# MAIN STREET BANK
KINGWOOD, TX · FDIC certificate 24979 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $240.4M | |
| Deposits | $192.4M | |
| Loans and leases | $13.9M | |
| Total equity | $47.2M | |
| Loans / deposits | 7.17% (p2 of band) | 71.39% |
| Liquid assets / assets | 87.72% (p99 of band) | |
| Uninsured deposits / deposits | 4.54% (p28 of band) | 8.02% |
| Brokered deposits | 7.98% | |
| Wholesale funding | 7.98% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.30% (p94 of band) | 9.99% |
| Unrealized securities loss / equity | 0.11% (p14 of band) | 3.72% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | 0.17% (p21 of band) | 0.72% |
| Net interest margin | 4.39% (p79 of band) | 3.86% |
| Efficiency ratio | 333.30% (p100 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.48% |
| Net charge-offs (annualized) | 0.68% (p84 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 65% | |
| Construction % of loans | 0.41% (p15 of band) | |
| Auto loans | $1.1M (8.16% of loans; DQ 2.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 56 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | expense ratio p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |

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

- 2026-09-09 [Historic Main Street bank building on the market - The Ellsworth American](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOLTU1TGpxV05FVjk2ZERXV3ZQSkNnQ2FkQnY3UzFXZFRVeXE0ODRaNlJERVZOejR6Q1AtVDNVa2J3cVZoNG9aOEUxV0xIbE51UTUya2s2eEFCR3FENUlOSEN6VkZGYno1dlQ0Z0ZxRndKTmxsTHpNam9UcDRwckE1QUJhZG1rNXJVOEVRNEhqZkYxVW5Tdk1RMk01ZVd6c3RCdEdDUDRpZUJ3el9TRmtvTDlzWWxRaTlCdkNrNmc2Sjh2ai1zcnRyb3FuVDZNaG1SWjNfXzhqWE9oZEZxZzFZ?oc=5) · The Ellsworth American
- 2017-02-01 [Fed Up: A Texas Bank Is Calling It Quits - WSJ](https://news.google.com/rss/articles/CBMiggFBVV95cUxOdFR6OTc3LTNseTVJbjZCenRMSXhtXzQtNnBUOTZoNVNiMjRtLTFOVXRrVFdFdkRxWDBTZkI2VUNWQnBkWFI0ODdnWXJuU2lBaU1pU05mQXByNnBFa2tjX0VodVk1dk1LNTN0dEFMWFlwODRpMlZMQUF6bXBWejZhandn?oc=5) · WSJ
- 2022-10-28 [How PNC maintains its Main Street banking philosophy coast-to-coast amidst growth - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcW1TeUlvREhHM2FoLVM4eWh5eHFzbUVwb2dRQWlBQTVESWpFYURHUDlGZEpwUW9veFVrN2ZnM3Q5OTlBcXNFUkdRb0VwSi1rd1ExZENBNlVMdUVCaFgxanctRDNZamRfdEREZEl4S3FPRFhxTWlvZE10NnRQMFBxYTBxRTJEV2tlU3hCbTVLLVdLZi1zZ1N1SkEwXzh0Z2RDSjFF?oc=5) · The Business Journals
- 2025-06-09 [Main Street Bank abruptly terminates CEO - Crain's Cleveland](https://news.google.com/rss/articles/CBMilgFBVV95cUxNS1FjZW9YdFFQei1jQndvcWFvZHNXaWczYy1HMVMwVXJ1VjltR0RoaVhJUEU3eHB1NUF5U1FQOHBncVBvWnhJcUE4dUJ2WHFsR3RhQVRldG5tYU5FalhmR1IyMlE3bG5vVWpSMzNHaWpqYXNLeElORnlISDFFZElfcGI4N2ljdFNlU1I0VlJteXh4VzFiU3c?oc=5) · Crain's Cleveland
- 2009-03-01 [Main Street National Bank - MonitorDaily](https://news.google.com/rss/articles/CBMicEFVX3lxTFBVT0VCd0JTQVAxbTZJUGZwcks1eVZwazJuX0lpOTlGS0pXYWFUU0daa0loMGVuOExRVURVanBTRHh5YjJObGZJaXdTV1d5V2lNd3dZMnRzUzlrdXM2cTFDdVh3TnpYTmFVeWQtSVE0VlQ?oc=5) · MonitorDaily
- 2022-04-27 [PNC Bank Appoints Yolanda Davila As Community Development Banking Southwest Territory Executive - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxOZ1hERnNoZ0JVWGdFTEVNQmpIRWttMGlUSlFUWGNaWUwzUmJiZ19rWHpybGxydU5mR3RydUlwZ1ZhQnA2TUFOYk5EN2pRZUlySmtOa1pZSGtEMWxaTjlTRm14VGtRcjh1X29DM1E5czR0UGtfN0dDaldqdW8tUWd6TVQzcy14M3EwYlZtQlM5dDBGSjV5WGRVR2dDWXJKNWtzRVJqMDczaFAzUHBibzRRSU50a0RmMXJNTUVNaUZIU3kybVVwWERF?oc=5) · PR Newswire
- 2022-11-18 [SLIDESHOW: 2022 Main Street Bank Fantasy in Lights Parade in Downtown Wheeling - - The Intelligencer](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOZGxBZmRsc2tzSHdsTUNHOTZwNnNfNUpQb0hLOGt0MVM0ZFZHUHlvdDh1ZW9YV0ZqcWVrYnJTWFprSV9GLU1Md0MwbmRLdk1kNlMtZXotSVZFanJDZlREa1V2ck5YR3VfT01EQkFrSUJ4WXNyTDdreG9ja0R1aGhzOV9BamFyaGNQZlpyUWpLM0ZtZzRTdzcwOFpOcmIydUVrOFNzX3U5bGRRYlB1eUk2Y2F4TEJqZ3laX0FoY3BDN0dFa2dMbjVmQWxXcG8xaVZXUXBHbw?oc=5) · The Intelligencer
- 2019-12-10 [MSWV Stock Price and Chart — OTC:MSWV - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9zQ2otdk9RLXZkM0VPM2JQcGg1d0pSUE1GSmFBN1NKTEZBUml6Wms5OFVjaWZ5dS1uWXBMd3dJWjZJaG11Vnd1azQ1NUltRG5LZ0c0NGVQNVY?oc=5) · TradingView

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24979 (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/19.json (key "24979", 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