Mainstreet Bank (FDIC #57742): Bank Stress & Real-Estate Credit Exposure
Mainstreet Bank (FDIC Cert #57742): bank stress 64/100, elevated, STABLE over 7 days; parent MAINSTREET BANCSHARES INC.
Mainstreet Bank (#57742) lends in 5 counties across 2 states; Mainstreet Bank (#57742) reaches 134 ZIP codes: Virginia 4 counties, 77 ZIPs; District of Columbia 1 county, 57 ZIPs.
Mainstreet Bank (#57742) largest markets: District Of Columbia County, DC (57 branches, 57 ZIPs) (#57742), Fairfax County, VA (98 branches, 49 ZIPs) (#57742), Loudoun County, VA (42 branches, 21 ZIPs) (#57742), Arlington County, VA (12 branches, 12 ZIPs) (#57742), Fairfax County, VA (3 branches, 3 ZIPs) (#57742).
Mainstreet Bank (#57742) reports $2.24 billion in total assets; Mainstreet Bank (#57742) equity $279.2 million (12.5% of Mainstreet Bank (#57742) assets); Mainstreet Bank (#57742) domestic deposits $1.94 billion; Mainstreet Bank (#57742) net income $10.0 million; Mainstreet Bank (#57742) return on assets 0.90%; Mainstreet Bank (#57742) return on equity 7.19%; Mainstreet Bank (#57742) net interest income $37.4 million; Mainstreet Bank (#57742) call report June 30, 2026.
Mainstreet Bank (#57742) noncurrent real-estate loans 0.03% of its book; Mainstreet Bank (#57742) net charge-offs on real estate 3.29%; Mainstreet Bank (#57742) multifamily charge-offs 2.92%; Mainstreet Bank (#57742) residential charge-offs 1.84%.
Mainstreet Bank (#57742) net interest margin 3.63% against an eight-quarter Mainstreet Bank (#57742) average of 3.52% (Mainstreet Bank (#57742) compression -0.11 points); Mainstreet Bank (#57742) real-estate loans 2.8% of equity; Mainstreet Bank (#57742) non-residential real estate 183.6% of equity; Mainstreet Bank (#57742) rate-exposure score 40/100, Mainstreet Bank (#57742) fixed-rate trap 40/100; Mainstreet Bank (#57742) risk type credit driven; Mainstreet Bank (#57742) rate regime rates elevated, Mainstreet Bank (#57742) snapshot October 20, 2026.
Mainstreet Bank (#57742) stress score moved from 63.4 on June 22, 2026 to 63.7 on October 20, 2026; Mainstreet Bank (#57742) ranged 63.4 to 63.7 over 117 snapshots.
Mainstreet Bank (#57742) alerts: 5 counties; top Mainstreet Bank (#57742) alert scores: Washington County, VA 40 (moderate); Arlington County, VA 39 (moderate); Fairfax County, VA 38 (moderate); Mclean County, VA 22 (low); Middleburg County, VA 22 (low).