| Metric | MainStreet Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +7.5% | +5.1% | +2.4 pts |
| Loan growth (YoY) | +9.1% | +5.9% | +3.2 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 7.2% | 12.2% | -5.0 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.24B | $1.94B | $1.93B | $279.2M | $10.0M | 0.90% | 3.63% | 2.78% |
| Q1 2026 | $2.22B | $1.92B | $1.85B | $275.7M | $4.7M | 0.85% | 3.57% | 2.47% |
| Q4 2025 | $2.21B | $1.90B | $1.84B | $282.6M | $17.8M | 0.82% | 3.61% | 1.50% |
| Q3 2025 | $2.12B | $1.82B | $1.79B | $278.6M | $13.2M | 0.81% | 3.64% | 1.10% |
| Q2 2025 | $2.11B | $1.80B | $1.77B | $274.9M | $8.1M | 0.74% | 3.65% | 0.34% |
| Q1 2025 | $2.22B | $1.91B | $1.81B | $271.2M | $3.0M | 0.55% | 3.36% | 1.13% |
| Q4 2024 | $2.22B | $1.91B | $1.81B | $269.1M | $-7.5M | -0.35% | 3.35% | 1.13% |
| Q3 2024 | $2.22B | $1.89B | $1.78B | $291.3M | $8.0M | 0.51% | 3.37% | 1.27% |
Loan mix (Q2 2026): real estate $1.85B · commercial $66.9M · consumer $1.3M · securities $69.9M
| Ratio | MainStreet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 59.0% | 68th |
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 | MainStreet Bank | 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 | MainStreet Bank | 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 | MainStreet Bank | 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 | MainStreet Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.