Bank Safety Analysis
Is MainStreet Bank Safe? Fairfax, Virginia
Based on its Q3 2026 call report, MainStreet Bank meets every capital ratio test for well capitalized, its Texas ratio is 31.32%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of MainStreet Bank and never asks for online banking logins or passwords.
Short answer: is MainStreet Bank safe?
On its Q3 2026 call report, MainStreet Bank's CET1 ratio is 14.10%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 14.10%
- Tier 1 leverage ratio (Q3 2026): 12.66%
- Texas ratio (Q3 2026): 31.32%
- Noncurrent loans ratio (Q3 2026): 4.72%
MainStreet Bank is an FDIC-insured commercial bank (FDIC Certificate #57742). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report MainStreet Bank (FDIC Certificate #57742) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Get an email when MainStreet Bank files its next quarter, so you can check this answer again. Free account, no card.
MainStreet Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 3 risk screens are flagged: nonperforming loan ratio, loan-to-deposit ratio, and commercial real estate to capital.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 1.57 percentage points in Q3 2026, from 3.15% to 4.72%. It was the largest change from Q2 2026 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).
From Q4 2023 to Q3 2026, MainStreet Bank's CET1 ratio ranged between 14.10% (Q3 2026) and 16.22% (Q4 2023) and its Texas ratio ranged between 0.20% (Q4 2023) and 31.32% (Q3 2026). Between Q3 2025 and Q3 2026, MainStreet Bank's CET1 ratio fell from 15.16% to 14.10%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.29% to 4.72%, Texas ratio rose from 7.37% to 31.32% and return on assets fell from 0.95% to 0.77%.
By total assets at Q3 2026, MainStreet Bank is the 16th largest of the 56 banks headquartered in Virginia. Non-owner-occupied commercial real estate loans are its largest loan category, $586.8M of $1.95B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, MainStreet Bank's CET1 ratio of 14.10% is above the 13.60% median, Tier 1 leverage ratio of 12.66% is above the 10.54% median, nonperforming loans ratio of 4.72% is above the 0.54% median, Texas ratio of 31.32% is above the 3.95% median, and efficiency ratio of 62.88% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
MainStreet Bank's composite risk score is 0.62 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does MainStreet Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does MainStreet Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 14.10% | Within range |
| Texas ratio BankRegReports band | 31.32% | Within range |
| Nonperforming loan ratio BankRegReports band | 4.72% | Flagged |
| Uninsured deposit share BankRegReports band | 26.26% | Within range |
| Loan-to-deposit ratio BankRegReports band | 101.24% | Flagged |
| Commercial real estate to capital supervisory threshold | 374.63% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.31% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 14.10% |
| Q2 2026 | 14.14% |
| Q1 2026 | 14.63% |
| Q4 2025 | 15.05% |
| Q3 2025 | 15.16% |
| Q2 2025 | 15.39% |
| Q1 2025 | 14.78% |
| Q4 2024 | 14.64% |
| Q3 2024 | 15.97% |
| Q2 2024 | 15.85% |
| Q1 2024 | 16.12% |
| Q4 2023 | 16.22% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 31.32% |
| Q2 2026 | 20.74% |
| Q1 2026 | 18.52% |
| Q4 2025 | 10.89% |
| Q3 2025 | 7.37% |
| Q2 2025 | 1.93% |
| Q1 2025 | 7.45% |
| Q4 2024 | 7.50% |
| Q3 2024 | 8.92% |
| Q2 2024 | 6.64% |
| Q1 2024 | 2.91% |
| Q4 2023 | 0.20% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $586.8M
- Owner-occupied commercial real estate loans: $487.6M
- Construction and land development loans: $310.4M
- Multifamily loans: $242.0M
- 1-4 family residential loans: $233.8M
- Commercial and industrial loans: $58.7M
- Loans to nondepository financial institutions: $35.1M
- Auto loans: $334K
How have MainStreet Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $2.23B | 14.10% | 12.66% | 4.72% | 31.32% | 62.88% |
| Jun 30, 2026 | $2.24B | 14.14% | 12.78% | 3.15% | 20.74% | 62.12% |
| Mar 31, 2026 | $2.22B | 14.63% | 12.81% | 2.87% | 18.52% | 67.57% |
| Dec 31, 2025 | $2.21B | 15.05% | 13.28% | 1.69% | 10.89% | 67.83% |
| Sep 30, 2025 | $2.12B | 15.16% | 13.42% | 1.29% | 7.37% | 66.82% |
| Jun 30, 2025 | $2.11B | 15.39% | 13.21% | 0.40% | 1.93% | 71.44% |
| Mar 31, 2025 | $2.22B | 14.78% | 12.90% | 1.36% | 7.45% | 78.06% |
| Dec 31, 2024 | $2.22B | 14.64% | 12.08% | 1.37% | 7.50% | 80.58% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is MainStreet Bank FDIC insured?
Yes. MainStreet Bank is an FDIC-insured commercial bank (FDIC Certificate #57742). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is MainStreet Bank well capitalized?
On its Q3 2026 call report, MainStreet Bank's CET1 ratio is 14.10%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are MainStreet Bank's key safety ratios?
For Q3 2026, MainStreet Bank reports CET1 14.10%, leverage 12.66%, Texas ratio 31.32%, noncurrent loans 4.72%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if MainStreet Bank fails?
For Q3 2026, MainStreet Bank reported $1.93B in total deposits, 26.26% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full MainStreet Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
MainStreet Bank fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 57742) · FFIEC NIC profile (RSSD 3248849)
Explore: Full MainStreet Bank profile · Other banks in VA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.