Mainstreet Bancshares, Inc. (MNSB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhando no plano estratégico da Mainstreet Bancshares, Inc. (MNSB), essa exploração revela um modelo de negócios sofisticado que combina perfeitamente o banco comunitário local com a inovação digital de ponta. Ao se posicionar estrategicamente no cenário bancário da Virgínia e Maryland, o MNSB criou uma abordagem única que equilibra serviços financeiros personalizados com agilidade tecnológica, direcionando pequenas empresas, empresas locais e clientes individuais por meio de um ecossistema bancário multidimensional que prioriza soluções orientadas por relacionamento e conveniência digital.

Mainstreet Bancshares, Inc. (MNSB) - Modelo de Negócios: Principais Parcerias

Associações locais de pequenas empresas na Virgínia e Maryland

A Mainstreet Bancshares mantém parcerias estratégicas com associações comerciais locais:

Associação	Detalhes da parceria	Número de colaborações
Câmara de Comércio do Norte da Virgínia	Programa de Rede de Negócios e Referência	37 colaborações ativas
Centro de Desenvolvimento de Pequenas Empresas de Maryland	Serviços de empréstimos e consultoria financeira	24 iniciativas conjuntas

Bancos comerciais e de investimento regionais

A Rede de Parceria inclui:

• Wells Fargo Bank - Participação de empréstimo sindicalizado
• Bank of America - Colaboração de empréstimos comerciais
• Capital One - Bolsa Regional de Serviços Financeiros

Provedores de serviços de tecnologia para soluções bancárias digitais

Parceiro de tecnologia	Serviço prestado	Investimento anual
Fiserv	Plataforma bancária principal	US $ 2,1 milhões
Jack Henry & Associados	Infraestrutura bancária digital	US $ 1,8 milhão

Provedores de seguros e serviços financeiros

As principais parcerias de seguro incluem:

• Seguro em todo o país - Gerenciamento de riscos comerciais
• Seguro de viajantes - cobertura de responsabilidade comercial
• MetLife - Soluções de benefícios de funcionários

Empresas de fintech para plataformas bancárias inovadoras

Fintech Company	Foco em tecnologia	Valor da parceria
Xadrez	Integração de dados financeiros	Contrato anual de US $ 750.000
Listra	Soluções de processamento de pagamento	Parceria de US $ 1,2 milhão

Mainstreet Bancshares, Inc. (MNSB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a Mainstreet Bancshares, Inc. relatou ativos totais de US $ 1,32 bilhão. O Banco opera 12 localizações de serviço completo em toda a Virgínia.

Categoria de serviço bancário	Volume total (2023)
Contas de corrente comercial	US $ 287,4 milhões
Contas de corrente de varejo	US $ 214,6 milhões
Contas de poupança	US $ 162,3 milhões

Empréstimos a pequenas e médias empresas

Portfólio total de empréstimos comerciais em 31 de dezembro de 2023: US $ 624,7 milhões.

• Empréstimos para pequenas empresas: US $ 312,4 milhões
• Empréstimos para empresas médias: US $ 256,8 milhões
• Empréstimos imobiliários comerciais: US $ 412,5 milhões

Gerenciamento de produtos de depósito e investimento

Total de depósitos a partir do quarto trimestre 2023: US $ 1,14 bilhão.

Produto de investimento	Valor total
Certificados de depósito	US $ 276,5 milhões
Contas do mercado monetário	US $ 189,3 milhões
IRA e contas de aposentadoria	US $ 142,7 milhões

Desenvolvimento da plataforma bancária digital

Volume de transação bancária digital em 2023: 2,4 milhões de transações mensais.

• Usuários bancários móveis: 68.500
• Usuários bancários online: 52.300
• Transações de pagamento digital: 1,2 milhão por mês

Gerenciamento de riscos e monitoramento de conformidade

Orçamento de conformidade para 2023: US $ 4,2 milhões.

Área de conformidade	Investimento anual
Relatórios regulatórios	US $ 1,3 milhão
Lavagem anti-dinheiro	US $ 1,5 milhão
Segurança cibernética	US $ 1,4 milhão

Mainstreet Bancshares, Inc. (MNSB) - Modelo de negócios: Recursos -chave

Rede de filiais

A partir do quarto trimestre 2023, a Mainstreet Bancshares, Inc. opera 16 locais bancários de serviço completo nas regiões da Virgínia e Maryland.

