MainStreet Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, MainStreet Bank reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $1.93B in Q3 2026, up 6.1% from $1.82B in Q3 2025. That is 86.4% of its total assets. Across the 12 quarters shown it ranged from $1.69B (Q4 2023) to $1.94B (Q2 2026).
Core deposits to total deposits climbed 16.57 percentage points in Q3 2026, from 56.52% to 73.09%. It was the largest change from Q2 2026 among the key lines here. Within Virginia, MainStreet Bank is 15th of 56 on total deposits, $1.93B as of Q3 2026. MainStreet Bank reported $1.93B on total deposits for Q3 2026, 15% above the $1.68B median for banks in the $1B-10B asset tier.
Deposit totals
Largest change in this table: deposits to total liabilities, down 0.20 points to 98.71% in Q3 2026 after 98.91% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $1.93B |
| Domestic office deposits | $1.93B |
| Foreign office deposits | — |
| Deposits to total assets | 86.37% |
| Deposits to total liabilities | 98.71% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Transaction accounts to domestic deposits changed the most here, down 1.44 points to 30.13% in Q3 2026 from 31.57% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $447.2M |
| Savings deposits | $13.4M |
| Transaction accounts to domestic deposits | 30.13% |
| Time deposits to total deposits | 40.94% |
| Time deposits under $100k | $36.5M |
| Time deposits $100k to $250k | $577.4M |
| Time deposits over $250k | $175.0M |
| Noninterest-bearing share of deposits | 17.90% |
Stability of funding
| Line item | Q3 2026 |
|---|---|
| Core deposits | $1.41B |
| Core deposits to total deposits | 73.09% |
| Insured deposits | $1.42B |
| Uninsured deposits | $506.0M |
| Uninsured deposits to total deposits | 26.26% |
| Brokered deposits | $343.6M |
| Brokered deposits to total deposits | 17.83% |
Cost of deposits
Loans and leases to core deposits moved most in this table, up 0.64 points: 110.71% in Q2 2026, 111.35% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.39% |
| Interest expense on deposits | $13.4M |
| Loans and leases to core deposits | 111.35% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $1.69B | 56.07% | 22.70% | 34.02% | 4.63% |
| Q1 2024 | $1.74B | 55.04% | 22.50% | 34.52% | 4.74% |
| Q2 2024 | $1.76B | 52.88% | 21.63% | 36.88% | 4.82% |
| Q3 2024 | $1.89B | 53.74% | 23.32% | 36.30% | 4.49% |
| Q4 2024 | $1.91B | 52.45% | 22.57% | 37.45% | 4.66% |
| Q1 2025 | $1.91B | 55.85% | 25.93% | 34.24% | 3.96% |
| Q2 2025 | $1.80B | 55.86% | 25.89% | 34.05% | 3.88% |
| Q3 2025 | $1.82B | 56.02% | 25.51% | 34.67% | 3.93% |
| Q4 2025 | $1.90B | 56.91% | 28.29% | 33.56% | 3.71% |
| Q1 2026 | $1.92B | 57.75% | 28.46% | 32.76% | 3.36% |
| Q2 2026 | $1.94B | 56.52% | 27.82% | 34.25% | 3.31% |
| Q3 2026 | $1.93B | 73.09% | 26.26% | 17.83% | 3.39% |
MainStreet Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)