Main Street Bank Corp.
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Data as of · sourced from FFIEC call reports. How we update
Main Street Bank Corp. is an FDIC-insured commercial bank headquartered in Wooster, OH, established in 1899 (FDIC certificate 29847), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.55B, up 7.3% from Q2 2025, the 24th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 11.63% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29847
- Headquarters
- Wooster, OH
- Established
- 1899
- Total assets, Q2 2026
- $1.55B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 11.63%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 043404647
- Latest call report
- Q2 2026, FFIEC 051 · Main Street Bank Corp. call report
- Holding company
- MAIN STREET FINANCIAL SERVICES CORP
- Asset rank in state
- 24th of 154 in Ohio
Main Street Bank Corp., based in Wooster, Ohio, reported $1.6 billion in assets at June 30, 2026, up 7.3% from a year earlier. It holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $6.3 million, 62% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.40% a year earlier. Where it has less room is capital: it funds 9.25% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Main Street Bank Corp. reported a CET1 capital ratio of 11.63%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 5.60%. The figures come from its call report filed with the FFIEC.
Main Street Bank Corp. ranks as the 24th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $1.55B, loans rose 0.9% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.9% of total loans, followed by owner-occupied commercial real estate loans at 16.3%. Its 21 offices in the FDIC Summary of Deposits are in 17 cities across 2 states; its Wheeling 2 offices book 28% of its branch deposits. On its Q2 2026 call report, Main Street Bank Corp. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 151 N Market St, Wooster, OH 44691
- County
- Wayne
- Metro Area
- Wooster, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Former names
- Wayne Savings Community Bank (1997-2024)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 168
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $13.8M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $1.55B
- Average total loans
- $1.30B
- Average interest-bearing deposits
- $1.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29847
- Fed RSSD
- 985479
- Website
- www.mymainstreetbank.bank →
- Parent Holding Company
- MAIN STREET FINANCIAL SERVICES CORP (RSSD 3178900)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Main Street Bank Corp.'s total assets ranged from $800.2M (Q3 2023) to $1.55B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.55B total assets against $1.45B; $1.40B total liabilities against $1.32B.
$1.27B net loans and leases against $1.16B; $1.39B total deposits against $1.24B.
$153.5M securities against $158.1M; $58.9M cash and balances due against $52.4M.
$22.8M total interest income against $20.8M; $8.4M total interest expense against $8.0M.
$14.4M net interest income against $12.8M.
$1.2M total noninterest income against $786K; $7.5M total noninterest expense against $8.2M.
$154K provision for credit losses against $375K.
$6.3M net income against $3.9M.
1.63% return on assets against 1.09%; 3.86% net interest margin against 3.74%.
11.63% CET1 capital ratio against 11.14%; 9.25% tier 1 leverage ratio against 8.97%.
Inside the full Main Street Bank Corp. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMain Street Bank Corp. rankings
Its closest position to the top of a national ranking is 394 of 3,606, for efficiency ratio; its furthest is 880 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.02% (Q4 2024) to 1.63% (Q2 2026) and its net interest margin ran from 3.32% (Q4 2024) to 3.96% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 1.63% | 0.66% | 5.60% | 3.86% |
| Q1 2026 | 11.88% | 1.33% | 0.50% | 4.40% | 3.83% |
| Q4 2025 | 11.37% | 1.38% | 0.44% | 3.90% | 3.96% |
| Q3 2025 | 11.08% | 1.31% | 0.42% | 3.96% | 3.76% |
| Q2 2025 | 11.14% | 1.09% | 0.40% | 4.05% | 3.74% |
| Q1 2025 | 11.36% | 1.09% | 0.43% | 4.28% | 3.50% |
| Q4 2024 | 11.31% | 1.02% | 0.54% | 5.01% | 3.32% |
| Q3 2024 | 10.81% | 1.10% | 0.48% | 4.56% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mo Branch | Wheeling , WV | 26003 | $310.3M |
| Main Street Bank Corp. (main office) | Wooster , OH | 44691 | $198.9M |
| Wellsburg Branch | Wellsburg , WV | 26070 | $105.9M |
| Elm Grove Branch | Wheeling , WV | 26003 | $81.3M |
| 233 Claremont Branch | Ashland , OH | 44805 | $81.2M |
| Moundsville Branch | Moundsville , WV | 26041 | $78.4M |
| 237 N Main St Branch | Rittman , OH | 44270 | $65.5M |
| Creston Branch | Creston , OH | 44217 | $54.7M |
| North Canton Branch | North Canton , OH | 44720 | $51.8M |
| 303 Highland Drive Branch | Lodi , OH | 44254 | $49.7M |
| Washingtonville Branch | Washingtonville , OH | 44490 | $47.3M |
| 1926 Cleveland Rd Branch | Wooster , OH | 44691 | $46.3M |
| North Clay Street Branch | Millersburg , OH | 44654 | $43.5M |
| Riffel Road Branch | Wooster , OH | 44691 | $43.1M |
| Sugarbush Branch | Ashland , OH | 44805 | $37.3M |
| 130 South Wenger Road Branch | Dalton , OH | 44618 | $25.4M |
| Wayne Savings Community Bank Branch | Carrollton , OH | 44615 | $22.3M |
| Toronto Branch | Toronto , OH | 43964 | $17.1M |
| Main Street Corp Branch | Saint Clairsville , OH | 43950 | $13.7M |
| Wayne Savings Community Bank Branch | Fredericksburg , OH | 44627 | $13.3M |
| Canfield Branch | Canfield , OH | 44406 | $2.0M |
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 |
|---|---|---|---|
| June 1, 2024 | Structure Change | Acquired Main Street Bank Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Structure Change | Acquired Stebbins National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2003 | Structure Change | Acquired Village Savings Bank, F.S.B. 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 45 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Main Street Bank Corp.
What are Main Street Bank Corp.'s total assets?
As of the Q2 2026 filing, Main Street Bank Corp. reported total assets of $1.55 billion in its FFIEC call report.
Where is Main Street Bank Corp. headquartered?
It is headquartered in Wooster, OH, United States.
When was Main Street Bank Corp. founded?
It was established in 1899, per the FDIC institution directory.
Is Main Street Bank Corp. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29847). 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 Corp.?
Main Street Bank Corp.'s primary federal regulator is the FDIC.
What is Main Street Bank Corp.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.63% in its Q2 2026 call report, above regulatory requirements.
How many branches does Main Street Bank Corp. operate?
It operates 21 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 Corp.'s Texas Ratio?
Its Texas Ratio is 5.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Main Street Bank Corp. previously called?
The charter now named Main Street Bank Corp. has also operated as Wayne Savings Community Bank (1997-2024), per FDIC structure-change records.
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