,000 compared to the prior quarter, supported by a gain on the retirement of subordinated debt and higher fee income components. The total operating revenue (Net Interest Income plus Non-Interest Income) for Q3 2025 was $18.17 million.

The bank's origination activity directly feeds the interest income stream. Year-to-date 2025, MainStreet Bancshares originated $97 million in new or increased loan commitments. Furthermore, the bank participated out $13 million in loans to other banks over the same period. The lending focus remains on relationship-driven opportunities supported by strong credit underwriting.

The revenue profile also includes activity from the Avenu Banking-as-a-Service (BaaS) solution, though this segment is undergoing a strategic shift. While MainStreet Bancshares has pivoted back to core community banking, with the Avenu unit effectively closing after failing to meet targets (e.g., holding only $41 million in deposits at year-end 2024 against a $200 million target), residual activity or final wrap-up revenue was present in Q3 2025. For the third quarter of 2025, the Financial Technology Segment, which housed Avenu, reported:

• Interest Income: $185 thousand.
• Segment Gross Profit: $376 thousand.

This contrasts with the nine-month period ending September 30, 2025, where non-interest expenses increased due to the transition away from BaaS operations. You should definitely track how quickly these residual BaaS-related revenues or costs phase out.

Finance: draft 13-week cash view by Friday.