FDIC Cert #29847 · Wooster, Ohio · Est. 1899

Main Street Bank Corp. - FDIC Bank Health Profile

A community-scale look at Main Street Bank Corp.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.5B
Total assets
A
Health grade · Excellent
1.22%
Return on assets
11.4%
Tier 1 capital

Data updated July 2026

The verdict

Main Street Bank Corp. earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.37% Tier 1, profitable at 1.22% ROA, efficient (52% cost ratio).

#753
largest of 4,313 FDIC banks by assets
83rd
percentile by asset size, nationally
11.37%
Tier 1 ratio - above the 10% well-capitalized line
58th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 29847 · OH A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1944/4307
  • PHOTO-FINISH Anthem Bank & Trust · LA
  • TIER1-WELL 11.4% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-PAR 1.22% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Anthem Bank & Trust, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Main Street Bank Corp.

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Anthem Bank & Trust · LA · n…80/100First Harrison Bank · IN · n…80/100Greeneville Federal… · TN · …80/100Main Street Bank Corp. · OH …80/100The Bank of South Ca… · SC ·…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Main Street Bank Corp. · July 2026

Call Report read for Main Street Bank Corp. in a high-failure state

Main Street Bank Corp. (FDIC Cert #29847) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,944 of 4,307. Tier 1 capital prints at 11.37%, clearing the 10% well-capitalized line. The Texas Ratio is 3.45%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.22%. Balance-sheet scale is $1.5B, 753rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Anthem Bank & Trust (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Main Street Bank Corp.

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Main Street Bank Corp. sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Main Street Bank Corp.'s current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Main Street Bank Corp.'s 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Main Street Bank Corp.'s composite health score
Tier 1 Capital Ratio (11.37%) 28/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (3.45%) 20/20
Efficiency Ratio (52.44%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.5B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$1.2B

Outstanding loan book

Net Income

$18M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.97% 11.37% 12.77%
Basel III capital ratios - Main Street Bank Corp.

Where Main Street Bank Corp. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Main Street Bank Corp.'s score of 80/100 falls in the highlighted band.

Main Street Bank Corp.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 45% higher than 55% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Main Street Bank Corp. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Main Street Bank Corp.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Main Street Bank Corp.'s $1.5B falls in the highlighted band.

Capital & credit buffers at Main Street Bank Corp.

Tier 1 capital ratio
Well-capitalized 10%

11.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.37%
Texas Ratio
3.45%
Equity Capital
$143M

What these ratios mean →

Earnings posture at Main Street Bank Corp.

Return on Assets (ROA)
58th percentile nationally
1.22%
Return on Equity (ROE)
13.10%
Efficiency Ratio
52.44%

What these mean →

Income & expense at Main Street Bank Corp.

$84M
Interest Income
$4M
Non-Interest Income
$31M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Main Street Bank Corp. reports a Texas Ratio of 3.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Main Street Bank Corp. on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.5B here), outside Ohio so the neighborhood is not state containment.

Bath Savings Institution $1.5B · ME First National Bank of Pulaski $1.5B · TN Union County Savings Bank $1.5B · NJ Central National Bank $1.5B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Main Street Bank Corp. (FDIC Cert #29847) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Main Street Bank Corp. Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%