MainStreet Community Bank of Florida
MainStreet Community Bank of Florida is an FDIC-insured commercial bank headquartered in Deland, FL, supervised by the FDIC, with $976.3M in total assets at Q3 2026, up 5.1% from Q3 2025, the 33rd largest of 81 banks headquartered in Florida. It was established in 2003 and holds FDIC certificate 57598. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.47% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57598
- Headquarters
- Deland, FL
- Established
- 2003
- Total assets, Q3 2026
- $976.3M
- Assets vs Q3 2025
- +5.1%
- Tier 1 leverage ratio, Q3 2026
- 9.47%
- Domestic offices
- 9 branches
- Routing number
- 063115505
- Safety and soundness
- Is MainStreet Community Bank of Florida safe?
- Latest call report
- Q3 2026, FFIEC 051 · MainStreet Community Bank of Florida call report
- Holding company
- NORTHSTAR FINANCIAL GROUP, INC.
- Asset rank in state
- 33rd of 81 in Florida
MainStreet Community Bank of Florida leans heavily on commercial real estate. Its balance sheet stood at $976 million at September 30, 2026, up 5.1% from a year earlier; it is based in Deland, Florida. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,624 banks with $100 million to $1 billion in assets. It also grew its loan book 21.5% over the year, 3.7 times the median of 5.8% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.97% of loans from 2.07%. Loans are outrunning deposits: over the year loans rose 21.5% and deposits rose 4.3%. Where it has less room is capital: it funds 9.47% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 11.13%).
As of September 30, 2026, MainStreet Community Bank of Florida reported a return on assets of 1.05%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 8.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, MainStreet Community Bank of Florida is the 33rd largest of the 81 banks headquartered in Florida. Between Q2 2026 and Q3 2026, its total assets rose 2.4% to $976.3M, loans rose 2.1% and deposits rose 2.4%. Its loan book on September 30, 2026 was led by owner-occupied commercial real estate loans, at 28.5% of total loans, followed by non-owner-occupied commercial real estate loans at 23.7%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in FL; its Deland 2 offices book 40% of its branch deposits. By the capital ratios in its Q3 2026 call report, MainStreet Community Bank of Florida meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 204 S Woodland Blvd, Deland, FL 32720
- County
- Volusia
- Metro Area
- Deltona-Daytona Beach-Ormond Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 24, 2003
- Domestic offices
- 9 branches
- Employees (FTE)
- 109
- Domestic deposits
- $883.9M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $982.6M
- Average total loans
- $742.7M
- Average interest-bearing deposits
- $646.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 24, 2003
- FDIC Cert
- 57598
- Fed RSSD
- 3217957
- Website
- www.bankonmainstreet.com →
- Parent Holding Company
- NORTHSTAR FINANCIAL GROUP, INC. (RSSD 2958990)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch MainStreet Community Bank of Florida: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, MainStreet Community Bank of Florida reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, MainStreet Community Bank of Florida's total assets ran between $774.0M (Q4 2023) and $976.3M (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$976.3M total assets against $928.6M; $890.6M total liabilities against $854.4M.
$738.8M net loans and leases against $608.4M; $883.9M total deposits against $847.7M.
$120.2M securities against $158.7M; $71.3M cash and balances due against $116.8M.
$13.1M total interest income against $11.6M; $4.0M total interest expense against $3.9M.
$9.1M net interest income against $7.7M.
$1.0M total noninterest income against $1.1M; $6.1M total noninterest expense against $5.5M.
$552K provision for credit losses against $5K.
$2.6M net income against $2.5M.
1.05% return on assets against 1.10%; 3.90% net interest margin against 3.53%.
9.47% tier 1 leverage ratio against 8.88%.
Inside the full MainStreet Community Bank of Florida terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
MainStreet Community Bank of Florida rankings
Its closest position to the top of a national ranking is 849 of 3,644, for Texas Ratio; its furthest is 2,410 of 3,627, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.37% (Q2 2025) to 1.21% (Q2 2026) and its net interest margin ran from 3.42% (Q1 2025) to 3.90% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.47% | 1.05% | 0.97% | 8.34% | 3.90% |
| Q2 2026 | 9.45% | 1.21% | 1.27% | 12.90% | 3.84% |
| Q1 2026 | 9.35% | 0.89% | 1.36% | 13.51% | 3.64% |
| Q4 2025 | 9.10% | 0.79% | 1.42% | 14.00% | 3.48% |
| Q3 2025 | 8.88% | 1.10% | 2.07% | 15.58% | 3.53% |
| Q2 2025 | 8.92% | 0.37% | 1.31% | 10.46% | 3.51% |
| Q1 2025 | 9.09% | 0.85% | 1.04% | 8.47% | 3.42% |
| Q4 2024 | 9.04% | 0.81% | 1.10% | 9.27% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| MainStreet Community Bank of Florida (main office) | Deland , FL | 32720 | $236.7M |
| Clermont Branch | Clermont , FL | 34711 | $195.0M |
| Orange City Office Branch | Orange City , FL | 32763 | $111.4M |
| North Spring Garden Branch | Deland , FL | 32720 | $111.0M |
| Ocala Office | Ocala , FL | 34475 | $68.5M |
| John Knox Village Branch | Orange City , FL | 32763 | $48.3M |
| East Volusia Branch | Holly Hill , FL | 32117 | $47.6M |
| Longwood Branch | Longwood , FL | 32779 | $37.7M |
| Oviedo Branch | Oviedo , FL | 32765 | $7.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 68 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 161 applications, 93 loans originated, $44.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about MainStreet Community Bank of Florida
What are MainStreet Community Bank of Florida's total assets?
As of the Q3 2026 filing, MainStreet Community Bank of Florida reported total assets of $976.3 million in its FFIEC call report.
Where is MainStreet Community Bank of Florida headquartered?
It is headquartered in Deland, FL, United States.
When was MainStreet Community Bank of Florida founded?
It was established in 2003, per the FDIC institution directory.
Is MainStreet Community Bank of Florida FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MainStreet Community Bank of Florida?
MainStreet Community Bank of Florida's primary federal regulator is the FDIC.
How many branches does MainStreet Community Bank of Florida operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MainStreet Community Bank of Florida's Texas Ratio?
Its Texas Ratio is 8.34% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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