Main Street Bank Corp.
Wooster, Ohio, Wayne County
$1.6B in total assets, the 744th largest of 4,309 US banks and 24th of 160 headquartered in Ohio.
- FDIC certificate
- 29847
- Established
- 1899
- Owned by
- Main Street Finl Services Corp
- Primary regulator
- FDIC
- Website
- www.mymainstreetbank.bank
At a glance
Compared with 27 banks headquartered in Ohio with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 44% | $1.6B | |
| Loans | $1.3B | 63% | $1.1B | |
| Deposits | $1.4B | 44% | $1.4B | |
| Return on assets | 1.42% | 81% | 1.19% | |
| Net interest margin | 3.90% | 70% | 3.62% | |
| Efficiency ratio | 47.2% | 7% | 59.2% | |
| Equity to assets | 9.74% | 26% | 10.27% | |
| Loans to deposits | 93% | 70% | 86% |
Growth
Total assets grew 19.8% a year over the last 5 years and 13.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2024 | Main Street Bank Corp. Wheeling, WV, an affiliate under the same holding company | $603M |
| Jun 2004 | Stebbins National Bank of Creston Creston, OH | $28M |
| Sep 2003 | Village Savings Bank, F.S.B. North Canton, OH | $49M |
Where they operate
21 branches in 13 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Wayne County, OH | $447M | 14.5% | 3 of 12 |
| Ohio County, WV | $392M | 17.0% | 2 of 7 |
| Ashland County, OH | $119M | 11.0% | 4 of 10 |
| Brooke County, WV | $106M | 18.2% | 3 of 4 |
| Marshall County, WV | $78M | 9.3% | 4 of 6 |
| Stark County, OH | $52M | 0.5% | 13 of 17 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (11 to 21, +90.9%). 6 opened, 5 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2020 | Opened FredericksburgClosed Wooster | 1 | 1 | 0 | 11 |
| 2021 | Opened Washingtonville | 1 | 0 | +1 | 12 |
| 2023 | Opened Carrollton and Dalton | 2 | 0 | +2 | 14 |
| 2024 | Acquired Main Street Bank Corp. | 5 | 0 | +5 | 19 |
| 2025 | Opened Saint Clairsville | 1 | 0 | +1 | 20 |
| 2026 through Q2 | Opened Canfield | 1 | 0 | +1 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 43% | 34% | |
| Commercial real estate | 27% | 29% | |
| Farmland | 11% | 3% | |
| Business (C&I) | 10% | 12% | |
| Construction and land | 4% | 6% | |
| Multifamily | 3% | 7% | |
| Consumer | 1% | 4% | |
| Agricultural | 1% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 56% | |
| Time deposits | 36% | 24% | |
| Noninterest-bearing | 11% | 20% |
Brokered deposits are 0.0% of deposits (peers 5.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.66% | 0.60% |
| Net charge-offs, annualized | 0.00% | 0.02% |
| Reserves to loans | 1.07% | 1.11% |
| Leverage ratio | 9.25% | 10.45% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Wayne County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/main-street-bank-wooster-oh