TellerScore

MainStreet Bank is a state-chartered bank (fed member) headquartered in Fairfax, Virginia, in business for about 22 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.9B in deposits, with 7 offices across 2 states.

MainStreet Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 54th. Capital cushion contributes the most (78/100, 12.78%); loan quality contributes the least (0/100, 3.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.78%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.15%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 99.5% · 27.8% uninsured
Problem-loan coverage58/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.83%

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

From Q2 2025 to Q2 2026, the score fell 26 points (73 → 47), mostly because the loan quality component weakened by 87 points.

TellerScore
476073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202464
Q4 202453
Q1 202562
Q2 202573
Q3 202566
Q4 202562
Q1 202649
Q2 202647
Tier 1 leverage ratio
5.00%9.61%14.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.22%
Q3 202413.98%
Q4 202412.08%
Q1 202512.90%
Q2 202513.21%
Q3 202513.42%
Q4 202513.28%
Q1 202612.81%
Q2 202612.78%
Noncurrent loans
0.40%1.77%3.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.15%
Q3 20241.58%
Q4 20241.37%
Q1 20251.36%
Q2 20250.40%
Q3 20251.29%
Q4 20251.69%
Q1 20262.87%
Q2 20263.15%
Return on assets
-0.35%0.27%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.51%
Q4 2024-0.35%
Q1 20250.55%
Q2 20250.74%
Q3 20250.81%
Q4 20250.82%
Q1 20260.85%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$2.2B12.78%3.15%0.90%99.5%
Q1 202649$2.2B12.81%2.87%0.85%96.3%
Q4 202562$2.2B13.28%1.69%0.82%96.8%
Q3 202566$2.1B13.42%1.29%0.81%98.4%
Q2 202573$2.1B13.21%0.40%0.74%98.0%
Q1 202562$2.2B12.90%1.36%0.55%94.7%
Q4 202453$2.2B12.08%1.37%-0.35%94.6%
Q3 202464$2.2B13.98%1.58%0.51%93.7%
Q2 202469$2.1B14.22%1.15%0.68%101.2%

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).

Capital ratio12.78%
83rd
Total risk-based capital15.14%
68th
Problem loans3.15%
4th
Net charge-offs0.03%
55th
Return on assets0.90%
24th
Net interest margin3.63%
45th
Efficiency ratio65.0%
32nd
Loans to deposits99.5%
16th
Uninsured deposits27.8%
59th
Loan-loss reserves0.99%
30th
Texas ratio20.8%
4th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Chain Bridge Bank, National AssociationBank Mclean, VA74 out of 100, Strong$2.2B9.1%0.00%vs
Blue Ridge Bank, National AssociationBank Martinsville, VA49 out of 100, Below average$2.3B11.2%1.68%vs
FVCbankBank Fairfax, VA73 out of 100, Strong$2.4B12.9%0.59%vs
John Marshall BankBank Reston, VA76 out of 100, Strong$2.4B12.9%0.01%vs
First BankBank Strasburg, VA67 out of 100, Moderate$2.1B9.4%0.32%vs
Bank Of ClarkeBank Berryville, VA67 out of 100, Moderate$1.8B12.3%1.07%vs

Deposit insurance

Is my money safe at MainStreet Bank?

Yes. MainStreet Bank is an FDIC-insured institution (FDIC certificate #57742). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($539.2M) 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 12.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.14% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

MainStreet Bank lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, MainStreet Bank reported 89 home-loan applications under HMDA (LEI 254900SOAE0WU8JM0177): 63 originated ($82,255,000 total), 12 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
MainStreet Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57742
RSSD ID
3248849
Primary regulator
FED
Holding company
Mainstreet Bancshares Inc
Established
May 26, 2004
Headquarters
10089 Fairfax Blvd, Fairfax, VA 22030
Employees
166

Quick answers

MainStreet Bank: common questions

Is MainStreet Bank FDIC insured?

Yes. MainStreet Bank is an FDIC-insured institution (FDIC certificate #57742). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is MainStreet Bank's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has MainStreet Bank ever failed?

There is no failure record for FDIC certificate #57742 in the FDIC failed bank list.

How many branches does MainStreet Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

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