Mainstreet Bank
Fairfax, VA · Cert 57742 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Mainstreet Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
$2.2BAssets
$1.9BLoans
$1.9BDeposits
$279.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 84% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
- Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.90%
Rank 139 of 176
Net Interest Margin
3.38%
Rank 115 of 176
Efficiency Ratio
65.01%
Rank 121 of 176
Equity / Assets
12.47%
Rank 28 of 176
Non-interest income vs. expense
Unfavorable gap of $47.7M · efficiency ratio beats 32% 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 | 0.90% | 0.93% | 1.26% | 1.54% | Beats 21% | 139 / 176 | |
| Return on Equity | 7.19% | 9.26% | 11.89% | 14.46% | Beats 13% | 154 / 176 | |
| Net Interest Margin | 3.38% | 3.25% | 3.59% | 3.93% | Beats 35% | 115 / 176 | |
| Efficiency Ratio | 65.01% | 52.79% | 59.55% | 67.66% | Beats 32% | 121 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.15% | 0.30% | 0.64% | 1.32% | Beats 2% | 173 / 176 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 68% | 57 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 14.14% | 11.15% | 12.72% | 14.15% | Beats 74% | 45 / 176 | |
| Total Risk-Based Capital Ratio | 15.14% | 11.81% | 13.63% | 15.33% | Beats 74% | 46 / 176 | |
| Equity / Assets | 12.47% | 9.16% | 10.35% | 11.80% | Beats 84% | 28 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 100.49% | 80.94% | 89.73% | 97.21% | 84th pctl | 29 / 176 | |
| Loans / Assets | 87.00% | 69.25% | 75.12% | 80.82% | 97th pctl | 5 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |