Main Street Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Main Street Bank. It reported $1.7 billion in assets at June 30, 2026, down 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.69% of loans from 0.55% a year earlier. It shrank its loan book 5.1% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also keeps 2.94 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Delinquency has appeared in its $203 million non-owner-occupied commercial real estate book: 5.44% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 17% from a year earlier, to $3.0 million. Profitability lags: it returns 6.6% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, Main Street Bank reported a CET1 capital ratio of 17.31%, a return on assets of 0.71%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 10.91%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 81 Granger Blvd, Marlborough, MA 01752
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 3, 1860
- Former names
- Marlborough Savings Bank (1971-2017)
- Offices
- 6 domestic
- Employees (FTE)
- 161
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $11.3M
- Net charge-offs (YTD)
- -$96K
- Average total assets
- $1.68B
- Average total loans
- $1.27B
- Average interest-bearing deposits
- $1.05B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 15, 1985
- FDIC Cert
- 90235
- Fed RSSD
- 818401
- Website
- www.bankmainstreet.com →
- Parent Holding Company
- MAIN STREET GROUP BANCSHARES INC (RSSD 3469363)
- Ultimate Parent
- MAIN STREET GROUP BANCSHARES MHC (RSSD 3469354)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Main Street Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Main Street Bank, freeMain Street Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.31% | 0.71% | 1.69% | 10.91% | 2.94% |
| Q1 2026 | 16.51% | 0.53% | 1.66% | 11.18% | 2.96% |
| Q4 2025 | 16.26% | 0.44% | 0.90% | 6.19% | 3.11% |
| Q3 2025 | 15.84% | 0.75% | 0.50% | 3.57% | 2.85% |
| Q2 2025 | 14.82% | 0.62% | 0.56% | 4.32% | 2.75% |
| Q1 2025 | 15.04% | 0.68% | 0.85% | 6.76% | 2.62% |
| Q4 2024 | 14.37% | 0.68% | 0.83% | 6.97% | 2.48% |
| Q3 2024 | 14.27% | 0.60% | 0.36% | 3.02% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Main Street Bank (main office) | Marlborough , MA | 01752 | $729.6M |
| North Middlesex Svgs Br | Ayer , MA | 01432 | $243.6M |
| Pepperell Branch | Pepperell , MA | 01463 | $126.7M |
| Hudson Branch | Hudson , MA | 01749 | $113.6M |
| Northborough Branch | Northborough , MA | 01532 | $91.9M |
| Southborough Branch | Southborough , MA | 01772 | $88.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired North Middlesex Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Main Street Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MA, rank 38 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $925K approved, $462K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Main Street Bank
What are Main Street Bank's total assets?
As of the Q2 2026 filing, Main Street Bank reported total assets of $1.67 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Main Street Bank headquartered?
Main Street Bank is headquartered in Marlborough, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Main Street Bank founded?
Main Street Bank was established in 1860, per the FDIC institution directory.
Is Main Street Bank FDIC-insured?
Yes. Main Street Bank is an FDIC-insured savings bank (FDIC Certificate #90235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Main Street Bank?
Main Street Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Main Street Bank's CET1 capital ratio?
Main Street Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Main Street Bank operate?
Main Street Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Main Street Bank's Texas Ratio?
Main Street Bank's Texas Ratio is 10.91% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Main Street Bank previously called?
The charter now named Main Street Bank has also operated as Marlborough Savings Bank (1971-2017), per FDIC structure-change records.
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