Main Street Bank
Marlborough, MA·RSSD 818401·FDIC 90235·bank:818401·Risk-based ratios where reported
- #33 of 94Total assets in Massachusetts
- 6offices
- 161employees
- Top 4%C&I loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Main Street Bank
4 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Reliance on CDs falling faster than peersNotable: Funding 2nd quarter18.5%peers 26.5%-8.0 pp
Main Street Bank's time deposits' share of deposits fell 6.8 percentage points over the past year to 18.5%. Among 625 similar banks, the median fell 0.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 18.5% | 26.5% | -8.0 pp |
| 12-month change | ||
| -6.8 pp | -0.7 pp | -6.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Main Street Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-5.1%peers +5.8%-10.9 pp
Main Street Bank's loans declined 5.1% over the past year to $1.3 billion. The median among 624 similar banks was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -5.1% | +5.8% | -10.9 pp |
| Loans | ||
| $1.3 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Main Street Bank itself is left out of every peer median and percentile. How signals work
Problem loans rising faster than peersWorth a look: Asset quality1.69%peers 0.48%+121 bps
Main Street Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 114 bps over the past year to 1.69%. Among 624 similar banks, the median rose 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 1.69% | 0.48% | +121 bps |
| 12-month change | ||
| +114 bps | +2 bps | +112 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Main Street Bank itself is left out of every peer median and percentile. How signals work
C&I lending growing faster than peersStrength: Lending 2nd quarter+48.8%peers +4.3%+44.5 pp
Main Street Bank's commercial and industrial loans grew 48.8% over the past year to $92.2 million. The median among 615 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +48.8% | +4.3% | +44.5 pp |
| Commercial and industrial loans | ||
| $92.2 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Main Street Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Main Street Bank is a bank headquartered in Marlborough, Massachusetts. It reported $1.7 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.4 billion, down 2.4% from a year earlier, and loans totaled $1.3 billion, down 5.1%.
- Its net interest margin was 3.05% and its annualized return on assets was 0.73% for the quarter.
- Its cost of all deposits was 2.13%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Main Street Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Main Street Bank · Bank
- Federal Reserve RSSD
- 818401
- FDIC certificate
- 90235
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Main Street Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $3M | — | |
| $20.24M | — | |
| $8.36M | — | |
| $11.88M | — | |
| $2.68M | — | |
| $10.49M | — | |
| -$435K | — | |
| -$460K | — | |
| 0.73% | 0.73%ROAQ · Quarter | |
| 3.05% | 3.04%NIMYQ · Quarter | |
| 72.07% | 70.01%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.