Main Street Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.23 percentage points lower than in Q1 2026, at 90.06%. Within Massachusetts, Main Street Bank is 41st of 89 on return on assets, 0.71% as of Q2 2026, above the middle of the field. Main Street Bank reported 0.71% on return on assets for Q2 2026, 0.56 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.31% |
| Tier 1 risk-based capital ratio | 17.31% |
| Total risk-based capital ratio | 18.31% |
| Tier 1 leverage ratio | 12.04% |
| Equity capital to assets | 11.03% |
| Tangible equity to tangible assets | 10.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.69% |
| Non-performing assets ratio | 1.27% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 10.91% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 53.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 6.60% |
| Net interest margin | 2.94% |
| Efficiency ratio | 69.91% |
| Yield on earning assets | 5.00% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.06% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 7.72% |
| Deposits to assets | 83.67% |
| Securities to assets | 19.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.97% | 0.37% |
| Q4 2023 | — | — | — | 9.49% | 0.34% |
| Q1 2024 | — | — | — | 9.70% | 0.15% |
| Q2 2024 | 13.49% | 13.49% | 14.71% | 10.10% | 0.50% |
| Q3 2024 | 14.27% | 14.27% | 15.48% | 10.48% | 0.60% |
| Q4 2024 | 14.37% | 14.37% | 15.48% | 10.61% | 0.68% |
| Q1 2025 | 15.04% | 15.04% | 16.08% | 10.63% | 0.68% |
| Q2 2025 | 14.82% | 14.82% | 15.78% | 11.07% | 0.62% |
| Q3 2025 | 15.84% | 15.84% | 16.72% | 11.44% | 0.75% |
| Q4 2025 | 16.26% | 16.26% | 17.29% | 11.80% | 0.44% |
| Q1 2026 | 16.51% | 16.51% | 17.52% | 12.06% | 0.53% |
| Q2 2026 | 17.31% | 17.31% | 18.31% | 12.04% | 0.71% |
Main Street Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Main Street Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90235) · FFIEC NIC profile (RSSD 818401)