Mainstreet Bancshares, Inc. (MNSB): Canvas de modèle d'entreprise [Jan-2025 MISE À JOUR]

Plongeant dans le plan stratégique de MainStreet Bancshares, Inc. (MNSB), cette exploration dévoile un modèle commercial sophistiqué qui mélange de manière transparente les banques communautaires locales avec l'innovation numérique de pointe. En se positionnant stratégiquement dans le paysage bancaire de Virginie et du Maryland, le MNSB a conçu une approche unique qui équilibre les services financiers personnalisés avec une agilité technologique, ciblant les petites entreprises, les entreprises locales et les clients individuels grâce à un écosystème bancaire multidimensionnel qui hiérarchise les solutions relationnelles et la commodité numérique.

Mainstreet Bancshares, Inc. (MNSB) - Modèle commercial: partenariats clés

Associations locales de petites entreprises en Virginie et au Maryland

Mainstreet Bancshares maintient des partenariats stratégiques avec les associations d'entreprises locales:

Association	Détails du partenariat	Nombre de collaborations
Chambre de commerce du nord de la Virginie	Programme de réseautage d'entreprises et de référence	37 collaborations actives
Centre de développement des petites entreprises du Maryland	Services de conseil et de conseil financier	24 initiatives conjointes

Banques commerciales et d'investissement régionales

Le réseau de partenariat comprend:

• Wells Fargo Bank - Participation de prêt syndiqué
• Bank of America - Collaboration de prêts commerciaux
• Capital One - Échange de services financiers régionaux

Fournisseurs de services technologiques pour les solutions bancaires numériques

Partenaire technologique	Service fourni	Investissement annuel
Finerv	Plateforme bancaire de base	2,1 millions de dollars
Jack Henry & Associés	Infrastructure bancaire numérique	1,8 million de dollars

Fournisseurs d'assurance et de services financiers

Les partenariats d'assurance clés comprennent:

• Assurance à l'échelle nationale - Gestion des risques commerciaux
• Assurance des voyageurs - Couverture de responsabilité des entreprises
• MetLife - Solutions de prestations des employés

FinTech Companies pour les plateformes bancaires innovantes

Fintech Company	Focus technologique	Valeur de partenariat
Plaid	Intégration de données financières	Contrat annuel de 750 000 $
Bande	Solutions de traitement des paiements	Partenariat de 1,2 million de dollars

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Mainstreet Bancshares, Inc. a déclaré un actif total de 1,32 milliard de dollars. La banque exploite 12 succursales à service complet à travers la Virginie.

Catégorie de service bancaire	Volume total (2023)
Comptes de chèques commerciaux	287,4 millions de dollars
Comptes de chèques de vente au détail	214,6 millions de dollars
Comptes d'épargne	162,3 millions de dollars

Prêter à des petites et moyennes entreprises

Portfolio total de prêts commerciaux au 31 décembre 2023: 624,7 millions de dollars.

• Prêts aux petites entreprises: 312,4 millions de dollars
• Prêts aux entreprises moyennes: 256,8 millions de dollars
• Prêts immobiliers commerciaux: 412,5 millions de dollars

Gestion des produits de dépôt et d'investissement

Dépôts totaux au T2 2023: 1,14 milliard de dollars.

Produit d'investissement	Valeur totale
Certificats de dépôt	276,5 millions de dollars
Comptes de marché monétaire	189,3 millions de dollars
IRA et comptes de retraite	142,7 millions de dollars

Développement de la plate-forme bancaire numérique

Volume des transactions bancaires numériques en 2023: 2,4 millions de transactions mensuelles.

• Utilisateurs de la banque mobile: 68 500
• Utilisateurs bancaires en ligne: 52 300
• Transactions de paiement numérique: 1,2 million par mois

Gestion des risques et surveillance de la conformité

Budget de conformité pour 2023: 4,2 millions de dollars.

