MainStreet Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
MainStreet Bank reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $98.4M in Q3 2026, down 22.7% from $127.3M in Q3 2025. That is 4.4% of its total assets. Across the 12 quarters shown it ranged from $91.5M (Q2 2024) to $232.1M (Q3 2024).
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. MainStreet Bank ranks 6th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 101.24% (Q3 2026). The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. MainStreet Bank sits 13.11 points higher, at 101.24% (Q3 2026).
Liquid assets
Cash and balances due from depository institutions moved most in this table, down 10.0%: $109.3M in Q2 2026, $98.4M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $98.4M |
| Cash and noninterest-bearing balances to assets | 4.41% |
| Cash and securities | $163.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 101.24% |
| Net loans and leases to deposits | 100.21% |
| Loans and leases to core deposits | 111.35% |
| Core deposits to total deposits | 73.09% |
| Brokered deposits to total deposits | 17.83% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 101.89% | 56.07% | $0 | $15.0M |
| Q1 2024 | 100.39% | 55.04% | $0 | $0 |
| Q2 2024 | 102.18% | 52.88% | $0 | $0 |
| Q3 2024 | 94.67% | 53.74% | $0 | $0 |
| Q4 2024 | 95.65% | 52.45% | $0 | $0 |
| Q1 2025 | 95.69% | 55.85% | $0 | $0 |
| Q2 2025 | 99.05% | 55.86% | $0 | $0 |
| Q3 2025 | 99.45% | 56.02% | $0 | $0 |
| Q4 2025 | 97.84% | 56.91% | $0 | $0 |
| Q1 2026 | 97.33% | 57.75% | $0 | $0 |
| Q2 2026 | 100.49% | 56.52% | $0 | $0 |
| Q3 2026 | 101.24% | 73.09% | $0 | $0 |
MainStreet Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)