MainStreet Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
MainStreet Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 14.10% in Q3 2026, down 1.05 percentage points from 15.16% in Q3 2025. Across the 12 quarters shown it ranged from 14.10% (Q3 2026) to 16.22% (Q4 2023).
In Q3 2026, Equity capital to average assets edged down by 0.21 percentage points, from 12.62% to 12.41%, the largest move among the key lines here. MainStreet Bank ranks 24th of 42 Virginia banks on CET1 ratio, in the lower half at 14.10% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. MainStreet Bank sits 0.50 points higher, at 14.10% (Q3 2026).
Risk-based capital ratios
Tier 1 leverage ratio changed the most here, down 0.12 points to 12.66% in Q3 2026 from 12.78% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.10% |
| Tier 1 risk-based capital ratio | 14.10% |
| Total risk-based capital ratio | 15.10% |
| Tier 1 leverage ratio | 12.66% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Risk-weighted assets changed the most here, up 0.9% to $2.01B in Q3 2026 from $2.00B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $284.1M |
| Tier 1 capital | $284.1M |
| Total risk-based capital | $304.2M |
| Total equity capital | $278.8M |
| Risk-weighted assets | $2.01B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.49% |
| Tangible equity to tangible assets | 12.49% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 4.41% |
Capital structure
Retained earnings changed the most here, up 1.9% to $113.5M in Q3 2026 from $111.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $28.9M |
| Common stock surplus | $144.4M |
| Retained earnings | $113.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.1M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 16.22% | 16.22% | 17.18% | 14.66% | $1.82B |
| Q1 2024 | 16.12% | 16.12% | 17.05% | 14.54% | $1.84B |
| Q2 2024 | 15.85% | 15.85% | 16.78% | 14.22% | $1.88B |
| Q3 2024 | 15.97% | 15.97% | 16.96% | 13.98% | $1.86B |
| Q4 2024 | 14.64% | 14.64% | 15.69% | 12.08% | $1.89B |
| Q1 2025 | 14.78% | 14.78% | 15.83% | 12.90% | $1.88B |
| Q2 2025 | 15.39% | 15.39% | 16.44% | 13.21% | $1.84B |
| Q3 2025 | 15.16% | 15.16% | 16.18% | 13.42% | $1.88B |
| Q4 2025 | 15.05% | 15.05% | 16.08% | 13.28% | $1.91B |
| Q1 2026 | 14.63% | 14.63% | 15.64% | 12.81% | $1.91B |
| Q2 2026 | 14.14% | 14.14% | 15.14% | 12.78% | $2.00B |
| Q3 2026 | 14.10% | 14.10% | 15.10% | 12.66% | $2.01B |
MainStreet Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full MainStreet Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 57742) · FFIEC NIC profile (RSSD 3248849)