Zone de conformité	Investissement annuel
Représentation réglementaire	1,3 million de dollars
Anti-blanchiment	1,5 million de dollars
Cybersécurité	1,4 million de dollars

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: Ressources clés

Réseau de succursale

Depuis le quatrième trimestre 2023, Mainstreet Bancshares, Inc. exploite 16 sites bancaires à service complet dans les régions de Virginie et du Maryland.

État	Nombre de branches
Virginie	12
Maryland	4

Professionnels bancaires et équipe de gestion

Total des employés au 31 décembre 2023: 214

• Équipe de direction exécutive: 7 cadres supérieurs
• Expérience de gestion moyenne: 18,5 ans dans le secteur bancaire
• Professionnels certifiés bancaires: 89% de la main-d'œuvre

Infrastructure de technologie bancaire numérique

Investissement technologique en 2023: 3,2 millions de dollars

Composant technologique	Montant d'investissement
Mise à niveau du système bancaire de base	1,5 million de dollars
Améliorations de la cybersécurité	$850,000
Plateforme de banque mobile	$650,000
Interface client numérique	$200,000

Réserves de capital et stabilité financière

Mesures financières au 31 décembre 2023:

• Actif total: 1,87 milliard de dollars
• Équité totale: 203,4 millions de dollars
• Ratio de capital de niveau 1: 12,6%
• Ratio de capital basé sur les risques: 14,2%

Systèmes de gestion de la relation client

Investissement technologique CRM: 475 000 $ en 2023

Fonction CRM	Statut d'implémentation
Plateforme de données client	Pleinement opérationnel
Analytique prédictive	Mis en œuvre
Moteur de personnalisation	Actif

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: Propositions de valeur

Solutions bancaires personnalisées pour les entreprises locales

Au quatrième trimestre 2023, Mainstreet Bancshares fournit des services bancaires spécialisés avec un portefeuille total de prêts commerciaux de 387,4 millions de dollars. La banque propose des solutions financières ciblées sur plusieurs segments:

Segment d'entreprise	Valeur du portefeuille de prêts	Taille moyenne du prêt
Petite entreprise	142,6 millions de dollars	$215,000
Entreprises de marché intermédiaire	244,8 millions de dollars	$675,000

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Mainstreet Bancshares propose des tarifs compétitifs sur divers produits financiers:

• Prêts à terme commercial: 5,75% - 8,25%
• Section de crédit commerciale: 6,50% - 9,50%
• Prêts immobiliers commerciaux: 6,25% - 7,75%
• Comptes d'épargne commerciale: 3,15% - 4,25%

Service client réactif et axé sur les relations

Métriques de la relation client à partir de 2023:

Métrique de service	Performance
Temps de réponse moyen	2,3 heures
Taux de rétention de la clientèle	92.4%
Gestionnaires de relations dédiées	47 professionnels

Capacités complètes des banques numériques et mobiles

Statistiques de la plate-forme bancaire numérique:

• Utilisateurs de la banque mobile: 68 400
• Volume de transaction en ligne: 1,2 million de
• Temps de disponibilité de la plate-forme numérique: 99,97%

La prise de décision locale et l'approche axée sur la communauté

Investissement communautaire et impact économique local:

Catégorie d'investissement communautaire	Montant total
Subventions commerciales locales	2,1 millions de dollars
Prêts de développement communautaire	43,6 millions de dollars
Contributions de bienfaisance locales	$750,000

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: relations avec les clients

Les gestionnaires des banques de relations dédiées

Depuis le quatrième trimestre 2023, Mainstreet Bancshares maintient 37 gestionnaires de banque de relations dédiés à travers son réseau. Ces gestionnaires desservent en moyenne 127 clients commerciaux et bancaires personnels chacun.

Segment de clientèle	Nombre de gestionnaires de relations	Portefeuille de clients moyens
Banque d'affaires	22	85 clients
Banque personnelle	15	42 clients

Services de consultation financière personnalisés

Mainstreet Bancshares propose des consultations financières personnalisées avec un temps de consultation moyen de 73 minutes par client. En 2023, la banque a organisé 2 845 séances de consultation financière individuelles.

• Coût de consultation moyen: 0 $ pour les titulaires de compte existant
• Types de consultation: planification de la retraite, stratégies d'investissement, optimisation des prêts
• Disponibilité de la consultation: plates-formes en personne et virtuelles

Canaux de support client numériques et en personne

Mainstreet Bancshares fournit un support client multicanal avec les mesures suivantes pour 2023:

Canal de support	Volume d'interaction annuel	Temps de réponse moyen
Chat en ligne	45 672 interactions	8,3 minutes
Support téléphonique	62 341 appels	12,5 minutes
Succursale en personne	28 456 interactions	17,2 minutes

Engagement communautaire et événements de réseautage local

En 2023, Mainstreet Bancshares a accueilli 124 événements de réseautage communautaire dans ses régions opérationnelles, avec 3 742 participants au total des participants.

• Types d'événements: ateliers de petites entreprises, séminaires de littératie financière
• Investissement total de la communauté: 287 500 $
• Association moyenne des événements: 30 participants

Services de conseil financier sur mesure

Mainstreet Bancshares fournit des services de conseil financier spécialisés avec les métriques 2023 suivantes:

Service consultatif	Les clients totaux ont servi	Frais de conseil moyen
Gestion de la richesse	1 247 clients	0,85% des actifs
Planification de la retraite	2 103 clients	Frais annuels de 1 250 $
Stratégie d'investissement	876 clients	975 $ par consultation

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: canaux

Emplacements de branche physiques

Depuis 2024, Mainstreet Bancshares exploite 21 immeubles physiques à travers la Virginie. Réseau de succursale total en pieds carrés: 42 650 pieds carrés.

Région	Nombre de branches	Taille moyenne de la branche
Virginie du Nord	12	2 050 pieds carrés
Virginie centrale	9	1 850 pieds carrés

Plateforme bancaire en ligne

Plateforme numérique a été lancée en 2019, soutenant 98,3% des transactions bancaires à distance.

• Utilisateurs mensuels actifs en ligne: 34 567
• Volume de transaction annuel: 412 890 transactions numériques
• Évaluation de sécurité de la plate-forme: SOC 2 Type II conforme

Application bancaire mobile

L'application mobile dispose d'une gestion des comptes en temps réel avec 42 300 utilisateurs enregistrés.

Métrique de l'application	2024 données
Téléchargements totaux	57,890
Utilisateurs actifs mensuels	42,300
Note de l'App Store	4.6/5

Centres d'appels de service client

Infrastructure centralisée de support client avec 87 représentants dédiés.

• Temps moyen de gestion des appels: 6,2 minutes
• Taux de satisfaction client: 94,3%
• Volume d'appel annuel: 218 450 interactions client

Plateformes de communication numérique

Stratégie d'engagement numérique multicanal sur diverses plateformes.

Plate-forme	Nombre de suiveurs	Taux d'engagement
Liendin	7,890	3.2%
Gazouillement	5,430	2.7%
Facebook	12,560	4.1%

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Mainstreet Bancshares dessert environ 1 247 petites et moyennes entreprises dans les régions de Virginie et du Maryland. La taille moyenne des prêts commerciaux pour ce segment est de 375 000 $.

Segment d'entreprise	Nombre de clients	Montant moyen du prêt
Commerces de détail	412	$285,000
Services professionnels	356	$425,000
Fabrication	267	$512,000

Entreprises commerciales locales

Mainstreet Bancshares compte 623 clients commerciaux locaux avec un portefeuille de prêts commerciaux total de 247,6 millions de dollars en 2023.

• Prêts immobiliers commerciaux: 156,3 millions de dollars
• Prêts de construction: 58,4 millions de dollars
• Ligne de crédit commerciale: 32,9 millions de dollars

Clients bancaires de détail individuels

La banque dessert 42 185 clients bancaires de détail individuels dans 15 succursales.

