Mainstreet Bank Net Assets
Mainstreet Bank net assets. Based on the latest financial reports, Mainstreet Bank (MNSB) has net assets worth $214.98 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.22 Billion) and total liabilities ($2.01 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Mainstreet Bank annual equity growth to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $214.98 Million |
| % of Total Assets | 9.67% |
| Annual Growth Rate | 15.63% |
| 5-Year Change | -86.49% |
| 10-Year Change | 371.15% |
| Growth Volatility | 235.97 |
Net Assets of Mainstreet Bank (2004–2025)
Net assets of Mainstreet Bank from 2004 to 2025. This chart illustrates how Mainstreet Bank's net assets have evolved over time, based on quarterly financial data. See Mainstreet Bank (MNSB) net asset quality to measure how much of total assets are equity-financed.
Annual Net Assets for Mainstreet Bank (2004–2025)
The table below shows the annual net assets of Mainstreet Bank from 2004 to 2025. For live market cap and overall valuation, see Mainstreet Bank market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $218.59 Million | +5.10% |
| 2024-12-31 | $207.99 Million | -6.11% |
| 2023-12-31 | $221.52 Million | +11.72% |
| 2022-12-31 | $198.28 Million | -87.75% |
| 2021-12-31 | $1.62 Billion | -0.63% |
| 2020-12-31 | $1.63 Billion | +1082.82% |
| 2019-12-31 | $137.66 Million | +13.54% |
| 2018-12-31 | $121.25 Million | +76.23% |
| 2017-12-31 | $68.80 Million | +48.29% |
| 2016-12-31 | $46.40 Million | +10.14% |
| 2015-12-31 | $42.12 Million | +5.94% |
| 2014-12-31 | $39.76 Million | +57.21% |
| 2013-12-31 | $25.29 Million | +2.56% |
| 2012-12-31 | $24.66 Million | +0.36% |
| 2011-12-31 | $24.57 Million | +10.00% |
| 2009-12-31 | $22.34 Million | +4.25% |
| 2008-12-31 | $21.43 Million | +0.76% |
| 2007-12-31 | $21.27 Million | -1.05% |
| 2006-12-31 | $21.49 Million | +0.97% |
| 2005-12-31 | $21.29 Million | +105.40% |
| 2004-12-31 | $10.36 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Mainstreet Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 10348343700.0% over the analyzed period, indicating profitable operations and earnings retention.
Mainstreet Bank Net Assets Breakdown (December 2025)
Mainstreet Bank net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $101.56 Million | 46.46% |
| Common Stock | $29.01 Million | 13.27% |
| Other Comprehensive Income | $-5.77 Million | -2.64% |
| Other Components | $93.79 Million | 42.91% |
| Total Equity | $218.59 Million | 100.00% |
Mainstreet Bank Competitors by Market Cap
The table below lists competitors of Mainstreet Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Akmerkez Gayrimenkul Yatirim Ortakligi AS
IS:AKMGY
|
$154.65 Million |
|
Cartesian Growth Corporation II Class A Ordinary Shares
NASDAQ:RENE
|
$154.70 Million |
|
Israel Corp
TA:ILCO
|
$154.70 Million |
|
Lihtai Construction Enterprise Co Ltd
TWO:5520
|
$154.75 Million |
|
Ecomate Holdings Bhd
KLSE:0239
|
$154.61 Million |
|
Electreon Wireless Ltd
TA:ELWS
|
$154.47 Million |
|
Genomictree Inc.
KQ:228760
|
$154.46 Million |
|
eCloudvalley Digital Technology Co. Ltd.
TW:6689
|
$154.44 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Mainstreet Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 207,991,000 to 218,591,000, a change of 10,600,000 (5.1%).
- Net income of 15,613,000 contributed positively to equity growth.
- Dividend payments of 5,206,000 reduced retained earnings.
- Share repurchases of 4,336,000 reduced equity.
- Other comprehensive income increased equity by 1,943,000.
