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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.03% | 1.09% | 1.09% | 1.30% | 1.39% | 1.34% | 1.64% | +55 bps | |
| Return on Equity | 11.98% | 11.18% | 11.82% | 11.85% | 14.09% | 14.62% | 13.93% | 16.96% | +511 bps | |
| Net Interest Margin | 3.28% | 3.18% | 3.37% | 3.61% | 3.63% | 3.82% | 3.70% | 3.74% | +14 bps | |
| Efficiency Ratio | 60.70% | 59.55% | 54.55% | 56.40% | 50.38% | 49.02% | 49.80% | 44.77% | -1,163 bps | |
| Non-Interest Burden | 2.06% | 1.91% | 1.89% | 2.07% | 1.79% | 1.87% | 1.84% | 1.62% | -45 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% | 0.01% | -0.01% | 0.01% | 0.06% | 0.01% | -0.01% | 0.02% | +1 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 | |