Type de client	Nombre de comptes	Solde moyen du compte
Vérification personnelle	28,764	$7,850
Économies personnelles	22,456	$12,375

Fournisseurs de services professionnels

Mainstreet Bancshares prend en charge 876 fournisseurs de services professionnels avec des solutions bancaires spécialisées.

• Professionnels juridiques: 287 clients
• Fournisseurs de soins de santé: 342 clients
• Sociétés de conseil: 247 clients

Gouvernement local et entités municipales

La banque fournit des services bancaires à 42 entités locales et municipales avec un portefeuille bancaire municipal total de 89,4 millions de dollars en 2023.

Type d'entité	Nombre de clients	Portefeuille bancaire total
Gouvernements de comté	18	45,6 millions de dollars
Services publics municipaux	12	23,8 millions de dollars
Districts scolaires	12	20,0 millions de dollars

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

Au quatrième trimestre 2023, Mainstreet Bancshares a rapporté les dépenses opérationnelles suivantes:

Catégorie de dépenses	Coût annuel ($)
Loyer et services publics	3,425,000
Entretien et réparations	1,250,000
Fournitures de bureau	425,000

Maintenance de la technologie et des infrastructures numériques

Coût des infrastructures technologiques pour 2023:

• Investissement d'infrastructure informatique: 2 750 000 $
• Systèmes de cybersécurité: 1 350 000 $
• Maintenance de la plate-forme bancaire numérique: 1 100 000 $

Salaires et avantages sociaux des employés

Répartition de la compensation pour 2023:

Catégorie de compensation	Coût total ($)
Salaires de base	22,500,000
Assurance maladie	4,750,000
Prestations de retraite	3,250,000
Bonus de performance	2,800,000

Compliance réglementaire et gestion des risques

Dépenses liées à la conformité pour 2023:

• Personnel juridique et de conformité: 3 600 000 $
• Systèmes de rapports réglementaires: 1 250 000 $
• Frais d'audit externe: 750 000 $
• Logiciel de gestion des risques: 950 000 $

Coûts de marketing et d'acquisition des clients

Répartition des dépenses de marketing:

Canal de marketing	Dépenses annuelles ($)
Marketing numérique	1,500,000
Publicité traditionnelle	850,000
Commanditaires des événements communautaires	350,000
Programmes de référence client	250,000

Mainstreet Bancshares, Inc. (MNSB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux et personnels

Pour l'exercice 2023, Mainstreet Bancshares, Inc. a déclaré un revenu d'intérêt net de 38,9 millions de dollars. La répartition du portefeuille de prêts est la suivante:

Catégorie de prêt	Solde total en suspens	Pourcentage de portefeuille
Immobilier commercial	412,6 millions de dollars	45.3%
Commercial et industriel	276,4 millions de dollars	30.4%
Hypothèque résidentielle	164,2 millions de dollars	18.1%
Prêts à la consommation	57,8 millions de dollars	6.2%

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 6,7 millions de dollars, avec les structures de frais suivantes:

• Frais de maintenance du compte: 2,3 millions de dollars
• Frais de transaction: 1,9 million de dollars
• Frais de découvert: 1,5 million de dollars
• Autres services bancaires: 1,0 million de dollars

Services d'investissement et de gestion de la patrimoine

Mainstreet Bancshares généré 4,2 millions de dollars des services de gestion de patrimoine et d'investissement en 2023, avec des actifs sous gestion atteignant 287,6 millions de dollars.

Frais de transaction bancaire numérique

Les revenus des banques numériques pour 2023 étaient de 1,5 million de dollars, avec la ventilation du service numérique suivant:

Service numérique	Volume de transaction	Revenus des frais
Banque mobile	1,2 million de transactions	0,8 million de dollars
Payage des factures en ligne	620 000 transactions	0,4 million de dollars
Virements	45 000 transactions	0,3 million de dollars

Services de gestion du Trésor

Services de gestion du Trésor générés 3,1 millions de dollars en revenus pour 2023, avec des services clés, notamment:

• Solutions de gestion des espèces
• Services marchands
• Services de verrouillage
• Outils de prévention de la fraude

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.