Wooster, OH · Cert 29847 · Main Street Finl Services Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
65
Profitability
69
Liquidity
77
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wooster, OH · Cert 29847 · Main Street Finl Services Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 8.8% share · #4 of 13 inst. · $0.5B of $5.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.50% | 1.09% | 1.09% | 1.16% | 1.22% | 1.34% | 1.49% | +40 bps | |
| Return on Equity | 3.19% | 5.90% | 11.82% | 11.87% | 12.58% | 13.10% | 13.93% | 15.46% | +360 bps | |
| Net Interest Margin | 2.25% | 2.44% | 3.37% | 3.47% | 3.49% | 3.50% | 3.70% | 3.67% | +20 bps | |
| Efficiency Ratio | 70.16% | 66.68% | 54.55% | 55.51% | 53.70% | 52.44% | 49.80% | 47.22% | -829 bps | |
| Non-Interest Burden | 1.57% | 1.63% | 1.89% | 1.97% | 1.89% | 1.85% | 1.84% | 1.71% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 74.17% | 73.91% | 72.47% | 6.19% | 5.52% | 5.96% | 8.03% | 7.28% | +109 bps | |
| Loan Growth (YoY) | 68.77% | 66.14% | 66.99% | 4.97% | 6.44% | 8.59% | 11.60% | 9.69% | +472 bps | |
| Deposit Growth (YoY) | 68.24% | 66.77% | 66.26% | 14.63% | 16.95% | 15.05% | 14.71% | 11.76% | -287 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.54% | 0.43% | 0.40% | 0.42% | 0.44% | 0.50% | 0.66% | +26 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.01% | 0.00% | 0.02% | 0.02% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.05% | 1.05% | 1.06% | 1.06% | 1.07% | 1.07% | 1.07% | +1 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.9x | 2.5x | 2.6x | 2.5x | 2.4x | 2.1x | 1.6x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 8.88% | 9.00% | 8.97% | 8.96% | 9.02% | 9.15% | 9.25% | +28 bps | |
| Total Risk-Based Capital | 11.91% | 12.43% | 12.50% | 12.27% | 12.22% | 12.53% | 13.11% | 12.80% | +52 bps | |
| Equity / Assets | 9.25% | 9.12% | 9.35% | 9.09% | 9.40% | 9.57% | 9.62% | 9.74% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.39% | 96.96% | 96.23% | 94.47% | 93.18% | 91.52% | 93.62% | 92.72% | -175 bps | |
| Liquid Assets / Assets | 4.96% | 3.91% | 3.08% | 3.69% | 3.47% | 4.02% | 2.91% | 3.72% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 330% | 325% | 334% | n/a | n/a | |
Wooster, OH · Cert 29847 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Main Street Finl Services Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
Return on Assets
1.46%
Rank 53 of 176
Net Interest Margin
3.67%
Rank 75 of 176
Efficiency Ratio
50.51%
Rank 33 of 176
Equity / Assets
9.74%
Rank 115 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.93% | 1.26% | 1.54% | Beats 70% | 53 / 176 | ||
| Return on Equity | 15.03% | 9.26% | 11.89% | 14.46% | Beats 79% | 37 / 176 | ||
| Net Interest Margin | 3.67% | 3.25% | 3.59% | 3.93% | Beats 57% | 75 / 176 | ||
| Efficiency Ratio | 50.51% | 52.79% | 59.55% | 67.66% | Beats 82% | 33 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.30% | 0.64% | 1.32% | Beats 49% | 91 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 81% | 36 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 11.15% | 12.72% | 14.15% | Beats 34% | 117 / 176 | ||
| Total Risk-Based Capital Ratio | 12.80% | 11.81% | 13.63% | 15.33% | Beats 36% | 113 / 176 | ||
| Equity / Assets | 9.74% | 9.16% | 10.35% | 11.80% | Beats 35% | 115 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.72% | 80.94% | 89.73% | 97.21% | 61st pctl | 69 / 176 | ||
| Loans / Assets | 82.89% | 69.25% | 75.12% | 80.82% | 86th pctl | 25 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||