# MAINSTREET BANK
COOK, NE · FDIC certificate 18528 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $105.5M | |
| Deposits | $94.6M | |
| Loans and leases | $57.2M | |
| Total equity | $8.9M | |
| Loans / deposits | 60.44% (p43 of band) | 64.15% |
| Liquid assets / assets | 41.89% (p52 of band) | |
| Uninsured deposits / deposits | 17.52% (p46 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.69% (p61 of band) | |
| FHLB advances / assets | 1.69% | |
| Tier 1 leverage | 8.24% (p13 of band) | 10.40% |
| Unrealized securities loss / equity | 0.98% (p52 of band) | 0.89% |
| AOCI / equity | -2.82% (p17 of band) | |
| ROA (annualized) | 0.81% (p37 of band) | 1.04% |
| Net interest margin | 4.31% (p87 of band) | 3.30% |
| Efficiency ratio | 79.97% (p77 of band) | |
| Noncurrent loans | 0.58% (p61 of band) | 0.35% |
| Net charge-offs (annualized) | 1.63% (p100 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.2M (2.09% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 3 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-20 [MainStreet Bank (MNSB) Beats Q2 Earnings Estimates - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSGF4Z3lKcHY4UW9sMjMta0NqWXJhUDZOQWN6WmdaOF95Nm9henc1MGRyQXV1MC1ZLWZLYVgzdFVBVHdnRjNUZmxBa1Z5SzdEQk9BbkxQa01HTGw5aGFjVkpCakp6d2g5M0hIVzF5ZUMtVlBOZFZPc3RQZW1BMVFYeHdpSmRhV0ZBOUI5SHpjNVRuY2NZc0dIdnhB?oc=5) · Yahoo Finance
- 2025-07-07 [MainStreet Bank Promotes Alex Vari to Chief Financial Officer - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeDljWFJpM0tCZlp4dWJpVGY2UkhRZV81aS1JS05xVFMtbGYxYkMzQmpQeVlPeG1ZM1lmQ1VEMnNFUDVueUxSTFc5Y0I4c01tUjdyS0NLQ2VNREJSMWwwUmZ6N2p6NWxiNTcyNms4SkJsbDdEUkQ0VzdPMURMS2tnWDhZaVAwN0MxcUNnN0ZCd2tEWm51SmN5VUdTSUUwNTA3LVRIYk5aZzZ1V3d0N3BqVm5MNV9peTZQ?oc=5) · PR Newswire
- 2025-06-02 [MainStreet Bank reports vendor cyber incident that leaked customer info - The Record from Recorded Future News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1WZnM3a0F5Mms2U0o2cjNrR0xjbXYxdmpCZUQ0R0dzeEVyM0xha3NaWXlmMzVoclRsTlZCOWtyeWlmcll4Wkpxc1hiOUhTWllaMl8za2F4MGlnNU1ZV0prWDJxd0FVQQ?oc=5) · The Record from Recorded Future News
- 2023-11-30 [Mainstreet Bank’s New President Announced - South Lake Tablet](https://news.google.com/rss/articles/CBMifkFVX3lxTE13bnM2Rnprdk42WlIyZmh4aUU5Z2J4RFZFRlhidEFTWTJHZUR0ZTRkcFdSZUVOeTlQeFZVSUtSN2FSU1ZYXzJ5WXM2VnFyRFVFQ0xaTS00NVVWRTlrempUT1pVTUgxLWVoeE1qSUtUYXB3cFlRcmctU05aaFIwQQ?oc=5) · South Lake Tablet
- 2025-10-28 [MainStreet Bank backs away from cannabis banking initiative as it eyes M&A - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQY2FoMDdIb3lNanlIOEFSNklMeVk1MmE4ekk4NHZ3RThWUmU0eGJRZ3dnMWRibEsyd1pQY093YmZCdHM2MmNJOEZvSWYzSjAyMGhMMElPeEt1bHBXc3pqalpfZW41NzFWOEw0WVp5OXpVa08wOUNKSUNuamZXZXVUWlVsUUxNOUV1S2dleVdGM2xrTEZXb1MzWUdsNW9WZUwzeENOeU1pZw?oc=5) · The Business Journals
- 2025-06-03 [MainStreet Bank Data Breach Impacts Customer Payment Cards - SecurityWeek](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMzFUbkpSR3hYOVhySW5GU1JjaDRFcGpwcDZMZTJpQWpqM2gtQzVqMkJpTzRrMWNCMDZQTjREMmx3cDJJZjlDd2xha3BFcDJVRUJIcl9SZlZybVIzaGZMRXQ1c2tZUUNoWWZ2V1VFSXZ4a0FvTk5KbThzT2Z2WlYzNmRMLXdRb2hCVHBEdXFPNlB3Z9IBlwFBVV95cUxQM0g1WHFsSWVCZDJQb0NubVMzd1dlR2R3bDNqQ0w5WGlKN2R6SklOeV96ZU1CRXluSjFIWWhzU2thY1VoMWV0N1ZzOXNNRWdZcDNOWGZZYUllN2tVN2phdmZKbDgtSVFXazRPQlhhMDZucTZYSV9lSnVDdno2aEdhMERnZU1TVnZZOHpfdldhU1FscHJTWXRN?oc=5) · SecurityWeek
- 2025-02-03 [A Virginia bank prescribes cannabis to close revenue gap - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxNc2dmTDFnSDh0T1FMYlM4NElnYmJJelFkcDJuMEU2c3Bmb0RqTDF5MmhzUGlVc0RDR1E2V3BKR243a1VTb3pqU05Dc3R2SFdUUnZyQUFWSXdGNDNsaERsenNXVm1XTXg2eXFfZnpnaVk0THlwUi1YSVo5WDFfcFlNQlVXVW90TzR6R1A0VVprY0VCWm4xZS1Z?oc=5) · American Banker
- 2023-10-18 [MainStreet Bank Inaugurates Its Avenu Software as a Service (SaaS) Technology with Its First Client, SafariPay - PR Newswire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNYzZBMldENHYtelJxWU8yS09sWGtwbkVnaDJ4WnZGdXFVbE1Wbnl0UlFNNXdudnc2b0FVQ0drLWFPaWN3RlZzN3MwR1YyXzd6RFc0SzZXbmFEdEp4X3h2RG4zM1RCTnNPcDR4Qjk4cnVpM3dPTDVXVzdFTzliWEpKMENkdHFDdi14OGFOUVFBVzNVVFdIdDVkYXdhUGowYWMxb190NnNIVFZoZmt4OVpSX0R3b3hnbjBGSlczLWZ2SVVNaGNOMEJuZXpqT3VKMmU4RjU4NndjUDJQYzNxdEtUNnhaZUF5OEJZSUpZQkE2cXoxb0FXOGc?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18528 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "18528", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide