Main Street Bank Corp.
Wooster, OH
IDRSSD: 985479
Total Assets
$1.47B
Latest filing
Total Deposits
$1.29B
Latest filing
Net Interest Margin
3.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Main Street Bank Corp.
151 N Market St
Wooster, OH 44691
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1899FDIC Certificate 42681
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Main Street Bank Corp. (Main) | 151 N Market St | Wooster, OH |
| CRESTON BRANCH | 121 N Main St | Creston, OH |
| NORTH CLAY STREET BRANCH | 90 N Clay St | Millersburg, OH |
| 233 CLAREMONT BRANCH | 233 Claremont Ave | Ashland, OH |
| 237 N MAIN ST BRANCH | 237 N Main St | Rittman, OH |
| 1926 CLEVELAND RD BRANCH | 1926 Cleveland Rd | Wooster, OH |
| 303 HIGHLAND DRIVE BRANCH | 303 Highland Dr | Lodi, OH |
| MO BRANCH | 2001 Main St | Wheeling, WV |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44691 |
| State and County Number | 39169 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Wooster, OH |
Operational Info
| Number of Employees | 158 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/31/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.mymainstreetbank.bank |
| Data Updated | 11/14/2025 |
| CERT | 29847 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.47B |
| Total Deposits | $1.29B |
| Total Liabilities | $1.33B |
| Total Equity Capital | $138.27M |
| Net Income | $4.75M |
| Net Loans and Leases | $1.19B |
| Assets Per Employee ($Millions) | $9.08M |
| Bank Premises and Fixed Assets | $10.22M |
| Cash and Balances due from Depository Institutions | $51.28M |
| Deposits Held in Domestic Offices | $1.29B |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 14.09% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 50.38% |
| Tier 1 Risk-Based Capital Ratio | 11.084% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.403% |
| Earning Assets to total Assets | 94.7% |
Income and Expense
| Total Interest Income | $21.18M |
| Total Noninterest Income | $1.17M |
| Total Interest Expense | $8.18M |
| Total Noninterest Expense | $7.68M |
| Net Interest Income | $13.00M |
| Pre-tax Net Operating Income | $6.02M |
| Provision for Credit Losses | $479.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $399.00k |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $11.40M |
| All Other Liabilities | $8.90M |
| Total Liabilities and Capital | $1.47B |
Securities
| Securities | $156.51M |
| Available-for-sale debt securities | $150.46M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $6.05M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Main Street Bank Corp.?
$1.47B as of the latest filing.
How much are Main Street Bank Corp.'s total deposits?
$1.29B in total deposits.
Where is Main Street Bank Corp. located?
Wooster, OH.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
19.
When was it established?
01/01/1899.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$1.19B (latest filing).
What is the total interest income (latest filing)?
$21.18M.