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Mainstreet Community Bank Of Florida
Deland, FL · FDIC Certificate #57598 · Chartered 10/2
Total assets
$953.36M
Total deposits
$863.24M
Total equity
$83.81M
Net loans
$723.76M
Branches (offices)
9
Net income (YTD)
$4.98M
Rank: #1,083 of 4,213 U.S. banks by assets · #33 of 81 in Florida. Assets changed 7.7% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 12.28% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 8.79% |
| Tier 1 leverage ratio | 9.45% |
| Uninsured deposits (share of deposits) | 35.6% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $630.84M | 87.2% | |
| Commercial & industrial | $98.87M | 13.7% | |
| Consumer / individual | $2.92M | 0.4% | |
| Construction & development | $87.58M | 12.1% | |
| Agricultural | $45.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $804.90M | $744.16M | $3.28M | $54.04M |
| Jun 2023 | $782.17M | $717.64M | $3.30M | $58.70M |
| Jun 2024 | $807.30M | $736.84M | $2.04M | $58.39M |
| Jun 2025 | $885.29M | $809.25M | $2.66M | $69.56M |
| Jun 2026 | $953.36M | $863.24M | $4.98M | $83.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $863.24M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $863.24M.
Similar-sized banks
The Killbuck Savings Bank Company ($953.78M) · The First National Bank Of Middle Tennessee ($952.38M)
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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