FDIC Cert #57598 · Deland, Florida · Est. 2003

Mainstreet Community Bank of Florida - FDIC Bank Health Profile

A community-scale look at Mainstreet Community Bank of Florida's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$911M
Total assets
C
Health grade · Fair
0.80%
Return on assets
9.1%
Tier 1 capital

Data updated July 2026

The verdict

Mainstreet Community Bank of Florida earns a PlainBankData health grade of C (56/100), with 9.10% Tier 1 capital, 0.80% ROA, 66% efficiency ratio.

#1,130
largest of 4,313 FDIC banks by assets
74th
percentile by asset size, nationally
9.10%
Tier 1 ratio - below the 10% well-capitalized line
29th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 57598 · FL C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3935/4307
  • PHOTO-FINISH Avidbank · CA
  • TIER1-ADEQ 9.1% Tier 1
  • TEXAS-CLEAN 11.0% Texas
  • ROA-PAR 0.80% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Avidbank, CA (±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 Mainstreet Community Bank of Florida

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

Morgan Stanley Bank,… · UT ·…100/1001st Trust Bank, Inc. · KY · …56/100Avidbank · CA · near56/100Heritage Bank & Trust · TN ·…56/100Mainstreet Community… · FL ·…56/100Meridian Bank · PA · near56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mainstreet Community Bank of Florida · July 2026

Call Report read for Mainstreet Community Bank of Florida in a high-failure state

Mainstreet Community Bank of Florida (FDIC Cert #57598) carries a PlainBankData health grade of C at 56/100, 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 #3,935 of 4,307. Tier 1 capital prints at 9.10%, missing the 10% well-capitalized line. The Texas Ratio is 10.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.80%. Balance-sheet scale is $911M, 1,130th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Avidbank (CA), 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 Mainstreet Community Bank of Florida

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Mainstreet Community Bank of Florida sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Mainstreet Community Bank of Florida's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

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

How Mainstreet Community Bank of Florida's 56/100 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 avg77/10056/100
Mainstreet Community Bank of Florida's composite health score
Tier 1 Capital Ratio (9.10%) 18/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (10.97%) 16/20
Efficiency Ratio (66.29%) 8/15

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

Balance sheet at a glance

Total Assets

$911M

Total balance-sheet footings

Total Deposits

$825M

Customer-funded liabilities

Net Loans

$665M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.7% 9.1% 10.5%
Basel III capital ratios - Mainstreet Community Bank of Florida

Where Mainstreet Community Bank of Florida ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mainstreet Community Bank of Florida's score of 56/100 falls in the highlighted band.

Mainstreet Community Bank of Florida: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 9th percentile higher than 9% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Mainstreet Community Bank of Florida 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

Mainstreet Community Bank of Florida'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). Mainstreet Community Bank of Florida's $911M falls in the highlighted band.

Capital & credit buffers at Mainstreet Community Bank of Florida

Tier 1 capital ratio
Well-capitalized 10%

9.10% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.10%
Texas Ratio
10.97%
Equity Capital
$79M

What these ratios mean →

Profitability metrics: Mainstreet Community Bank of Florida

Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
9.93%
Efficiency Ratio
66.29%

What these mean →

Income & expense at Mainstreet Community Bank of Florida

$45M
Interest Income
$5M
Non-Interest Income
$23M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mainstreet Community Bank of Florida reports a Texas Ratio of 10.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mainstreet Community Bank of Florida on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($911M here), outside Florida so the neighborhood is not state containment.

FNB Oxford Bank $911M · MS New Peoples Bank, Inc. $910M · VA First National Bank of Oklahoma $912M · OK First Security Bank $908M · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mainstreet Community Bank of Florida (FDIC Cert #57598) - 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.

Mainstreet Community Bank of Florida Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%