Estado	Número de ramificações
Virgínia	12
Maryland	4

Profissionais bancários e equipe de gerenciamento

Total de funcionários em 31 de dezembro de 2023: 214

• Equipe de liderança executiva: 7 executivos seniores
• Experiência de gerenciamento médio: 18,5 anos no setor bancário
• Profissionais bancários certificados: 89% da força de trabalho

Infraestrutura de tecnologia bancária digital

Investimento de tecnologia em 2023: US $ 3,2 milhões

Componente de tecnologia	Valor do investimento
Atualização do sistema bancário principal	US $ 1,5 milhão
Aprimoramentos de segurança cibernética	$850,000
Plataforma bancária móvel	$650,000
Interface do cliente digital	$200,000

Reservas de capital e estabilidade financeira

Métricas financeiras em 31 de dezembro de 2023:

• Total de ativos: US $ 1,87 bilhão
• Equidade total: US $ 203,4 milhões
• Tier 1 Capital Ratio: 12,6%
• Razão de capital baseado em risco: 14,2%

Sistemas de gerenciamento de relacionamento com clientes

Investimento em tecnologia de CRM: US $ 475.000 em 2023

Recurso CRM	Status de implementação
Plataforma de dados do cliente	Totalmente operacional
Análise preditiva	Implementado
Mecanismo de personalização	Ativo

Mainstreet Bancshares, Inc. (MNSB) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas locais

No quarto trimestre 2023, a Mainstreet Bancshares fornece serviços bancários especializados com um portfólio total de empréstimos comerciais de US $ 387,4 milhões. O banco oferece soluções financeiras direcionadas em vários segmentos:

Segmento de negócios	Valor da carteira de empréstimos	Tamanho médio do empréstimo
Pequenas empresas	US $ 142,6 milhões	$215,000
Empresas do mercado intermediário	US $ 244,8 milhões	$675,000

Taxas de juros competitivas em empréstimos e depósitos

A Mainstreet Bancshares oferece taxas competitivas em vários produtos financeiros:

• Empréstimos a termos comerciais: 5,75% - 8,25%
• Linha de crédito de negócios: 6,50% - 9,50%
• Empréstimos imobiliários comerciais: 6,25% - 7,75%
• Contas de poupança de negócios: 3,15% - 4,25%

Atendimento ao cliente responsivo e orientado por relacionamento

Métricas de relacionamento com o cliente a partir de 2023:

Métrica de serviço	Desempenho
Tempo médio de resposta	2,3 horas
Taxa de retenção de clientes	92.4%
Gerentes de relacionamento dedicados	47 profissionais

Recursos abrangentes de bancos digitais e móveis

Estatísticas da plataforma bancária digital:

• Usuários bancários móveis: 68.400
• Volume de transação online: 1,2 milhão mensalmente
• Tempo de atividade da plataforma digital: 99,97%

Tomada de decisão local e abordagem focada na comunidade

Investimento comunitário e impacto econômico local:

Categoria de investimento comunitário	Montante total
Subsídios de negócios locais	US $ 2,1 milhões
Empréstimos de desenvolvimento comunitário	US $ 43,6 milhões
Contribuições de caridade locais	$750,000

Mainstreet Bancshares, Inc. (MNSB) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes bancários de relacionamento dedicado

A partir do quarto trimestre 2023, a Mainstreet Bancshares mantém 37 gerentes bancários dedicados de relacionamento em toda a sua rede. Esses gerentes atendem a uma média de 127 clientes de negócios e bancos pessoais cada.

Segmento de clientes	Número de gerentes de relacionamento	Portfólio médio de clientes
Banking de negócios	22	85 clientes
Bancos pessoais	15	42 clientes

Serviços personalizados de consulta financeira

A Mainstreet Bancshares oferece consultas financeiras personalizadas com um tempo médio de consulta de 73 minutos por cliente. Em 2023, o banco conduziu 2.845 sessões de consulta financeira individuais.