- Other factors increased equity by 2,586,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $15.61 Million | +7.14% |
| Dividends Paid | $5.21 Million | -2.38% |
| Share Repurchases | $4.34 Million | -1.98% |
| Other Comprehensive Income | $1.94 Million | +0.89% |
| Other Changes | $2.59 Million | +1.18% |
| Total Change | $- | 5.10% |
Book Value vs Market Value Analysis
This analysis compares Mainstreet Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.76x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.76x to 0.76x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $7.88 | $21.73 | x |
| 2005-12-31 | $12.40 | $21.73 | x |
| 2006-12-31 | $8.44 | $21.73 | x |
| 2007-12-31 | $8.35 | $21.73 | x |
| 2008-12-31 | $8.41 | $21.73 | x |
| 2009-12-31 | $8.29 | $21.73 | x |
| 2011-12-31 | $8.97 | $21.73 | x |
| 2012-12-31 | $8.76 | $21.73 | x |
| 2013-12-31 | $8.96 | $21.73 | x |
| 2014-12-31 | $13.89 | $21.73 | x |
| 2015-12-31 | $9.48 | $21.73 | x |
| 2016-12-31 | $10.37 | $21.73 | x |
| 2017-12-31 | $14.40 | $21.73 | x |
| 2018-12-31 | $18.23 | $21.73 | x |
| 2019-12-31 | $16.61 | $21.73 | x |
| 2020-12-31 | $200.25 | $21.73 | x |
| 2021-12-31 | $214.05 | $21.73 | x |
| 2022-12-31 | $26.33 | $21.73 | x |
| 2023-12-31 | $29.45 | $21.73 | x |
| 2024-12-31 | $27.35 | $21.73 | x |
| 2025-12-31 | $28.56 | $21.73 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Mainstreet Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.14%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 11.49%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.12x
- Recent ROE (7.14%) is above the historical average (3.12%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | -11.48% | -205.96% | 0.01x | 4.46x | $-2.23 Million |
| 2005 | -3.78% | -21.50% | 0.05x | 3.89x | $-2.93 Million |
| 2006 | 0.22% | 0.63% | 0.07x | 4.92x | $-2.10 Million |
| 2007 | -2.33% | -5.03% | 0.07x | 6.87x | $-2.62 Million |
| 2008 | 0.47% | 0.96% | 0.06x | 8.70x | $-2.04 Million |
| 2009 | 2.32% | 4.48% | 0.05x | 10.57x | $-1.71 Million |
| 2011 | 4.43% | 7.85% | 0.05x | 11.50x | $-1.37 Million |
| 2012 | 0.18% | 0.47% | 0.04x | 11.01x | $-2.42 Million |
| 2013 | 4.01% | 7.71% | 0.05x | 10.96x | $-1.52 Million |
| 2014 | 4.41% | 11.49% | 0.04x | 8.68x | $-2.22 Million |
| 2015 | 5.15% | 11.27% | 0.04x | 11.35x | $-2.04 Million |
| 2016 | 8.35% | 16.78% | 0.04x | 12.41x | $-764.17K |
| 2017 | 5.64% | 13.30% | 0.04x | 11.74x | $-3.00 Million |
| 2018 | 7.59% | 19.56% | 0.04x | 9.08x | $-2.92 Million |
| 2019 | 10.18% | 21.91% | 0.05x | 9.33x | $246.60K |
| 2020 | 0.97% | 22.61% | 0.04x | 1.01x | $-147.12 Million |
| 2021 | 1.37% | 31.53% | 0.04x | 1.02x | $-139.64 Million |
| 2022 | 13.45% | 30.08% | 0.05x | 9.71x | $6.85 Million |
| 2023 | 12.00% | 20.81% | 0.06x | 9.19x | $4.43 Million |
| 2024 | -4.80% | -7.24% | 0.06x | 10.71x | $-30.78 Million |
| 2025 | 7.14% | 11.49% | 0.06x | 10.12x | $-6.25 Million |
Industry Comparison
This section compares Mainstreet Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Mainstreet Bank (MNSB) | $214.98 Million | -11.48% | 9.34x | $154.65 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About Mainstreet Bank
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. It offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business a… Read more