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Mainstreet Bank
Fairfax, VA · FDIC Certificate #57742 · Chartered 05/2
Total assets
$2.24B
Total deposits
$1.94B
Total equity
$279.24M
Net loans
$1.93B
Branches (offices)
7
Net income (YTD)
$10.04M
Rank: #557 of 4,213 U.S. banks by assets · #15 of 56 in Virginia. Assets changed 6.2% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 7.19% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 12.47% |
| Tier 1 leverage ratio | 12.78% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 3.15% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 99.5% |
| Real estate loans (share of loans) | 95.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.85B | 95.9% | |
| Commercial & industrial | $66.86M | 3.5% | |
| Consumer / individual | $1.28M | 0.1% | |
| Construction & development | $312.88M | 16.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.79B | $1.52B | $12.37M | $239.62M |
| Jun 2023 | $1.95B | $1.60B | $16.38M | $276.21M |
| Jun 2024 | $2.09B | $1.76B | $7.04M | $289.97M |
| Jun 2025 | $2.11B | $1.80B | $8.11M | $274.89M |
| Jun 2026 | $2.24B | $1.94B | $10.04M | $279.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.51B | 6 |
| District of Columbia | $429.69M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.94B.
Similar-sized banks
Regent Bank ($2.24B) · Country Bank For Savings ($2.24B)
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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