# EDGAR Filing Document

**Accession Number:** 0001693577
**File Stem:** 0001437749-26-009702
**Filing Date:** 2026-3
**Character Count:** 10823
**Document Hash:** 73059a81a3a8b68c87acfa1653d9f7f5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001437749-26-009702.hdr.sgml**: 20260325

**ACCESSION NUMBER**: 0001437749-26-009702

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260325

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260325

**DATE AS OF CHANGE**: 20260325

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MainStreet Bancshares, Inc.
- **CENTRAL INDEX KEY:** 0001693577
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 812871064
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38817
- **FILM NUMBER:** 26789215

**BUSINESS ADDRESS:**
- **STREET 1:** 10089 FAIRFAX BOULEVARD
- **CITY:** FAIRFAX
- **STATE:** VA
- **ZIP:** 22030
- **BUSINESS PHONE:** (703) 481-4567

**MAIL ADDRESS:**
- **STREET 1:** 10089 FAIRFAX BOULEVARD
- **CITY:** FAIRFAX
- **STATE:** VA
- **ZIP:** 22030

?xml version='1.0' encoding='ASCII'? main20260325_8k.htm

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549** 

**FORM 8-K**

**CURRENT REPORT** 

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** 

**Date of Report (Date of earliest event reported): March 25, 2026**

![mlogo.jpg](mlogo.jpg)

**MainStreet Bancshares, Inc.**

**(Exact name of Registrant as Specified in Its Charter)** 

---

| | | |
|:---|:---|:---|
| **<u>Virginia</u>** | **001-38817** | **81-2871064** |
| **(State or Other Jurisdiction**<br> **of Incorporation)** | **(Commission File Number)** | **(IRS Employer**<br> **Identification No.)** |
| <u><u><u>**<u>**<u>10089 Fairfax Boulevard</u>**</u></u></u>, <u><u><u>**<u>Fairfax</u>**</u></u></u>, <u><u><u>**<u>VA</u>**</u>**</u></u></u> |  | **<u>22030</u>** |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

---

**<u>(<u><u><u>**<u>703</u>**</u></u></u>) <u><u><u>**<u>481-4567</u>**</u>**</u></u></u>

**(Registrant**'**s Telephone Number, Including Area Code)** 

**Not Applicable** 

**(Former Name or Former Address, if Changed Since Last Report)** 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

☐&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading**<br> **Symbol(s)** | **Name of each exchange on which registered** |
| Common Stock | MNSB | The Nasdaq Stock Market LLC |
| Depositary Shares (each representing a 1/40<sup>th</sup><br> interest in a share of 7.50% Series A Fixed-Rate<br> Non-Cumulative Perpetual Preferred Stock) | MNSBP | The Nasdaq Stock Market LLC |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 7.01 Regulation FD Disclosure.**

On March 25, 2026, MainStreet Bancshares, Inc. (the "Company") issued a press release regarding an addition to MainStreet Bank's Board of Directors. A copy of the related press release is attached hereto as Exhibit 99.1, is hereby incorporated by reference, and will be posted on the Company's website.

**Item 9.01 Other Events.**

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit**<br> **Number** | **Description** |
| 99.1 | [<u>Press Release, dated March 25, 2026.</u>](ex_937093.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

---

*The information furnished under Items 7.01 and 9.01 of this Current Report on Form 8-K, including the exhibits, shall not be deemed* "*filed*" *for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the* "*Exchange Act*"*), or otherwise subject to the liabilities of that Section, and it shall not be deemed incorporated by reference in any filing under the Exchange Act, or the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such filing to this Form 8-K.*

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **MAINSTREET BANCSHARES, INC** | **MAINSTREET BANCSHARES, INC** |
| Date: March 25, 2026 | By: | /s/ Richard A. Vari |
|  |  | **Name:** Richard A. Vari |
|  |  | **Title:** Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

<u>PRESS RELEASE</u> Contact: Billy Freesmeier <br> FOR IMMEDIATE RELEASE Chief of Staff <br> (703) 481-4579

<br> **MainStreet Bank Appoints Morgan Higgins to Board of Directors**<br> *New Director Brings Significant Government Contract Financing Expertise*

**Fairfax, VA, March 25, 2026** — MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the financial holding company for MainStreet Bank, announces the appointment of Morgan Higgins, seasoned financial executive, as a Director of the Bank.<br>Ms. Higgins brings over 20 years of experience in banking and government contracting, with a specific focus on strategic growth in the defense and government services markets. Ms. Higgins is a Partner at Blue Delta Capital Partners, a venture capital firm, where she leads equity investments in emerging government contracting businesses that are scaling in the U.S Federal Government market. Prior to Blue Delta, Ms. Higgins was an Executive Director at JP Morgan Chase where she helped grow and scale the Washington, D.C. Middle Market Aerospace and Government Service banking team with a focus on helping government contractors with all their banking needs including growth through mergers and acquisitions.

"Morgan brings a powerhouse combination of finance and risk mitigation in a strategic growth environment," said Jeff. W. Dick, Chairman and CEO of both the Company and the Bank. "Her track record in scaling middle-market firms and her understanding of the public sector are invaluable assets. As we continue to expand our commercial footprint, her expertise will be pivotal in driving shareholder value."

Ms. Higgins also serves as a director of Core One Solutions, CSA, as well as the National Capital Chapter of Association for Corporate Growth, which focuses on building corporate expansion and value.

"MainStreet and its board has a reputation for disciplined growth and community focus," said Higgins. "I am eager to leverage my experience in the defense and governments services sectors to help the Bank capitalize on this unique economic driver of the Washington D.C. metropolitan area."

**About MainStreet Bank:** MainStreet operates seven branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, Middleburg and Washington, D.C. MainStreet Bank has over 55,000 free ATMs and a fully integrated online and mobile banking solution. The Bank is not restricted by a conventional branching system, as it can offer business customers the ability to ***Put Our Bank in Your Office***®. With robust and easy-to-use online business banking technology, MainStreet has "put our bank" in thousands of businesses in the metropolitan area.

MainStreet Bank has a robust line of business and professional lending products, including government contracting lines of credit, commercial lines and term loans, residential and commercial construction, and commercial real estate. MainStreet also works with the SBA to offer 7A and 504 lending solutions. From sophisticated cash management to enhanced mobile banking and instant-issue Debit cards, MainStreet Bank is always looking for ways to improve our customer's experience.

MainStreet Bank was the first community bank in the Washington, D.C., metropolitan area to offer a full online business banking solution. MainStreet Bank was also the first bank headquartered in the Commonwealth of Virginia to offer CDARS – a solution that provides multi-million-dollar FDIC insurance. Further information on the Bank can be obtained by visiting its website at **mstreetbank.com**.

*This release contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties. The statements contained in this release that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Words such as* "*may,*" "*will,*" "*could,*" "*should,*" "*expect,*" "*plan,*" "*project,*" "*intend,*" "*anticipate,*" "*believe,*" "*estimate,*" "*predict,*" "*potential,*" "*pursuant,*" "*target,*" "*continue,*" *and similar expressions are intended to identify such forward-looking statements. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions in our specific market areas, future impacts of pandemic outbreaks, maintenance and development of well-established and valued client relationships and referral source relationships, and acquisition or loss of key production personnel. We caution readers that the list of factors above is not exclusive. The forward-looking statements are made as of the date of this release, and we may not undertake steps to update the forward-looking statements to reflect the impact of any circumstances or events that arise after the date the forward-looking statements are made. In addition, our past results of operations are not necessarily indicative of future performance.*