BlastPoint's Banking Scorecard
MainStreet Bank
Designations: ✓ Community bank
Fairfax, VA
7 branches across VA · DC
MainStreet Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.8% in tier
- - Flatlined Growth: Bottom 22.7% in tier
- - Delinquency Rate 2.02% above tier average
- - Nonperforming Asset Ratio 1.80% above tier average
- - Non-Interest Income / Assets 0.24% below tier average
- - ROA 0.52% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 6.79% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+0.2% YoY
+0.5% QoQ
|
-$595.2M |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$1.9B
+2.2% YoY
+0.5% QoQ
|
-$113.9M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$1.9B
+0.4% YoY
+1.0% QoQ
|
-$421.9M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.85%
+54.9% YoY
+3.4% QoQ
|
-0.52% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.57%
+6.2% YoY
-1.2% QoQ
|
-0.25% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
67.85%
-13.5% YoY
-4.8% QoQ
|
+6.79% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
2.90%
+110.6% YoY
+69.9% QoQ
|
+2.02% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.5% in tier |
| Loan-to-Deposit Ratio ? |
96.34%
+1.8% YoY
-0.5% QoQ
|
+12.13% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
19.02%
+2.6% YoY
-4.3% QoQ
|
-2.27% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
2.47%
+119.2% YoY
+64.4% QoQ
|
+1.80% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.1% in tier |
| Tier 1 Capital Ratio ? |
14.63%
-1.0% YoY
-2.8% QoQ
|
-0.53% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.02%
-53.9% YoY
-88.9% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.5% in tier |
Get Full Access to MainStreet Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.