BlastPoint's Banking Scorecard

Main Street Bank Corp.

$1B-$10B Specialty: Commercial OH FDIC cert 29847

Designations: ✓ Community bank

Wooster, OH

21 branches across OH · WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
Deposits +11.8% year over year ($1.4B on the books).
Delinquency rate 0.67%.
Return on assets 1.49%.
Efficiency ratio 47.22% vs a 59.73% peer average.
Loan-to-deposit ratio 91.73% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH

View $1B-$10B leaderboard (OH) →

Main Street Bank Corp. has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.10% above tier average
+ Efficiency Ratio 12.51% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 23.9% in tier
- Liquidity Strain: Bottom 41.5% in tier

Get updates when Main Street Bank Corp. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.6B +7.3% YoY +1.8% QoQ	-$1.2B	$2.8B -0.6% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$1.3B +9.7% YoY +0.9% QoQ	-$689.1M	$2.0B -0.3% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$1.4B +11.8% YoY +1.9% QoQ	-$929.9M	$2.3B -0.5% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	41%
Return on Assets ?	1.49% +36.8% YoY +11.6% QoQ	+0.10%	1.39% +17.0% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.90% +6.5% YoY +0.9% QoQ	+0.03%	3.87% +6.2% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	47.22% -14.9% YoY -5.2% QoQ	-12.51%	59.73% -12.6% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.67% +63.5% YoY +32.2% QoQ	-0.20%	0.87% +11.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	40%
Loan-to-Deposit Ratio ?	91.73% -1.9% YoY -1.0% QoQ	+6.70%	85.04% -0.1% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	10.58% -23.4% YoY -4.3% QoQ	-10.69%	21.27% -1.5% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 11.9% in tier
Nonperforming Asset Ratio ?	0.55% +51.9% YoY +29.3% QoQ	-0.13%	0.67% +11.7% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	11.63% +4.4% YoY -2.1% QoQ	-3.21%	14.84% -0.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.13% +29.0% YoY +129.9% QoQ	-0.39%	0.53% +2.5% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	15%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	10.6% -3.2pp YoY -0.5pp QoQ	-10.8pp	21.4%	18.8%	22.2%	11%
Brokered Deposits	n/a	n/a	9.5%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	10.0% +0.3pp YoY +0.5pp QoQ	-4.0pp	14.0%	10.2%	12.5%	45%
CRE	35.0% +0.5pp YoY -1.3pp QoQ	-15.0pp	50.0%	34.2%	41.4%	15%
1-4 Family	43.4% -1.5pp YoY +0.5pp QoQ	+17.0pp	26.4%	50.0%	31.3%	85%
Consumer	0.9% -0.6pp YoY -0.1pp QoQ	-3.8pp	4.7%	4.7%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	11.6% +0.5pp YoY -0.2pp QoQ	-4.0pp	15.6%	22.1%	19.7%	18%
Leverage Ratio	9.2% +0.3pp YoY +0.1pp QoQ	-2.1pp	11.3%	12.9%	12.6%	17%
Total Capital Ratio	12.8% +0.5pp YoY -0.3pp QoQ	-3.9pp	16.7%	23.2%	20.8%	18%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	168 +10 (+6.3%) YoY +10 (+6.3%) QoQ	-146	313	2,433	482	30%
Assets per Employee ($)	$9.2M +0.9% YoY -4.3% QoQ	-$1.2M	$10.5M	$7.6M	$8.8M	57%
Branch Count	21 +2 (+10.5%) YoY +1 (+5.0%) QoQ	+1	20	81	18	68%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	0.0pp	0.2%	0.2%	0.4%	81%
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.8%	0.6%	1.0%	52%
Allowance Coverage	1.62x -38.1% YoY -24.5% QoQ	-17.09x	18.71x	18.95x	20.23x	40%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	15.5% +3.6pp YoY +1.5pp QoQ	+2.9pp	12.6%	9.7%	11.6%	76%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.7%	1.7%	77%
Net Income ($, YTD)	$11.4M +46.5% YoY — QoQ	-$7.9M	$19.2M	$259.3M	$40.4M	45%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline

#12 of 46 • Bottom 23.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 10.58%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#151 of 361 • Bottom 41.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.73%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

146

Efficiency Ratio

profitability

Value: 47.22%

Peer Median: 59.73%

#146 of 885 Top 16.4% in $1B-$10B

Top Weaknesses (2 metrics)

781

Non-Interest-Bearing Deposit Share

funding

Value: 10.58%

Peer Median: 21.27%

#781 of 885 Bottom 11.9% in $1B-$10B

753

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#753 of 885 Bottom 15.0% in $1B-$10B