Main Street Bank Corp.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Main Street Bank Corp. of Wooster, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.46% | +0.17% | 73rd above |
| ROAE | 16.96% | 12.71% | +4.25% | 81st top |
| Net Interest Margin | 3.86% | 3.85% | +0.01% | 60th above |
| Efficiency Ratio | 44.44% | 57.41% | -12.97% | 88th top |
| PPNR / Avg Assets | 2.09% | 1.88% | +0.21% | 73rd above |
| Yield on Earning Assets | 6.09% | 5.72% | +0.37% | 79th top |
| Cost of Funds | 2.19% | 2.02% | +0.17% | 38th below |
| Net Interest Spread | 3.38% | 3.18% | +0.20% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 1.00% | -0.33% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.76% | -0.21% | 45th below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 55th above |
| ACL / Total Loans | 1.07% | 1.31% | -0.24% | 39th below |
| ACL / NPLs (Coverage) | 160.38% | 543.59% | -383.21% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.69% | 7.39% | -0.70% | 36th below |
| Provision / NCO | 2847.83% | 617.02% | +2230.81% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.63% | 17.34% | -5.71% | 18th bottom |
| Tier 1 Ratio | 11.63% | 17.37% | -5.74% | 18th bottom |
| Total Capital Ratio | 12.80% | 18.42% | -5.62% | 19th bottom |
| Leverage Ratio | 9.25% | 11.44% | -2.19% | 17th bottom |
| Equity / Assets | 9.74% | 11.34% | -1.60% | 37th below |
| TCE / Tangible Assets | 8.97% | 10.50% | -1.53% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.72% | 86.95% | +5.77% | 36th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.89% | 85.55% | +2.34% | 46th below |
| Uninsured Deposit Ratio | 15.89% | 33.13% | -17.24% | 90th top |
| Wholesale Funding Ratio | 0.35% | 5.71% | -5.36% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.28% | 9.68% | -2.40% | 64th above |
| Loan Growth (Y/Y) | 9.69% | 8.05% | +1.64% | 72nd above |
| Deposit Growth (Y/Y) | 11.76% | 7.87% | +3.89% | 80th top |
See Main Street Bank Corp.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Main Street Bank Corp., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Main Street Bank Corp. profile, how to read a UBPR, or how this data updates.