Main Street Bank
Asset quality shifted last quarter — NPLs rose to 1.66% from 0.90% in the prior period. Headquartered in Marlborough, Main Street Bank serves the Massachusetts market as a community-focused commercial bank. Total assets stand at $1.6B. Profitability runs below industry average — 0.53% ROA, 4.86% ROE, with NIM at 2.96%. Regulatory capital is solid — 16.51% CET1 and 17.52% total risk-based capital ratio. Credit conditions bear watching: 1.66% NPL ratio with a 11.18% Texas Ratio (elevated but below the 100% concern level). It operates 6 branches, primarily in Massachusetts.
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
- Fed District
- 2
- Established
- April 3, 1860
- Branches
- 6 domestic
- Employees (FTE)
- 141
- FDIC Cert
- 90235
- Fed RSSD
- 818401
- Website
- www.bankmainstreet.com →
- Parent Holding Company
- MAIN STREET GROUP BANCSHARES INC (RSSD 3469363)
Capital & Liquidity
Inside the full Main Street Bank terminal
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Main Street Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Main Street Bank
What are Main Street Bank's total assets?
As of the Q1 2026 filing, Main Street Bank reported total assets of $1.61 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 commercial 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 16.51% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Main Street Bank operate?
Main Street Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Main Street Bank's Texas Ratio?
Main Street Bank's Texas Ratio is 11.18% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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