Germantown, OH · Cert 6592 · Main Street Capital Co.
National charter · OCC · 1 branch
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.5% share · #17 of 26 inst. · $0.1B of $16.3B
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 | 0.29% | 0.62% | 0.44% | 0.53% | 0.60% | 0.43% | 0.44% | 0.72% | +19 bps | |
| Return on Equity | 4.08% | 8.63% | 6.21% | 7.01% | 7.67% | 5.39% | 5.58% | 9.20% | +218 bps | |
| Net Interest Margin | 2.62% | 2.59% | 2.66% | 2.83% | 2.93% | 2.90% | 2.93% | 3.10% | +27 bps | |
| Efficiency Ratio | 88.15% | 85.65% | 81.69% | 78.52% | 79.05% | 83.56% | 82.70% | 74.36% | -416 bps | |
| Non-Interest Burden | 2.25% | 2.14% | 2.10% | 2.10% | 2.21% | 2.34% | 2.35% | 2.18% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.31% | 1.68% | -1.34% | -0.10% | 5.10% | 0.03% | 3.00% | 7.03% | +713 bps | |
| Loan Growth (YoY) | 4.28% | 4.99% | 2.35% | 2.38% | -3.24% | -1.58% | 3.09% | 4.11% | +173 bps | |
| Deposit Growth (YoY) | 6.58% | 1.17% | -2.19% | -1.19% | 4.89% | -1.05% | 2.57% | 7.37% | +856 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.27% | 0.25% | 0.63% | 0.49% | 0.30% | 0.22% | 0.47% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.03% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 0.94% | 0.79% | 0.81% | 0.82% | 0.82% | 0.80% | 0.79% | 0.78% | -3 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.9x | 3.2x | 1.3x | 1.6x | 2.7x | 3.6x | 1.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.47% | 8.32% | 8.28% | 8.70% | 8.69% | 8.49% | 8.49% | 8.49% | -21 bps | |
| Total Risk-Based Capital | 17.50% | 17.33% | 18.43% | 17.50% | 18.57% | 18.55% | 18.13% | 18.01% | +51 bps | |
| Equity / Assets | 7.49% | 6.98% | 7.35% | 7.87% | 7.86% | 8.04% | 7.82% | 7.89% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.05% | 68.23% | 68.90% | 71.13% | 66.47% | 67.86% | 69.24% | 68.97% | -216 bps | |
| Liquid Assets / Assets | 7.09% | 8.34% | 1.62% | 2.48% | 2.54% | 5.41% | 4.82% | 4.12% | +164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.57% | 71.23% | 82.56% | n/a | n/a | |