Risk factors

MainStreet Bancshares (MNSB) risk factors

Item 1A of every MainStreet Bancshares, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    50 risks3 new2 dropped4 reworded

    MainStreet Bancshares added risks regarding AI adoption, quarterly stress testing, and potential re-emergence of pandemics.

    Filed Mar 13, 2026
  • FY2024 10-K risk factors
    49 risks

    MainStreet Bancshares faces significant credit concentration in commercial and residential real estate loans. The bank is exposed to operational risks from its proprietary BaaS platform Avenu. Fluctuating interest rates and intense competition for deposits threaten net interest margins and profitability.

    Filed Mar 14, 2025