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

Unfavorable gap of $34.1M · efficiency ratio beats 30% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.62%	0.48%	0.78%	0.99%	Beats 26%	20 / 27
Return on Equity	5.63%	5.50%	7.06%	8.20%	Beats 30%	19 / 27
Net Interest Margin	2.81%	2.49%	2.70%	3.34%	Beats 59%	11 / 27
Efficiency Ratio	75.66%	59.27%	68.19%	75.85%	Beats 30%	20 / 27
Asset Quality
Nonperforming Loans / Loans	1.69%	0.20%	0.58%	1.15%	Beats 15%	24 / 27
Net Charge-Offs / Loans	0.01%	0.00%	0.01%	0.05%	Beats 52%	14 / 27
Capital
Tier 1 Capital Ratio	17.31%	13.21%	14.69%	16.81%	Beats 78%	6 / 27
Total Risk-Based Capital Ratio	18.31%	13.71%	15.43%	18.07%	Beats 78%	6 / 27
Equity / Assets	11.03%	9.62%	11.14%	13.14%	Beats 44%	15 / 27
Liquidity & Funding
Loans / Deposits	90.06%	91.42%	101.19%	107.11%	11th pctl	24 / 27
Loans / Assets	75.35%	75.31%	80.56%	83.39%	26th pctl	20 / 27
Brokered Deposits / Deposits	n/a	Not reported for this institution