MAIN STREET BANK CORP.

WOOSTER, OH | Large | Est. Jan. 1, 1899, midnight | FDIC #29847 | RSSD #985479 | FDIC
Latest Report: 2025-12-31

MAIN STREET BANK CORP. is aln large FDIC-insured commercial bank headquartered in WOOSTER, OH, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.3B. Profitability stands at 1.39% ROA and 14.62% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 11.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.51%. FDIC Certificate #29847.

Assets

$1.5B

Deposits

$1.3B

Loans

$1.2B

Equity

$143M

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 14.62%
Net Interest Margin (NIM) 4.12%
Yield on Assets 6.49%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.51%
NPA Ratio 0.37%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.37%
Tier 1 Capital 11.37%
Total Capital Ratio 12.53%
Leverage Ratio 9.02%
Loan-to-Deposit 91.52%

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