Main Street Bank Corp.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Main Street Bank Corp. is the primary bank subsidiary of its parent holding company, headquartered in Wooster, OH. On its most recent Q2 2026 call report, Main Street Bank Corp reported $1.6B in total assets against $1.4B in deposits. Returns are notably above industry norms: 1.63% ROA, 16.96% ROE, and 3.86% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 11.63% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.67% NPL ratio. Its footprint covers 21 branches concentrated in Ohio.
As of June 30, 2026, Main Street Bank Corp. reported a CET1 capital ratio of 11.63%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.67%, a Texas ratio of 6.69%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 151 N Market St, Wooster, OH 44691
- County
- Wayne
- Metro Area
- Wooster, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Former names
- Wayne Savings Community Bank (1997-2024)
- Offices
- 21 domestic
- Employees (FTE)
- 168
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $13.8M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $1.55B
- Average total loans
- $1.30B
- Average interest-bearing deposits
- $1.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29847
- Fed RSSD
- 985479
- Website
- www.mymainstreetbank.bank →
- Parent Holding Company
- MAIN STREET FINANCIAL SERVICES CORP (RSSD 3178900)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Main Street Bank Corp. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Main Street Bank Corp., freeMain Street Bank Corp. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 1.63% | 0.67% | 6.69% | 3.86% |
| Q1 2026 | 11.88% | 1.33% | 0.61% | 5.40% | 3.83% |
| Q4 2025 | 11.37% | 1.38% | 0.56% | 4.95% | 3.96% |
| Q3 2025 | 11.08% | 1.31% | 0.54% | 5.06% | 3.76% |
| Q2 2025 | 11.14% | 1.09% | 0.58% | 5.74% | 3.74% |
| Q1 2025 | 11.36% | 1.09% | 0.56% | 5.49% | 3.50% |
| Q4 2024 | 11.31% | 1.02% | 0.60% | 6.28% | 3.32% |
| Q3 2024 | 10.81% | 1.10% | 0.59% | 5.55% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mo Branch | Wheeling , WV | 26003 | $310.3M |
| Main Street Bank Corp. (main office) | Wooster , OH | 44691 | $198.9M |
| Wellsburg Branch | Wellsburg , WV | 26070 | $105.9M |
| Elm Grove Branch | Wheeling , WV | 26003 | $81.3M |
| 233 Claremont Branch | Ashland , OH | 44805 | $81.2M |
| Moundsville Branch | Moundsville , WV | 26041 | $78.4M |
| 237 N Main St Branch | Rittman , OH | 44270 | $65.5M |
| Creston Branch | Creston , OH | 44217 | $54.7M |
| North Canton Branch | North Canton , OH | 44720 | $51.8M |
| 303 Highland Drive Branch | Lodi , OH | 44254 | $49.7M |
| Washingtonville Branch | Washingtonville , OH | 44490 | $47.3M |
| 1926 Cleveland Rd Branch | Wooster , OH | 44691 | $46.3M |
| North Clay Street Branch | Millersburg , OH | 44654 | $43.5M |
| Riffel Road Branch | Wooster , OH | 44691 | $43.1M |
| Sugarbush Branch | Ashland , OH | 44805 | $37.3M |
| 130 South Wenger Road Branch | Dalton , OH | 44618 | $25.4M |
| Wayne Savings Community Bank Branch | Carrollton , OH | 44615 | $22.3M |
| Toronto Branch | Toronto , OH | 43964 | $17.1M |
| Main Street Corp Branch | Saint Clairsville , OH | 43950 | $13.7M |
| Wayne Savings Community Bank Branch | Fredericksburg , OH | 44627 | $13.3M |
| Canfield Branch | Canfield , OH | 44406 | $2.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2024 | Structure Change | Acquired Main Street Bank Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Structure Change | Acquired Stebbins National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2003 | Structure Change | Acquired Village Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Main Street Bank Corp., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OH, rank 45 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Main Street Bank Corp.
What are Main Street Bank Corp.'s total assets?
As of the Q2 2026 filing, Main Street Bank Corp. reported total assets of $1.55 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Main Street Bank Corp. headquartered?
Main Street Bank Corp. is headquartered in Wooster, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Main Street Bank Corp. founded?
Main Street Bank Corp. was established in 1899, per the FDIC institution directory.
Is Main Street Bank Corp. FDIC-insured?
Yes. Main Street Bank Corp. is an FDIC-insured commercial bank (FDIC Certificate #29847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Main Street Bank Corp.?
Main Street Bank Corp.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Main Street Bank Corp.'s CET1 capital ratio?
Main Street Bank Corp. reported a Common Equity Tier 1 (CET1) capital ratio of 11.63% in its Q2 2026 call report, above regulatory requirements.
How many branches does Main Street Bank Corp. operate?
Main Street Bank Corp. operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Main Street Bank Corp.'s Texas Ratio?
Main Street Bank Corp.'s Texas Ratio is 6.69% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Main Street Bank Corp. previously called?
The charter now named Main Street Bank Corp. has also operated as Wayne Savings Community Bank (1997-2024), per FDIC structure-change records.
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