# MAINSTREET BANK
FAIRFAX, VA · FDIC certificate 57742 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $2.24B | |
| Deposits | $1.94B | |
| Loans and leases | $1.95B | |
| Total equity | $279.2M | |
| Loans / deposits | 99.49% (p84 of band) | 87.10% |
| Liquid assets / assets | 8.00% (p3 of band) | |
| Uninsured deposits / deposits | 27.82% (p41 of band) | 30.76% |
| Brokered deposits | 29.65% | |
| Wholesale funding | 29.65% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.78% (p83 of band) | 10.50% |
| Unrealized securities loss / equity | -2.57% (p76 of band) | -7.75% |
| AOCI / equity | 0.09% (p84 of band) | |
| ROA (annualized) | 0.90% (p24 of band) | 1.26% |
| Net interest margin | 3.63% (p45 of band) | 3.70% |
| Efficiency ratio | 65.01% (p68 of band) | |
| Noncurrent loans | 3.15% (p96 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 31.50% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 112.05% (p92 of band) | |
| Auto loans | $400,000 (0.02% of loans; DQ 6.00%, NCO 0.00%) | |
| Loans to nondepository financials | $34.6M (12% of equity) (p88 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 166 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 | reserve under noncurrent | brokered >10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 3 | losing money, charge-offs p90 | capital falling, uninsured deposits leaving |
| 2012-09 | 3 | assets shrinking | reserve under noncurrent |
| 2012-12 | 1 |  | losing money, assets shrinking |
| 2013-03 | 2 | capital falling, deposits shrinking | charge-offs p90 |
| 2013-06 | 0 |  | capital falling, deposits shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | loans exceed deposits |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | loans exceed deposits |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2017-03 | 1 |  | brokered >10% |
| 2017-06 | 1 | capital falling | wholesale funding >15% |
| 2017-09 | 2 | construction >100% equity |  |
| 2017-12 | 3 | brokered >10%, wholesale funding >15% | capital falling |
| 2018-03 | 4 | loans exceed deposits |  |
| 2018-06 | 5 | liquid assets <10% |  |
| 2018-09 | 1 |  | brokered >10%, wholesale funding >15%, loans exceed deposits, liquid assets <10% |
| 2018-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | capital falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 5 | charge-offs p90 |  |
| 2020-09 | 4 |  | charge-offs p90 |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | uninsured deposits >50% |  |
| 2021-09 | 5 | run vulnerability |  |
| 2021-12 | 4 |  | wholesale funding >15% |
| 2022-03 | 6 | wholesale funding >15%, deposits shrinking |  |
| 2022-06 | 5 |  | deposits shrinking |
| 2022-09 | 6 | capital falling |  |
| 2022-12 | 5 | loans exceed deposits, uninsured deposits leaving | uninsured deposits >50%, run vulnerability, capital falling |
| 2023-03 | 4 |  | loans exceed deposits |
| 2023-06 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2023-09 | 5 |  | loans exceed deposits |
| 2023-12 | 6 | loans exceed deposits |  |
| 2024-03 | 5 | capital falling | uninsured deposits leaving, loans exceed deposits |
| 2024-06 | 7 | loans exceed deposits, reserve under noncurrent |  |
| 2024-09 | 6 | noncurrent p90 | liquid assets <10%, loans exceed deposits |
| 2024-12 | 6 | losing money | noncurrent p90 |
| 2025-03 | 4 |  | capital falling, losing money |
| 2025-06 | 4 | liquid assets <10% | reserve under noncurrent |
| 2025-09 | 5 | reserve under noncurrent |  |
| 2025-12 | 4 |  | liquid assets <10% |
| 2026-03 | 6 | capital falling, noncurrent p90 |  |
| 2026-06 | 7 | liquid assets <10% |  |

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

- 2025-11-26 [MainStreet Bancshares, Inc. Announces CFO Planned Retirement - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxQYWlmSjFwalk3Ry1DbFp2dUd5b0wtcjc4UnZMNms4MjhKUnZ6UGJBenpqenlQMnJabEV0YzRJVzVZS21jOGluWThWdWtuenZJMnBhdHhaTWRBWGZUZVJqNkg4djVRTkh3Wk1VMU5tbVhOQmxDVXVOVVQ5RzA2TGx1aS16WkhiWlcxZTFtUGpDRi14UVVOVUJMMVIzdkpIZUdJM2JaUXlFaEduTmhjT21oNExzQW8?oc=5) · PR Newswire
- 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
- 2026-05-19 [Oliver James to Lead MainStreet Bank’s Commercial and Government Contract Lending Team - Taiwan News](https://news.google.com/rss/articles/CBMiVEFVX3lxTFBnbjdhRWdvWUxUWXctVWRNVmVnb3FzNFludzJ3OGtmVnNYemE0ZHp2cEI4bzhuMi1NaDNYNWxRdzl0Q29yRndaQ010YXNRUDZWaHhJcQ?oc=5) · Taiwan News
- 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
- 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
- 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
- 2024-02-22 [MainStreet Bank Appoints Ali Manouchehri to Board of Directors - citybiz](https://news.google.com/rss/articles/CBMiowFBVV95cUxQMVU4V3RUclhsb2NUcHNlM3FZRlBtbWV4bXY2UVVzYVlLNFlvQjFUQWhvb0J1Nk04bnl1cXNYY01KMVpUakFqUUpzZ01nZlNPcXk0LTNyYkI2cUx5c2FsRXJfYVU1VGozR2dMSXNuX2xOejlnM1A0MmJROFFaSmFNN1BzMVphNGxhd2Jhb1dSbXVRTkwyNnF2bFBIeXlvNkg5RV80?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57742 (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/14.json (key "57742", 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