BlastPoint's Banking Scorecard
MainStreet Bank
Community
Specialty: Commercial
VA
FDIC cert 57742
Fairfax, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
MainStreet Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19% in Community
- - Flatlined Growth: Bottom 20% in Community
- - Liquidity Strain: Bottom 22% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
-0.5% YoY
+4.1% QoQ
|
+$817.6M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.8B
+1.7% YoY
+3.0% QoQ
|
+$866.4M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.9B
-0.6% YoY
+4.7% QoQ
|
+$737.6M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.82%
+330.8% YoY
+1.0% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.61%
+7.7% YoY
-0.9% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
71.26%
-6.5% YoY
-1.4% QoQ
|
+8.63% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.71%
+23.8% YoY
+30.7% QoQ
|
+1.08% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
96.82%
+2.3% YoY
-1.6% QoQ
|
+13.76% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
19.88%
+15.7% YoY
+9.1% QoQ
|
-1.17% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.50%
+33.4% YoY
+36.3% QoQ
|
+1.00% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
15.05%
+2.8% YoY
-0.7% QoQ
|
+4.81% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.17%
+11.1% YoY
+27.5% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Risk Growth
risk
#124 of 642 · Bottom 19% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Flatlined Growth
risk
#50 of 245 · Bottom 20% in Community
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:
0.82%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#112 of 513 · Bottom 22% 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:
96.82%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
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
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.82% · Tier avg: 83.06%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.05% · Tier avg: 10.24%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.88% · Tier avg: 21.05%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
24
24th pctile
Efficiency Ratio
Current: 71.26% · Tier avg: 62.63%
13
13th pctile
Delinquency Rate
Current: 1.71% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.50% · Tier avg: 0.50%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.50% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.71% · Tier avg: 0.63%
24
24th pctile
Efficiency Ratio
Current: 71.26% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.88% · Tier avg: 21.05%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.05% · Tier avg: 10.24%
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.82% · Tier avg: 83.06%
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M