Main Street Bank Corp (FDIC #29847): Bank Stress & Real-Estate Credit Exposure

Main Street Bank Corp (FDIC Cert #29847): bank stress 62/100, elevated, STABLE over 7 days; parent MAIN STREET FINL SERVICES CORP.

Main Street Bank Corp (#29847) lends in 13 counties across 2 states; Main Street Bank Corp (#29847) reaches 236 ZIP codes: Ohio 10 counties, 215 ZIPs; West Virginia 3 counties, 21 ZIPs.

Main Street Bank Corp (#29847) largest markets: Stark County, OH (43 branches, 43 ZIPs) (#29847), Mahoning County, OH (38 branches, 38 ZIPs) (#29847), Belmont County, OH (29 branches, 29 ZIPs) (#29847), Columbiana County, OH (28 branches, 28 ZIPs) (#29847), Wayne County, OH (175 branches, 25 ZIPs) (#29847), Medina County, OH (24 branches, 24 ZIPs) (#29847).

Main Street Bank Corp (#29847) reports $1.55 billion in total assets; Main Street Bank Corp (#29847) equity $151.3 million (9.7% of Main Street Bank Corp (#29847) assets); Main Street Bank Corp (#29847) domestic deposits $1.39 billion; Main Street Bank Corp (#29847) net income $11.4 million; Main Street Bank Corp (#29847) return on assets 1.49%; Main Street Bank Corp (#29847) return on equity 15.46%; Main Street Bank Corp (#29847) net interest income $28.3 million; Main Street Bank Corp (#29847) call report June 30, 2026.

Main Street Bank Corp (#29847) noncurrent real-estate loans: none reported; Main Street Bank Corp (#29847) net charge-offs on real estate 0.68%; Main Street Bank Corp (#29847) residential charge-offs 0.84%.

Main Street Bank Corp (#29847) net interest margin 3.90% against an eight-quarter Main Street Bank Corp (#29847) average of 3.42% (Main Street Bank Corp (#29847) compression -0.48 points); Main Street Bank Corp (#29847) non-residential real estate 83.8% of equity; Main Street Bank Corp (#29847) rate-exposure score 40/100, Main Street Bank Corp (#29847) fixed-rate trap 40/100; Main Street Bank Corp (#29847) risk type credit driven; Main Street Bank Corp (#29847) rate regime rates elevated, Main Street Bank Corp (#29847) snapshot October 19, 2026.

Main Street Bank Corp (#29847) stress score moved from 63.7 on June 22, 2026 to 61.6 on October 19, 2026; Main Street Bank Corp (#29847) ranged 61.6 to 63.7 over 116 snapshots.

Main Street Bank Corp (#29847) alerts: 13 counties; top Main Street Bank Corp (#29847) alert scores: Ashland County, OH 34 (low); Canfield County, OH 22 (low); Carrollton County, OH 22 (low); Lodi County, OH 22 (low); Millersburg County, OH 22 (low).