MainStreet Bancshares is the holding company for MainStreet Bank, a community commercial bank serving Northern Virginia and the greater Washington, D.C. metro area. The bank has operated since 2004 and runs a "branch-light" model with eight locations across the region. The core business is straightforward: gather deposits from local individuals and businesses, then deploy that capital into commercial and real estate loans, primarily targeting small to medium-sized businesses and professionals. CRE lending dominates the loan book, with non-owner occupied CRE, owner-occupied CRE, construction, and multifamily collectively representing the large majority of loans. The bank also operates a niche government contracting lending business, providing asset-based lines of credit to federal contractors, though this portfolio functions primarily as a source of low-cost deposits rather than a significant credit business. MainStreet makes money primarily through net interest income — the spread between loan and investment yields and deposit costs. Key levers include loan volume and yield, deposit pricing, and maintaining a high loan-to-deposit ratio of roughly 96-100%. Non-interest income is a secondary contributor. A notable recent development is the shutdown of "Avenue," a banking-as-a-service platform the bank had been building for fintech clients, which was discontinued in Q1 2025 after costs and timelines repeatedly exceeded expectations. MainStreet is now fully refocused on its core community bank. Growth strategy is organic and conservative, centered on branch-light expansion, relationship-driven deposit gathering, and balanced loan growth constrained partly by CRE concentration limits approaching the bank's self-imposed capital ceiling.