• Custo médio de consulta: US $ 0 para os titulares de contas existentes
• Tipos de consulta: planejamento de aposentadoria, estratégias de investimento, otimização de empréstimos
• Disponibilidade de consulta: Plataformas pessoais e virtuais

Canais de suporte de clientes digitais e pessoais

A Mainstreet Bancshares fornece suporte ao cliente multicanal com as seguintes métricas para 2023:

Canal de suporte	Volume anual de interação	Tempo médio de resposta
Chat online	45.672 interações	8,3 minutos
Suporte telefônico	62.341 chamadas	12,5 minutos
Ramo pessoal	28.456 interações	17,2 minutos

Eventos de envolvimento da comunidade e networking local

Em 2023, a Mainstreet Bancshares organizou 124 eventos de rede comunitária em suas regiões operacionais, com 3.742 participantes no total de participantes.

• Tipos de eventos: oficinas de pequenas empresas, seminários de alfabetização financeira
• Investimento Comunitário Total: US $ 287.500
• Participação média do evento: 30 participantes

Serviços de consultoria financeira personalizada

A Mainstreet Bancshares fornece serviços especializados de consultoria financeira com as seguintes métricas 2023:

Serviço de consultoria	Total de clientes atendidos	Taxa de consultoria média
Gestão de patrimônio	1.247 clientes	0,85% dos ativos
Planejamento de aposentadoria	2.103 clientes	Taxa anual de US $ 1.250
Estratégia de investimento	876 clientes	US $ 975 por consulta

Mainstreet Bancshares, Inc. (MNSB) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, a Mainstreet Bancshares opera 21 locais de filiais físicas em toda a Virgínia. Mágua quadrada total da rede de ramificação: 42.650 pés quadrados.

Região	Número de ramificações	Tamanho médio da ramificação
Do norte da Virgínia	12	2.050 pés quadrados
Virgínia Central	9	1.850 pés quadrados

Plataforma bancária online

A plataforma digital foi lançada em 2019, suportando 98,3% das transações bancárias remotamente.

• Usuários online ativos mensais: 34.567
• Volume anual de transação: 412.890 transações digitais
• Classificação de segurança da plataforma: SoC 2 tipo II Compatiante

Aplicativo bancário móvel

O aplicativo móvel possui gerenciamento de contas em tempo real com 42.300 usuários registrados.

Métrica de aplicativo	2024 dados
Downloads totais	57,890
Usuários ativos mensais	42,300
App Store Classificação	4.6/5

Centros de atendimento ao cliente

Infraestrutura centralizada de suporte ao cliente com 87 representantes dedicados.

• Tempo médio de manuseio de chamadas: 6,2 minutos
• Taxa de satisfação do cliente: 94,3%
• Volume anual de chamada: 218.450 interações com os clientes

Plataformas de comunicação digital

Estratégia de engajamento digital multicanal em várias plataformas.

Plataforma	Contagem de seguidores	Taxa de engajamento
LinkedIn	7,890	3.2%
Twitter	5,430	2.7%
Facebook	12,560	4.1%

Mainstreet Bancshares, Inc. (MNSB) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, a Mainstreet Bancshares serve aproximadamente 1.247 pequenas e médias empresas nas regiões da Virgínia e Maryland. O tamanho médio do empréstimo comercial para este segmento é de US $ 375.000.

Segmento de negócios	Número de clientes	Valor médio do empréstimo
Negócios de varejo	412	$285,000
Serviços profissionais	356	$425,000
Fabricação	267	$512,000

Empresas comerciais locais

A Mainstreet Bancshares possui 623 clientes comerciais locais com um portfólio total de empréstimos comerciais de US $ 247,6 milhões em 2023.

• Empréstimos imobiliários comerciais: US $ 156,3 milhões
• Empréstimos de construção: US $ 58,4 milhões
• Linha de crédito comercial: US $ 32,9 milhões

Clientes bancários de varejo individuais

O banco atende 42.185 clientes de banco de varejo individuais em 15 locais de filiais.

Tipo de cliente	Número de contas	Saldo médio da conta
Verificação pessoal	28,764	$7,850
Economia pessoal	22,456	$12,375

Provedores de serviços profissionais

A Mainstreet Bancshares suporta 876 provedores de serviços profissionais com soluções bancárias especializadas.

• Profissionais jurídicos: 287 clientes
• Provedores de saúde: 342 clientes
• Empresas de consultoria: 247 clientes

Governo local e entidades municipais

O banco fornece serviços bancários a 42 entidades municipais e do governo local com o portfólio bancário municipal total de US $ 89,4 milhões em 2023.

Tipo de entidade	Número de clientes	Portfólio bancário total
Governos do condado	18	US $ 45,6 milhões
Utilitários municipais	12	US $ 23,8 milhões
Distritos escolares	12	US $ 20,0 milhões

Mainstreet Bancshares, Inc. (MNSB) - Modelo de negócios: Estrutura de custos

Despesas operacionais de ramificação

A partir do quarto trimestre 2023, a Mainstreet Bancshares relatou as seguintes despesas operacionais da filial:

Categoria de despesa	Custo anual ($)
Aluguel e utilitários	3,425,000
Manutenção e reparos	1,250,000
Material de escritório	425,000

Manutenção de tecnologia e infraestrutura digital

Custos de infraestrutura de tecnologia para 2023:

• Investimento de infraestrutura de TI: US $ 2.750.000
• Sistemas de segurança cibernética: US $ 1.350.000
• Manutenção da plataforma bancária digital: US $ 1.100.000

Salários e benefícios dos funcionários

Remutação de compensação para 2023:

Categoria de compensação	Custo total ($)
Salários da base	22,500,000
Seguro de saúde	4,750,000
Benefícios de aposentadoria	3,250,000
Bônus de desempenho	2,800,000

Conformidade regulatória e gerenciamento de riscos

Despesas relacionadas à conformidade para 2023:

• Equipe legal e de conformidade: US $ 3.600.000
• Sistemas de relatórios regulatórios: US $ 1.250.000
• Taxas de auditoria externa: US $ 750.000
• Software de gerenciamento de risco: US $ 950.000

Custos de marketing e aquisição de clientes

Redução de despesas de marketing:

Canal de marketing	Gasto anual ($)
Marketing digital	1,500,000
Publicidade tradicional	850,000
Patrocínio de eventos da comunidade	350,000
Programas de referência ao cliente	250,000

Mainstreet Bancshares, Inc. (MNSB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais e pessoais

Para o ano fiscal de 2023, a Mainstreet Bancshares, Inc. registrou receita de juros líquidos de US $ 38,9 milhões. A quebra da carteira de empréstimos é a seguinte:

Categoria de empréstimo	Balanço total em circulação	Porcentagem de portfólio
Imóveis comerciais	US $ 412,6 milhões	45.3%
Comercial e industrial	US $ 276,4 milhões	30.4%
Hipoteca residencial	US $ 164,2 milhões	18.1%
Empréstimos ao consumidor	US $ 57,8 milhões	6.2%

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 6,7 milhões, com as seguintes estruturas de taxas:

• Taxas de manutenção de conta: US $ 2,3 milhões
• Taxas de transação: US $ 1,9 milhão
• Taxas de cheque especial: US $ 1,5 milhão
• Outros serviços bancários: US $ 1,0 milhão

Serviços de investimento e gerenciamento de patrimônio

Mainstreet Bancshares gerado US $ 4,2 milhões De serviços de gestão de patrimônio e consultoria de investimentos em 2023, com ativos sob a administração atingindo US $ 287,6 milhões.

Taxas de transação bancária digital

A receita bancária digital para 2023 foi de US $ 1,5 milhão, com a seguinte quebra de serviço digital:

Serviço digital	Volume de transação	Receita de taxas
Mobile Banking	1,2 milhão de transações	US $ 0,8 milhão
Pagamento on -line	620.000 transações	US $ 0,4 milhão
Transferências de arame	45.000 transações	US $ 0,3 milhão

Serviços de Gerenciamento do Tesouro

Serviços de gerenciamento de tesouro gerados US $ 3,1 milhões em receita para 2023, com os principais serviços, incluindo:

• Soluções de gerenciamento de caixa
• Serviços comerciais
• Serviços de Lockbox
• Ferramentas de prevenção de fraudes

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.