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Main Street Bank

IDRSSD: 818401
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2026-Q1QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #818401 2026-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.63% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -32

The five pillars

Liquidity

StableQoQ -3
64
Sub-score

Liquidity is stable: brokered 7.7%, loans/deposits 94.4%, cash 1.6% of assets.

Cash / Assets
1.63%
Loans / Deposits
94.41%
Brokered %
7.71%

Watch Items

  • watchCash / Assets below 3% — Cash 1.63% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.51%, CET1 16.51%, leverage 12.06%.

Tier 1 RBC
16.51%
CET1
16.51%
Leverage
12.06%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 1.68%, Texas Ratio 10.1%, NCO YTD -0.05%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
-0.05%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -32
27
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 55.2%, true coverage 55.2%.

ALLL / Loans
0.92%
Coverage
55.2%
True Loss Coverage
55.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:37:49 UTC