| Metric | Main Street Bank Corp. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +11.8% | +5.1% | +6.7 pts |
| Loan growth (YoY) | +9.7% | +5.9% | +3.8 pts |
| ROA | 1.49% | 1.26% | +0.2 pts |
| ROE | 15.5% | 12.2% | +3.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.55B | $1.39B | $1.27B | $151.3M | $11.4M | 1.49% | 3.90% | 0.55% |
| Q1 2026 | $1.53B | $1.36B | $1.26B | $146.9M | $5.0M | 1.34% | 3.86% | 0.42% |
| Q4 2025 | $1.49B | $1.34B | $1.21B | $143.0M | $17.7M | 1.22% | 3.77% | 0.37% |
| Q3 2025 | $1.47B | $1.29B | $1.19B | $138.3M | $12.5M | 1.16% | 3.70% | 0.37% |
| Q2 2025 | $1.45B | $1.24B | $1.16B | $131.6M | $7.8M | 1.09% | 3.66% | 0.36% |
| Q1 2025 | $1.41B | $1.19B | $1.13B | $132.1M | $3.9M | 1.09% | 3.55% | 0.39% |
| Q4 2024 | $1.41B | $1.16B | $1.11B | $128.6M | $5.7M | 0.41% | 2.57% | 0.44% |
| Q3 2024 | $1.39B | $1.10B | $1.12B | $129.0M | $2.1M | 0.20% | 2.31% | 0.41% |
Loan mix (Q2 2026): real estate $1.14B · commercial $127.7M · consumer $11.5M · securities $153.5M
| Ratio | Main Street Bank Corp. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 59.0% | 17th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Main Street Bank Corp. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Main Street Bank Corp. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Main Street Bank Corp. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Main Street Bank Corp. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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