# MAIN STREET BANK
MARLBOROUGH, MA · FDIC certificate 90235 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.67B | |
| Deposits | $1.39B | |
| Loans and leases | $1.25B | |
| Total equity | $183.7M | |
| Loans / deposits | 89.25% (p56 of band) | 87.10% |
| Liquid assets / assets | 21.08% (p49 of band) | |
| Uninsured deposits / deposits | 26.32% (p34 of band) | 30.76% |
| Brokered deposits | 6.46% | |
| Wholesale funding | 10.20% (p65 of band) | |
| FHLB advances / assets | 3.74% | |
| Tier 1 leverage | 12.04% (p76 of band) | 10.50% |
| Unrealized securities loss / equity | -15.00% (p28 of band) | -7.75% |
| AOCI / equity | 0.46% (p92 of band) | |
| ROA (annualized) | 0.63% (p11 of band) | 1.26% |
| Net interest margin | 3.01% (p16 of band) | 3.70% |
| Efficiency ratio | 73.44% (p85 of band) | |
| Noncurrent loans | 1.69% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p4 of band) | |
| Reserve coverage of noncurrent | 53.24% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 39.19% (p41 of band) | |
| Auto loans | $1.1M (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 161 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 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 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | capital falling, reserve under noncurrent |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans exceed deposits, deposits shrinking | expense ratio p90 |
| 2020-03 | 4 | losing money, reserve under noncurrent |  |
| 2020-06 | 2 | capital falling | loans exceed deposits, deposits shrinking, losing money |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | wholesale funding >15% |  |
| 2023-09 | 4 | brokered >10% |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | expense ratio p90 | capital falling |
| 2024-06 | 2 |  | securities losses >30% of equity, expense ratio p90 |
| 2024-09 | 4 | loans exceed deposits, deposits shrinking |  |
| 2024-12 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 2 |  | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  | wholesale funding >15%, brokered >10% |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-07 [Cape Cod 5 Closing Main Street Bank Branch By October - Nantucket Current](https://news.google.com/rss/articles/CBMikAFBVV95cUxOc3JZZ1N2X1dSaDhuakFoYkNsYmlzbEh2Z2RUcjBjWFE3U3dLejlGUlBZcW0xZV80YkFkU1dvWkJKeW1Ob2hrMGZSRWYtWmhDbDdmVzBXT3I2UHhBXzk1c3QwTmFlMzJDdjA5SkNMZHBnV3E2QnZQM1BoajllOUd6MmZOdUdrZ09kYTZJS09uNzE?oc=5) · Nantucket Current
- 2026-03-26 [UMass Memorial Health Gets $100K Boost - communityadvocate.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQM1NOUEw3a0JiMUVyRWMta2VtWE9wZTJWX1ItdGdVcV9uY1VhN0U3ZlZoRVlMcFdxQno4dTIzYXJweVdUNENsaTJmd2daWTdJUVNmT0JqRmFoN2dvQnZ0aGtubFJ5OGNWR3ZDeDZSRmkxSW1IWno1UGduc2RQOTE0Y1Z6VjlGYThxaTRWX0FSOGhid3JGU0RfTjgxQmZ6YloxZWQwNWN1VmY4Z0RlNEVsd0tYeUVkdXlPUHEtSFJGLWZMLUJHMGVfNjVwSXhJV2xsV09aeXNXVmNiU1BqTUVSUGw4MjVrWUNpWmNHWElqdkJza0pSNnB4QUZUS1luZmVtZTYtbDgzR00?oc=5) · communityadvocate.com
- 2026-06-12 [Marlborough Companies To Add Jobs After State Training Grant - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxNS2RhVnIxMzBHaXlQU2JZXzhWdGFRUVJNNmFETlBEU01uc1JmWnlkNnpmcHdfNUJSRFlwZS1QN213ZlFHT1BiQ0RqRUVvOW8tbG8yQ0RlTFppYVVpb1c1TUJ3anRjd0dRcnp1c2d3bzhSd1NTalR3dzY3dXNaZFlCTkFXOW9zb0lPcXB1SnhXRjNmb3pBNFA0NGtVODBJTy1VVUs0?oc=5) · Patch
- 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
- 2017-04-04 [Main Street Bank now official - Worcester Business Journal](https://news.google.com/rss/articles/CBMibEFVX3lxTE51dzJGZFV1dm1ZZVFmZEM1YXl3eFQ4ZW5YdjlRYlMybmFTbDNZOU9XbXpYV1poNjBHelhpcVJZYnN2VEZMR08zS19DUWgwZzZNN1hVX2lzV2VoNGhKVUtXbldJMFgyTXFtUEowSA?oc=5) · Worcester Business Journal
- 2026-03-20 [Hospital Campus In Marlborough Gets $100K For Emergency Department Renovation, Expansion - Patch](https://news.google.com/rss/articles/CBMiswFBVV95cUxPQzdLOW1QbzQ0bC1obnpaWDhJTmtwd1cwNGM1YjVLX01vVEEteXpSTU9GWHptbWR5NGhncjl5VTJLNmZ3LUxIMlBwTUQ4U0h1ekhkdE5ZdWV0cU5tUXVkdDlmTC1IMXZsYlppdG42emMtNGY1UmtaUzZPUVlYZEZhX2gyV1BValc4RXUtNFhhWDh6aGNlMlVoQTVfdDFiWjR4eWdlSFA4aDRJczd2Q2xqb0VZdw?oc=5) · Patch
- 2026-06-13 [Mass. banking group honors MutualOne's Kristin Carvalho. Here's why - MetroWest Daily News](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPVFdKTWdBdVdqSnc1NUhoQTFmSnZQeVhoWHE4eXBKSzNNaUpxUVNNYjBPbWJkdGFsd0tlVmdGUUFnR0lUWjQzaU1QQmxCMmZpOWNfX0ljTVNyOUNPRXB5SmEtLUIxWHNrUl9uUFVkVDNIbVFDUzkwQ0xxeWNveUtNdjdpSkltb056bXV5c1o2c1ZKSENqOGJXRldQTmFJWFNUNkthd3RVUE9sc0xQV0xHejMtM0l3aUhVbVJ3VEl5dlFFUS1SRDJTY1owSXY1WnJrdkZGVzFCdDVKRG1LcjFBcjhsUlc5YzF1N3dLQ2wzbEdLX05HR2p2c0Ytazd1UQ?oc=5) · MetroWest Daily News
- 2015-06-01 [Onset man to no longer face bank robbery charges - wareham.theweektoday.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPUkdWX2p4UjFYTTh1WTk5TXNRMzQtUHoxV3pWbkpabmVpUW9rNTVPd0NzT0JzN202bTFtNnBGMUJUbXY3ZXVqUUlWRWd1UXZCUHRHOTF3a2o2T0FjZGN2MERZU1h5OFZlUEFnUW9qUWVWSnN2WEc2MVZMaU4tc2dSZUhvZzVBVWFIa2hKWkJsSnN4WVg0bXFV?oc=5) · wareham.theweektoday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90235 (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/59.json (key "90235", 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