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Main Street Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90235

Designations: ✓ Community bank

Marlborough, MA

6 branches across MA

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 46 in MA.
  • Deposits -2.4% year over year ($1.4B on the books).
  • Delinquency rate 1.70%.
  • Return on assets 0.63%.
  • Efficiency ratio 73.44% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.25% 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 46 in MA
View $1B-$10B leaderboard (MA) →

Main Street Bank faces 7 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

  • - Flatlined Growth: Bottom 5.6% in tier
  • - Liquidity Overhang: Bottom 44.8% in tier
  • - Deposit Outflow: Bottom 48.9% in tier
  • - ROA 0.76% below tier average
  • - Net Interest Margin 0.86% below tier average
  • - Efficiency Ratio 13.72% above tier average
  • - Delinquency Rate 0.84% above tier average
Get updates when Main Street Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.7B
-1.4% YoY +3.3% QoQ
-$1.1B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $1.2B
-5.2% YoY -2.0% QoQ
-$719.5M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $1.4B
-2.4% YoY +3.6% QoQ
-$925.4M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.63%
-5.3% YoY +18.5% QoQ
-0.76% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 10.3% in tier
Net Interest Margin ? 3.01%
+8.8% YoY -0.1% QoQ
-0.86% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 14.9% in tier
Efficiency Ratio ? 73.44%
-3.4% YoY -5.1% QoQ
+13.72% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 1.70%
+206.1% YoY +1.4% QoQ
+0.84% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Bottom 12.1% in tier
Loan-to-Deposit Ratio ? 89.25%
-2.9% YoY -5.5% QoQ
+4.22% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 18.42%
+2.1% YoY -4.6% QoQ
-2.85% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 1.27%
+194.2% YoY -3.8% QoQ
+0.60% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Bottom 14.4% in tier
Tier 1 Capital Ratio ? 17.31%
+16.8% YoY +4.8% QoQ
+2.47% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
Top 13.8% in tier
Non-Interest Income / Assets ? 0.21%
+118.6% YoY +339.7% QoQ
-0.32% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
32%

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 (MA) National Avg Tier Percentile
Noninterest-Bearing 18.4%
+0.4pp YoY
-0.9pp QoQ
 -2.9pp 21.4% 16.2% 22.2% 42%
Brokered Deposits 7.7%
-1.8pp YoY
0.0pp QoQ
 -1.7pp 9.5% 6.1% 8.5% 61%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 7.4%
+2.7pp YoY
-0.7pp QoQ
 -6.6pp 14.0% 6.5% 12.5% 30%
CRE 36.6%
-1.0pp YoY
+0.9pp QoQ
 -13.4pp 50.0% 40.3% 41.4% 18%
1-4 Family 56.1%
-1.5pp YoY
-0.1pp QoQ
 +29.7pp 26.4% 52.4% 31.3% 93%
Consumer 0.6%
-0.2pp YoY
-0.1pp QoQ
 -4.2pp 4.7% 1.6% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 17.3%
+2.5pp YoY
+0.8pp QoQ
 +1.7pp 15.6% 16.6% 19.7% 84%
Leverage Ratio 12.0%
+1.0pp YoY
0.0pp QoQ
 +0.7pp 11.3% 11.5% 12.6% 77%
Total Capital Ratio 18.3%
+2.5pp YoY
+0.8pp QoQ
 +1.6pp 16.7% 17.5% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 161
+17 (+11.8%) YoY
+20 (+14.2%) QoQ
 -153 313 755 482 27%
Assets per Employee ($) $10.3M
-11.8% YoY
-9.5% QoQ
 -$137K $10.5M $10.7M $8.8M 68%
Branch Count 6
0 YoY
0 QoQ
 -14 20 13 18 14%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.7%
+1.1pp YoY
0.0pp QoQ
 +0.9pp 0.8% 0.8% 1.0% 89%
Allowance Coverage 0.53x
-65.2% YoY
-3.6% QoQ
 -18.18x 18.71x 7.95x 20.23x 7%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 5.7%
-1.2pp YoY
+0.9pp QoQ
 -6.9pp 12.6% 5.6% 11.6% 10%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 2.0% 1.7% 65%
Net Income ($, YTD) $5.2M
-4.9% YoY
— QoQ
 -$14.1M $19.2M $31.7M $40.4M 12%

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 (3)

Flatlined Growth

risk
#10 of 162 • Bottom 5.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.63%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#78 of 172 • Bottom 44.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.31%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.25%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#65 of 131 • Bottom 48.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

123
Tier 1 Capital Ratio
capital
Value: 17.31%
Peer Median: 14.84%
#123 of 885 Top 13.8% in $1B-$10B

Top Weaknesses (5 metrics)

795
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.39%
#795 of 885 Bottom 10.3% in $1B-$10B
776
Delinquency Rate
credit_quality
Value: 1.70%
Peer Median: 0.87%
#776 of 882 Bottom 12.1% in $1B-$10B
759
Nonperforming Asset Ratio
credit_quality
Value: 1.27%
Peer Median: 0.67%
#759 of 885 Bottom 14.4% in $1B-$10B
754
Net Interest Margin
profitability
Value: 3.01%
Peer Median: 3.87%
#754 of 885 Bottom 14.9% in $1B-$10B
752
Efficiency Ratio
profitability
Value: 73.44%
Peer Median: 59.73%
#752 of 885 Bottom 15.1% in $1B-$10B
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