BlastPoint's Banking Scorecard
Main Street Bank Corp.
Community
Specialty: Commercial
OH
FDIC cert 29847
Wooster, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Main Street Bank Corp. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 5% in Community
- - Liquidity Strain: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+6.0% YoY
+1.7% QoQ
|
+$103.4M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$1.2B
+8.6% YoY
+1.5% QoQ
|
+$234.0M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.3B
+15.0% YoY
+3.4% QoQ
|
+$171.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.22%
+197.3% YoY
+4.9% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.77%
+46.9% YoY
+2.1% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
52.44%
-21.4% YoY
-2.4% QoQ
|
-10.19% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.45%
-18.4% YoY
+5.9% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
90.53%
-5.6% YoY
-1.8% QoQ
|
+7.47% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
11.63%
-26.6% YoY
-10.4% QoQ
|
-9.42% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-16.1% YoY
+0.7% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.37%
+0.6% YoY
+2.6% QoQ
|
+1.13% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.24%
+2.9% YoY
+29.8% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
NIB Deposit Bleed
decline
#5 of 89 · Bottom 5% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.63%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#161 of 513 · Bottom 31% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.53%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Efficiency Ratio
Current: 52.44% · Tier avg: 62.63%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
51
51th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.37% · Tier avg: 10.24%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.53% · Tier avg: 83.06%
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.63% · Tier avg: 21.05%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.63% · Tier avg: 21.05%
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.53% · Tier avg: 83.06%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.37% · Tier avg: 10.24%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
79
79th pctile
Efficiency Ratio
Current: 52.44% · Tier avg: 62.63%