Main Street Bank Corp.: how it compares with its peers
Against 27 OH banks with half to twice its assets, Main Street Bank Corp.'s strongest measure in Q2 2026 is efficiency ratio (47.22% vs. a 59.55% peer median). Its weakest relative measure is assets per employee ($9.2M vs. $7.2M).
| Measure | Main Street Bank Corp. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.20% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.65% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.22% | 59.55% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $7.2M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.73% | 82.68% | Context |
What it means for lending operations
Its efficiency ratio of 47.22% is better than the 59.55% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- THE VINTON COUNTY NATIONAL BANK Mcarthur, OH · $1.59B
- The State Bank and Trust Company Defiance, OH · $1.61B
- The Ohio Valley Bank Company Gallipolis, OH · $1.65B
- The Union Bank Company Columbus Grove, OH · $1.44B
- The Croghan Colonial Bank Fremont, OH · $1.41B
- Guardian Savings Bank West Chester, OH · $1.39B
Questions about Main Street Bank Corp.
How big is Main Street Bank Corp.?
Main Street Bank Corp., established in 1899, is headquartered in Wooster, OH. It reported $1.55B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is Main Street Bank Corp.'s return on assets?
1.49% annualized in Q2 2026, against a 1.20% median for 27 OH banks with half to twice its assets, ahead of 74% of them.
What is Main Street Bank Corp.'s efficiency ratio?
47.22% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 59.55%, and lower is better.
Is Main Street Bank Corp. growing its loans?
Net loans grew 9.7% over the year to Q2 2026, while deposits grew 11.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.