MainStreet Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
MainStreet Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 6.26% in Q3 2026, down 0.20 percentage points from 6.46% in Q3 2025. Across the 12 quarters shown it ranged from 6.04% (Q1 2026) to 6.90% (Q4 2023).
Total interest expense rose 3.6% from Q2 2026 to Q3 2026, ending at $13.5M against $13.0M. It was the largest change among the key lines on this page. Within Virginia, MainStreet Bank is 34th of 56 on net interest margin, 3.73% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin; MainStreet Bank reported 3.73% for Q3 2026, nearly level with it.
Asset yields
Yield on earning assets moved most in this table, up 0.14 points: 6.12% in Q2 2026, 6.26% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 6.54% |
| Yield on securities | 4.16% |
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Funding costs
Cost of borrowings moved most in this table, up 0.25 points: 3.92% in Q2 2026, 4.17% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.39% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 4.17% |
Spread and margin
Net interest margin changed the most here, up 0.09 points to 3.73% in Q3 2026 from 3.64% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $31.8M |
| Total interest expense | $13.5M |
| Interest expense on deposits | $13.4M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 6.90% | 3.53% | 3.74% | 7.21% | 4.26% |
| Q1 2024 | 6.79% | 3.80% | 3.41% | 7.10% | 4.06% |
| Q2 2024 | 6.83% | 3.95% | 3.32% | 7.12% | 4.14% |
| Q3 2024 | 6.68% | 3.82% | 3.29% | 7.02% | 3.64% |
| Q4 2024 | 6.41% | 3.74% | 3.05% | 6.93% | 2.34% |
| Q1 2025 | 6.42% | 3.36% | 3.38% | 6.77% | 3.75% |
| Q2 2025 | 6.75% | 3.20% | 3.86% | 7.15% | 3.78% |
| Q3 2025 | 6.46% | 3.21% | 3.57% | 6.81% | 3.84% |
| Q4 2025 | 6.21% | 3.00% | 3.50% | 6.58% | 3.88% |
| Q1 2026 | 6.04% | 2.73% | 3.54% | 6.34% | 3.96% |
| Q2 2026 | 6.12% | 2.72% | 3.64% | 6.40% | 4.03% |
| Q3 2026 | 6.26% | 2.78% | 3.73% | 6.54% | 4.16% |
MainStreet Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)