MainStreet Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
MainStreet Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
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 40th of 56 on return on assets, 0.77% as of Q3 2026. The median for banks in the $1B-10B asset tier is 1.30% on return on assets. MainStreet Bank sits 0.53 points lower, at 0.77% (Q3 2026).
Capital adequacy
Largest change in this table: tier 1 leverage ratio, down 0.12 points to 12.66% in Q3 2026 after 12.78% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 14.10% |
| Tier 1 risk-based capital ratio | 14.10% |
| Total risk-based capital ratio | 15.10% |
| Tier 1 leverage ratio | 12.66% |
| Equity capital to assets | 12.49% |
| Tangible equity to tangible assets | 12.49% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: reserve coverage of nonperforming loans, down 9.82 points to 21.68% in Q3 2026 after 31.50% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 4.72% |
| Nonperforming assets ratio | 4.20% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 31.32% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of nonperforming loans | 21.68% |
Earnings
Return on assets moved most in this table, down 0.20 points: 0.97% in Q2 2026, 0.77% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.77% |
| Return on equity | 6.21% |
| Net interest margin | 3.73% |
| Efficiency ratio | 62.88% |
| Yield on earning assets | 6.26% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 101.24% |
| Core deposits to total deposits | 73.09% |
| Brokered deposits to total deposits | 17.83% |
| Deposits to assets | 86.37% |
| Securities to assets | 2.93% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 16.22% | 16.22% | 17.18% | 14.66% | 1.11% |
| Q1 2024 | 16.12% | 16.12% | 17.05% | 14.54% | 0.77% |
| Q2 2024 | 15.85% | 15.85% | 16.78% | 14.22% | 0.59% |
| Q3 2024 | 15.97% | 15.97% | 16.96% | 13.98% | 0.17% |
| Q4 2024 | 14.64% | 14.64% | 15.69% | 12.08% | -2.70% |
| Q1 2025 | 14.78% | 14.78% | 15.83% | 12.90% | 0.56% |
| Q2 2025 | 15.39% | 15.39% | 16.44% | 13.21% | 0.95% |
| Q3 2025 | 15.16% | 15.16% | 16.18% | 13.42% | 0.95% |
| Q4 2025 | 15.05% | 15.05% | 16.08% | 13.28% | 0.86% |
| Q1 2026 | 14.63% | 14.63% | 15.64% | 12.81% | 0.86% |
| Q2 2026 | 14.14% | 14.14% | 15.14% | 12.78% | 0.97% |
| Q3 2026 | 14.10% | 14.10% | 15.10% | 12.66% | 0.77% |
MainStreet Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)