BlastPoint's Banking Scorecard

MainStreet Bank

$1B-$10B Specialty: Commercial VA FDIC cert 57742

Designations: ✓ Community bank

Fairfax, VA

7 branches across VA · DC

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 23 in VA.
Deposits +7.5% year over year ($1.9B on the books).
Delinquency rate 3.18%.
Return on assets 0.90%.
Efficiency ratio 65.01% vs a 59.73% peer average.
Loan-to-deposit ratio 99.49% 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 23 in VA

View $1B-$10B leaderboard (VA) →

MainStreet Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 2.31% above tier average
- Nonperforming Asset Ratio 2.10% above tier average
- Non-Interest Income / Assets 0.47% below tier average
- ROA 0.49% below tier average
- Net Interest Margin 0.24% below tier average
- Efficiency Ratio 5.29% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$2.2B +6.2% YoY +0.8% QoQ	-$554.4M	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$1.9B +9.1% YoY +4.2% QoQ	-$34.8M	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$1.9B +7.5% YoY +0.9% QoQ	-$380.7M	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.90% +21.4% YoY +6.8% QoQ	-0.49%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	3.63% -0.5% YoY +1.8% QoQ	-0.24%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	65.01% -13.1% YoY -4.2% QoQ	+5.29%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	3.18% +683.6% YoY +9.4% QoQ	+2.31%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Bottom 4.1% in tier
Loan-to-Deposit Ratio ?	99.49% +1.5% YoY +3.3% QoQ	+14.46%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	18.83% +2.2% YoY -1.0% QoQ	-2.45%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	2.78% +717.1% YoY +12.5% QoQ	+2.10%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	Bottom 3.2% in tier
Tier 1 Capital Ratio ?	14.14% -8.1% YoY -3.3% QoQ	-0.70%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.06% -30.9% YoY +217.8% QoQ	-0.47%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Bottom 4.1% in tier

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 (VA)	National Avg	Tier Percentile
Noninterest-Bearing	18.8% +0.4pp YoY -0.2pp QoQ	-2.5pp	21.4%	26.2%	22.2%	44%
Brokered Deposits	34.3% +0.2pp YoY +1.5pp QoQ	+24.8pp	9.5%	8.5%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	3.5% -0.4pp YoY -0.3pp QoQ	-10.5pp	14.0%	11.0%	12.5%	11%
CRE	84.3% +0.3pp YoY +0.3pp QoQ	+34.3pp	50.0%	46.9%	41.4%	97%
1-4 Family	11.6% -0.1pp YoY 0.0pp QoQ	-14.8pp	26.4%	32.6%	31.3%	21%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	8.0%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	14.1% -1.2pp YoY -0.5pp QoQ	-1.5pp	15.6%	17.2%	19.7%	60%
Leverage Ratio	12.8% -0.4pp YoY 0.0pp QoQ	+1.5pp	11.3%	12.2%	12.6%	83%
Total Capital Ratio	15.1% -1.3pp YoY -0.5pp QoQ	-1.6pp	16.7%	18.3%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	166 -8 (-4.6%) YoY -2 (-1.2%) QoQ	-148	313	1,956	482	29%
Assets per Employee ($)	$13.5M +11.3% YoY +2.0% QoQ	+$3.0M	$10.5M	$9.9M	$8.8M	85%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	-13	20	28	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	3.2% +2.8pp YoY +0.3pp QoQ	+2.4pp	0.8%	0.7%	1.0%	97%
Allowance Coverage	0.31x -88.2% YoY -11.1% QoQ	-18.40x	18.71x	9.47x	20.23x	2%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	7.2% +1.2pp YoY +0.5pp QoQ	-5.4pp	12.6%	12.0%	11.6%	17%
Cost of Funds (YTD)	2.5% -0.5pp YoY 0.0pp QoQ	+0.6pp	1.9%	1.7%	1.7%	85%
Net Income ($, YTD)	$10.0M +23.7% YoY — QoQ	-$9.2M	$19.2M	$137.1M	$40.4M	40%

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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 (0)

No matched concern signatures this quarter

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 (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

858

Nonperforming Asset Ratio

credit_quality

Value: 2.78%

Peer Median: 0.67%

#858 of 885 Bottom 3.2% in $1B-$10B

850

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.53%

#850 of 885 Bottom 4.1% in $1B-$10B

847

Delinquency Rate

credit_quality

Value: 3.18%

Peer Median: 0.87%

#847 of 882 Bottom 4.1% in $1B-$10B

745

Loan-to-Deposit Ratio

liquidity

Value: 99.49%

Peer Median: 85.04%

#745 of 885 Bottom 15.9% in $1B-$10B

679

Return on Assets

profitability

Value: 0.90%

Peer Median: 1.39%

#679 of 885 Bottom 23.4% in $1B-$10B