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Main Street Bank Corp.

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

Designations: ✓ Community bank

Wooster, OH

21 branches across OH · WV

884 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

Main Street Bank Corp. has 2 strengths but faces 1 concern

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

  • + Efficiency Ratio 11.26% below tier average
  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 41.7% in tier
Get updates when Main Street Bank Corp. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $1.5B
+8.0% YoY +2.1% QoQ
-$1.3B $2.8B
-0.1% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
35%
Total Loans ? $1.3B
+11.6% YoY +4.4% QoQ
-$702.0M $2.0B
+0.6% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $1.4B
+14.7% YoY +2.1% QoQ
-$979.8M $2.3B
-0.3% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
40%
Return on Assets ? 1.34%
+22.5% YoY +9.6% QoQ
-0.03% 1.37%
+19.6% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
60%
Net Interest Margin ? 3.86%
+8.9% YoY +2.4% QoQ
+0.05% 3.82%
+6.9% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
64%
Efficiency Ratio ? 49.80%
-8.7% YoY -5.0% QoQ
-11.26% 61.06%
-4.6% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
79%
Delinquency Rate ? 0.51%
+16.7% YoY +13.4% QoQ
-0.38% 0.89%
+14.1% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
53%
Loan-to-Deposit Ratio ? 92.62%
-2.7% YoY +2.3% QoQ
+8.41% 84.20%
+0.3% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
30%
Non-Interest-Bearing Deposit Share ? 11.05%
-19.6% YoY -5.0% QoQ
-10.24% 21.29%
-2.5% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
Bottom 14.1% in tier
Nonperforming Asset Ratio ? 0.42%
+8.9% YoY +14.3% QoQ
-0.25% 0.67%
+15.6% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
50%
Tier 1 Capital Ratio ? 11.88%
+4.5% YoY +4.5% QoQ
-3.28% 15.16%
+2.0% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.06%
+14.6% YoY -75.3% QoQ
-0.20% 0.26%
+1.6% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
Bottom 12.4% in tier

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 (1)

NIB Deposit Bleed

decline
#16 of 36 • Bottom 41.7% 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: 11.05%
(Tier: 21.29%, National: 22.01%)
worse than tier avg
36 of 36 Mid-Market banks match · 238 nationally
↓ Shrinking -31 banks QoQ | QoQ rank declining

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).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

186
Efficiency Ratio
profitability
Value: 49.80%
Peer Median: 61.06%
#186 of 884 Top 20.9% in $1B-$10B

Top Weaknesses (2 metrics)

775
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.26%
#775 of 884 Bottom 12.4% in $1B-$10B
760
Non-Interest-Bearing Deposit Share
funding
Value: 11.05%
Peer Median: 21.29%
#760 of 884 Bottom 14.1% in $1B-$10B
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