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Main Street Bank Corp.
Wooster, OH · FDIC Certificate #29847 · Chartered 01/0
Total assets
$1.55B
Total deposits
$1.39B
Total equity
$151.33M
Net loans
$1.27B
Branches (offices)
21
Net income (YTD)
$11.37M
Rank: #726 of 4,213 U.S. banks by assets · #24 of 155 in Ohio. Assets changed 7.3% and deposits 11.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 15.46% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 9.74% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 15.9% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.7% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.14B | 89.8% | |
| Commercial & industrial | $127.70M | 10.0% | |
| Consumer / individual | $11.49M | 0.9% | |
| Construction & development | $54.14M | 4.2% | |
| Agricultural | $7.82M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $655.43M | $571.15M | $4.16M | $41.96M |
| Jun 2023 | $771.78M | $642.76M | $4.09M | $48.38M |
| Jun 2024 | $1.36B | $1.08B | -$1.64M | $123.83M |
| Jun 2025 | $1.45B | $1.24B | $7.76M | $131.60M |
| Jun 2026 | $1.55B | $1.39B | $11.37M | $151.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $813.14M | 17 |
| West Virginia | $575.83M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.39B.
Similar-sized banks
Quill Bank ($1.56B) · Dieterich Bank ($1.55B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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