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Main Street Bank

Marlborough, MA · Cert 90235 · Main Street Group Bancshares MHC

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Main Street Bank

Marlborough, MA · Cert 90235 · Main Street Group Bancshares MHC

SI · FDIC · 6 branches

Q2 2026

$1.7BAssets
$1.3BLoans
$1.4BDeposits
$183.7MEquity
Loan mix
91%RE $1.2B8%C&I $0.1B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $1.1B18%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #31 of 100 inst. · $1.2B of $580.3B

1.5% Middlesex
0.8% Worcester

Executive Summary

  • Earnings: ROA of 0.63%, down 3 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 1.69% of loans (+114 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.04%, up 97 bps from a year ago.
  • Funding: loans stand at 90.06% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.63%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+21 bps YoY

Efficiency Ratio (YTD, annualized)

73.44%-257 bps YoY

Tier 1 Leverage Ratio

12.04%+97 bps YoY

NIM

4.89%Q2 ’244.86%Q2 ’254.77%Q2 ’26+6%+8%

Non-interest income vs. expense

2.05%Q2 ’242.19%Q2 ’252.44%Q2 ’26-2%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.49%0.71%0.66%0.70%0.63%0.53%0.63%-3 bps
Return on Equity4.79%5.47%7.41%6.94%7.16%6.38%4.86%5.73%-121 bps
Net Interest Margin2.49%2.47%2.52%2.60%2.60%2.73%2.85%2.81%+21 bps
Efficiency Ratio78.51%77.43%74.76%76.01%73.76%72.05%77.43%73.44%-257 bps
Non-Interest Burden2.01%1.95%1.91%2.00%1.93%1.99%2.24%2.03%+3 bps
Growth
Asset Growth (YoY)-3.81%-6.56%-2.22%3.91%1.86%3.53%-0.96%-1.37%-528 bps
Loan Growth (YoY)-0.74%-3.65%-0.45%-1.97%-2.34%-4.07%-4.41%-5.14%-318 bps
Deposit Growth (YoY)-6.67%-8.38%-0.49%5.25%4.15%1.05%-1.89%-2.36%-761 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.83%0.84%0.55%0.50%0.90%1.66%1.69%+114 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.01%-0.05%-0.02%-2 bps
Allowance / Loans0.97%0.94%0.87%0.84%0.77%0.92%0.92%0.90%+5 bps
Allowance Coverage of NPLs2.7x1.1x1.0x1.5x1.6x1.0x0.6x0.5x-1.0x
Capital
Tier 1 Leverage Ratio10.48%10.61%10.63%11.07%11.44%11.80%12.06%12.04%+97 bps
Total Risk-Based Capital15.48%15.48%16.08%15.78%16.72%17.29%17.52%18.31%+253 bps
Equity / Assets9.41%9.46%9.66%9.47%10.52%10.63%11.17%11.03%+156 bps
Liquidity & Funding
Loans / Deposits104.44%103.51%97.80%92.70%97.93%98.26%95.29%90.06%-264 bps
Liquid Assets / Assets1.05%0.67%2.76%2.59%1.18%3.34%1.41%1.80%-79 bps
CRE / Total Capitaln/an/an/an/a251%242%228%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Main Street Bank

Marlborough, MA · Cert 90235 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Main Street Group Bancshares MHC

SI · FDIC · 6 branches

Q2 2026

$1.7BAssets
$1.3BLoans
$1.4BDeposits
$183.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 27).
  • Widest gap: nonperforming loans / loans trails 85% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 24 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.62%

Rank 20 of 27

Net Interest Margin

2.81%

Rank 11 of 27

Efficiency Ratio

75.66%

Rank 20 of 27

Equity / Assets

11.03%

Rank 15 of 27

Non-interest income vs. expense

$6.9M$41.0MINCOMEEXPENSE
Unfavorable gap of $34.1M · efficiency ratio beats 30% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 75.66%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.62%0.48%0.78%0.99%Beats 26%20 / 27
Return on Equity5.63%5.50%7.06%8.20%Beats 30%19 / 27
Net Interest Margin2.81%2.49%2.70%3.34%Beats 59%11 / 27
Efficiency Ratio75.66%59.27%68.19%75.85%Beats 30%20 / 27
Asset Quality
Nonperforming Loans / Loans1.69%0.20%0.58%1.15%Beats 15%24 / 27
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 52%14 / 27
Capital
Tier 1 Capital Ratio17.31%13.21%14.69%16.81%Beats 78%6 / 27
Total Risk-Based Capital Ratio18.31%13.71%15.43%18.07%Beats 78%6 / 27
Equity / Assets11.03%9.62%11.14%13.14%Beats 44%15 / 27
Liquidity & Funding
Loans / Deposits90.06%91.42%101.19%107.11%11th pctl24 / 27
Loans / Assets75.35%75.31%80.56%83.39%26th pctl20 / 27
Brokered Deposits / Depositsn/aNot reported for this institution