Fairfax, VA · Cert 57742 · Mainstreet Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.6% share · #20 of 71 inst. · $1.9B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | -0.35% | 0.55% | 0.74% | 0.81% | 0.82% | 0.85% | 0.90% | +16 bps | |
| Return on Equity | 3.67% | -2.64% | 4.48% | 5.97% | 6.42% | 6.47% | 6.71% | 7.19% | +122 bps | |
| Net Interest Margin | 3.07% | 2.87% | 3.21% | 3.45% | 3.44% | 3.37% | 3.35% | 3.38% | -8 bps | |
| Efficiency Ratio | 74.63% | 76.23% | 78.40% | 74.85% | 72.30% | 71.26% | 67.85% | 65.01% | -984 bps | |
| Non-Interest Burden | 2.25% | 3.03% | 2.48% | 2.54% | 2.44% | 2.35% | 2.25% | 2.15% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.80% | 9.28% | 7.28% | 1.11% | -4.31% | -0.47% | 0.15% | 6.17% | +506 bps | |
| Loan Growth (YoY) | 5.70% | 6.29% | 5.02% | -0.53% | 0.74% | 1.70% | 2.12% | 9.02% | +955 bps | |
| Deposit Growth (YoY) | 12.21% | 13.22% | 10.18% | 2.62% | -4.11% | -0.57% | 0.40% | 7.46% | +483 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.58% | 1.37% | 1.36% | 0.40% | 1.29% | 1.69% | 2.87% | 3.15% | +275 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.25% | 0.00% | -0.02% | 0.00% | 0.00% | 0.06% | 0.03% | +4 bps | |
| Allowance / Loans | 1.02% | 1.06% | 1.06% | 1.07% | 1.04% | 1.04% | 1.02% | 0.99% | -8 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.8x | 2.7x | 0.8x | 0.6x | 0.4x | 0.3x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.98% | 12.08% | 12.90% | 13.21% | 13.42% | 13.28% | 12.81% | 12.78% | -43 bps | |
| Total Risk-Based Capital | 16.96% | 15.69% | 15.83% | 16.44% | 16.18% | 16.08% | 15.64% | 15.14% | -130 bps | |
| Equity / Assets | 13.14% | 12.13% | 12.23% | 13.04% | 13.13% | 12.79% | 12.42% | 12.47% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.67% | 95.65% | 95.69% | 99.05% | 99.45% | 97.84% | 97.33% | 100.49% | +144 bps | |
| Liquid Assets / Assets | 10.21% | 8.86% | 8.74% | 5.70% | 5.34% | 6.65% | 6.44% | 3.98% | -171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 528% | 536% | 557% | n/a | n/a | |