Main Street Bank Corp.
Wooster, OH · Cert 29847 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Main Street Finl Services Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
$1.6BAssets
$1.3BLoans
$1.4BDeposits
$151.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of banks $1B-$10B in assets operating regionally (rank 35 of 178).
- Widest gap: tier 1 capital ratio trails 68% of banks $1B-$10B in assets operating regionally (rank 121 of 178).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.46%
Rank 53 of 178
Net Interest Margin
3.67%
Rank 73 of 178
Efficiency Ratio
50.51%
Rank 35 of 178
Equity / Assets
9.74%
Rank 114 of 178
Non-interest income vs. expense
Unfavorable gap of $26.5M · efficiency ratio beats 81% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.91% | 1.25% | 1.53% | Beats 70% | 53 / 178 | |
| Return on Equity | 15.03% | 9.18% | 11.89% | 14.44% | Beats 79% | 38 / 178 | |
| Net Interest Margin | 3.67% | 3.22% | 3.56% | 3.91% | Beats 59% | 73 / 178 | |
| Efficiency Ratio | 50.51% | 52.04% | 58.90% | 67.10% | Beats 81% | 35 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.29% | 0.60% | 1.26% | Beats 47% | 95 / 178 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 79% | 39 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.19% | 12.72% | 14.14% | Beats 32% | 121 / 178 | |
| Total Risk-Based Capital Ratio | 12.80% | 11.91% | 13.63% | 15.33% | Beats 34% | 117 / 178 | |
| Equity / Assets | 9.74% | 9.12% | 10.35% | 11.80% | Beats 36% | 114 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 92.72% | 80.94% | 89.92% | 97.12% | 61st pctl | 70 / 178 | |
| Loans / Assets | 82.89% | 69.25% | 75.52% | 80.96% | 85th pctl | 27 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |