Main Street Bank Corp.
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
$1.6BAssets
$1.3BLoans
$1.4BDeposits
$151.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of banks $1B-$10B in assets operating regionally (rank 33 of 176).
- Widest gap: tier 1 capital ratio trails 66% of banks $1B-$10B in assets operating regionally (rank 117 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $26.5M · efficiency ratio beats 82% 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% | 0.93% | 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 |