Headquartered in Wooster, Ohio, Main Street Bank Corp. is a state-chartered bank with $1.6B in total assets and $1.4B in deposits as of Q2 2026. It operates 21 offices across 2 states. Its charter dates back to 1899.
Based on its Q2 2026 filing, Main Street Bank Corp. scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 93rd. Its strongest component is problem-loan coverage (90/100; 5.2%), and its lowest is capital cushion (42/100; 9.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 56 |
| Q4 2024 | 58 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.87% |
| Q3 2024 | 8.86% |
| Q4 2024 | 8.88% |
| Q1 2025 | 9.00% |
| Q2 2025 | 8.97% |
| Q3 2025 | 8.96% |
| Q4 2025 | 9.02% |
| Q1 2026 | 9.15% |
| Q2 2026 | 9.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.23% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.41% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.6B | 9.25% | 0.66% | 1.49% | 91.7% |
| Q1 2026 | 67 | $1.5B | 9.15% | 0.50% | 1.34% | 92.6% |
| Q4 2025 | 67 | $1.5B | 9.02% | 0.44% | 1.22% | 90.5% |
| Q3 2025 | 66 | $1.5B | 8.96% | 0.42% | 1.16% | 92.2% |
| Q2 2025 | 66 | $1.4B | 8.97% | 0.40% | 1.09% | 93.5% |
| Q1 2025 | 65 | $1.4B | 9.00% | 0.43% | 1.09% | 95.2% |
| Q4 2024 | 58 | $1.4B | 8.88% | 0.54% | 0.41% | 95.9% |
| Q3 2024 | 56 | $1.4B | 8.86% | 0.48% | 0.20% | 101.3% |
| Q2 2024 | 61 | $1.4B | 11.87% | 0.41% | -0.23% | 102.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| The State Bank and Trust CompanyBank Defiance, OH | 70 out of 100, Strong | $1.6B | 10.0% | 0.30% | vs |
| The Ohio Valley Bank CompanyBank Gallipolis, OH | 54 out of 100, Below average | $1.6B | 9.7% | 1.45% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |
| The Croghan Colonial BankBank Fremont, OH | 73 out of 100, Strong | $1.4B | 10.1% | 0.08% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
Deposit insurance
Is my money safe at Main Street Bank Corp.?
Yes. Main Street Bank Corp. is an FDIC-insured institution (FDIC certificate #29847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.9% of deposits ($220.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.80% (benchmark: 10%).
21 locations
Branches
Main Street Bank Corp. lists 21 offices in 17 cities across 2 states. Most locations:
- Wooster, OH (3)
- Ashland, OH (2)
- Wheeling, WV (2)
- Canfield, OH (1)
- Carrollton, OH (1)
- Creston, OH (1)
- Dalton, OH (1)
- Fredericksburg, OH (1)
- Lodi, OH (1)
- Millersburg, OH (1)
- Moundsville, WV (1)
- North Canton, OH (1)
Identity & history
Profile
- Legal name
- Main Street Bank Corp.
- Former names
- Wayne Savings Community Bank; Wayne Savings and Loan Company
- Type
- State-chartered bank
- FDIC certificate #
- 29847
- RSSD ID
- 985479
- Primary regulator
- FDIC
- Holding company
- Main Street Finl Services Corp
- Established
- January 1, 1899
- Headquarters
- 151 N Market St, Wooster, OH 44691
- Website
- www.mymainstreetbank.bank
- Employees
- 168
Quick answers
Main Street Bank Corp.: common questions
Is Main Street Bank Corp. FDIC insured?
Yes. Main Street Bank Corp. is an FDIC-insured institution (FDIC certificate #29847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Main Street Bank Corp.'s TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Main Street Bank Corp. ever failed?
There is no failure record for FDIC certificate #29847 in the FDIC failed bank list.
How many branches does Main Street Bank Corp. have?
21 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Wooster
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Brewster Federal Credit UnionCredit union Brewster, OH | 95 out of 100, Very strong | $32.9M | 18.4% | 0.56% | vs |
| Firstenergy Family Credit UnionCredit union Akron, OH | 93 out of 100, Very strong | $47.2M | 16.5% | 0.53% | vs |
| C E S Credit UnionCredit union Mount Vernon, OH | 91 out of 100, Very strong | $244.3M | 13.1% | 0.16% | vs |
| Medina County Federal Credit UnionCredit union Wadsworth, OH | 88 out of 100, Very strong | $151.3M | 12.3% | 0.09% | vs |
| Ashland Community Federal Credit UnionCredit union Ashland, OH | 84 out of 100, Strong | $23.1M | 12.3% | 0.10% | vs |
| New Horizon Federal Credit UnionCredit union Barberton, OH | 82 out of 100, Strong | $44.9M | 13.2% | 0.17% | vs |