MAINSTREET COMMUNITY BANK OF FLORIDA

DELAND, FL | Medium | Est. Oct. 24, 2003, midnight | FDIC #57598 | RSSD #3217957 | FDIC
Latest Report: 2025-12-31

MAINSTREET COMMUNITY BANK OF FLORIDA is amn medium FDIC-insured commercial bank headquartered in DELAND, FL, established in Oct. 24, 2003, midnight. As of 2025-12-31, the bank reported total assets of $911M and total deposits of $825M. Profitability stands at 0.80% ROA and 9.67% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 8.66%. Asset quality metrics show a non-performing loan ratio of 1.42% and a Texas Ratio of 13.99%. FDIC Certificate #57598.

Assets

$911M

Deposits

$825M

Loans

$673M

Equity

$79M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 9.67%
Net Interest Margin (NIM) 3.67%
Yield on Assets 5.50%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 1.42%
Net Charge-Off Ratio 0.33%
Texas Ratio 13.99%
NPA Ratio 1.34%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 8.66%
Tier 1 Capital 8.66%
Total Capital Ratio 9.09%
Leverage Ratio 9.10%
Loan-to-Deposit 81.53%

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