MainStreet Community Bank of Florida: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.07 percentage points in Q2 2026, from 80.81% to 84.87%. It was the largest change from Q1 2026 among the key lines here. Within Florida, MainStreet Community Bank of Florida is 30th of 79 on return on assets, 1.21% as of Q2 2026, above the middle of the field. MainStreet Community Bank of Florida reported 1.21% on return on assets for Q2 2026, 0.05 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.45% |
| Equity capital to assets | 8.79% |
| Tangible equity to tangible assets | 8.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.32% |
| Non-performing assets ratio | 1.29% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 13.26% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 92.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 14.04% |
| Net interest margin | 3.84% |
| Efficiency ratio | 61.05% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.87% |
| Core deposits to total deposits | 94.07% |
| Brokered deposits to total deposits | 0.40% |
| Deposits to assets | 90.55% |
| Securities to assets | 14.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.84% | 0.89% | 3.14% | 0.22% | -0.01% |
| Q4 2023 | 8.85% | 0.79% | 3.19% | 0.10% | -0.03% |
| Q1 2024 | 9.13% | 0.68% | 3.10% | 0.09% | 0.00% |
| Q2 2024 | 8.97% | 0.35% | 3.08% | 1.25% | 0.01% |
| Q3 2024 | 8.86% | 0.80% | 3.28% | 1.17% | 0.01% |
| Q4 2024 | 9.04% | 0.81% | 3.43% | 1.14% | 0.01% |
| Q1 2025 | 9.09% | 0.85% | 3.42% | 1.11% | 0.00% |
| Q2 2025 | 8.92% | 0.37% | 3.51% | 1.38% | 1.29% |
| Q3 2025 | 8.88% | 1.10% | 3.53% | 2.09% | 0.03% |
| Q4 2025 | 9.10% | 0.79% | 3.48% | 1.47% | 0.14% |
| Q1 2026 | 9.35% | 0.89% | 3.64% | 1.41% | 0.00% |
| Q2 2026 | 9.45% | 1.21% | 3.84% | 1.32% | -0.02% |
MainStreet Community Bank of Florida vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock MainStreet Community Bank of Florida, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MainStreet Community Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57598) · FFIEC NIC profile (RSSD 3217957)