Main Street Bank Corp.: 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.
Reserve coverage of non-performing loans dropped 14.33 percentage points in Q2 2026, from 174.71% to 160.38%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Main Street Bank Corp. is 21st of 156 on return on assets, 1.63% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Main Street Bank Corp. sits 0.35 points higher, at 1.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.63% |
| Tier 1 risk-based capital ratio | 11.63% |
| Total risk-based capital ratio | 12.80% |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 9.74% |
| Tangible equity to tangible assets | 8.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 6.69% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 160.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 16.96% |
| Net interest margin | 3.86% |
| Efficiency ratio | 44.44% |
| Yield on earning assets | 6.09% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.72% |
| Core deposits to total deposits | 87.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.40% |
| Securities to assets | 9.88% |
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 | 9.33% | 9.33% | 10.49% | 7.50% | 0.92% |
| Q4 2023 | 9.58% | 9.58% | 10.75% | 7.57% | 1.03% |
| Q1 2024 | 9.63% | 9.63% | 10.76% | 7.61% | 0.78% |
| Q2 2024 | 11.60% | 11.60% | 12.81% | 11.87% | -1.28% |
| Q3 2024 | 10.81% | 10.81% | 11.91% | 8.86% | 1.10% |
| Q4 2024 | 11.31% | 11.31% | 12.43% | 8.88% | 1.02% |
| Q1 2025 | 11.36% | 11.36% | 12.50% | 9.00% | 1.09% |
| Q2 2025 | 11.14% | 11.14% | 12.27% | 8.97% | 1.09% |
| Q3 2025 | 11.08% | 11.08% | 12.22% | 8.96% | 1.31% |
| Q4 2025 | 11.37% | 11.37% | 12.53% | 9.02% | 1.38% |
| Q1 2026 | 11.88% | 11.88% | 13.11% | 9.15% | 1.33% |
| Q2 2026 | 11.63% | 11.63% | 12.80% | 9.25% | 1.63% |
Main Street Bank Corp. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street Bank Corp., 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 Corp. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29847) · FFIEC NIC profile (RSSD 985479)