TellerScore

Mainstreet Community Bank of Florida is a state-chartered bank headquartered in Deland, Florida, in business for about 23 years. At the end of Q2 2026 it reported $953.4M in total assets and $863.2M in deposits, with 9 offices.

Based on its Q2 2026 filing, Mainstreet Community Bank of Florida scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 72nd. Its strongest component is problem-loan coverage (74/100; 12.9%), and its lowest is capital cushion (44/100; 9.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.45%
Loan quality58/100
Noncurrent loans ÷ total loans: 1.27%
Earnings63/100
Return on assets (annualized): 1.06%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 83.8% · 35.6% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.90%

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 rose 3 points (53 → 56), mostly because the earnings component improved by 18 points.

TellerScore
475358Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202455
Q4 202455
Q1 202558
Q2 202553
Q3 202547
Q4 202552
Q1 202654
Q2 202656
Tier 1 leverage ratio
5.00%7.22%9.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.97%
Q3 20248.86%
Q4 20249.04%
Q1 20259.09%
Q2 20258.92%
Q3 20258.88%
Q4 20259.10%
Q1 20269.35%
Q2 20269.45%
Noncurrent loans
1.04%1.56%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.17%
Q3 20241.09%
Q4 20241.10%
Q1 20251.04%
Q2 20251.31%
Q3 20252.07%
Q4 20251.42%
Q1 20261.36%
Q2 20261.27%
Return on assets
0.52%0.79%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.62%
Q4 20240.67%
Q1 20250.86%
Q2 20250.62%
Q3 20250.79%
Q4 20250.80%
Q1 20260.90%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$953.4M9.45%1.27%1.06%83.8%
Q1 202654$948.0M9.35%1.36%0.90%79.8%
Q4 202552$911.1M9.10%1.42%0.80%80.5%
Q3 202547$928.6M8.88%2.07%0.79%71.8%
Q2 202553$885.3M8.92%1.31%0.62%75.0%
Q1 202558$864.5M9.09%1.04%0.86%77.0%
Q4 202455$832.2M9.04%1.10%0.67%78.6%
Q3 202455$839.2M8.86%1.09%0.62%77.7%
Q2 202454$807.3M8.97%1.17%0.52%74.7%

2,650 peers · $100 million – $1 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 ratio9.45%
20th
Total risk-based capital0.00%
24th
Problem loans1.27%
22nd
Net charge-offs-0.01%
88th
Return on assets1.06%
38th
Net interest margin3.81%
43rd
Efficiency ratio61.9%
51st
Loans to deposits83.8%
41st
Uninsured deposits35.6%
16th
Loan-loss reserves1.22%
53rd
Texas ratio12.9%
13th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Sanibel Captiva Community BankBank Sanibel, FL68 out of 100, Moderate$976.2M9.9%0.67%vs
Terrabank, National AssociationBank Coral Gables, FL65 out of 100, Moderate$897.7M9.8%0.11%vs
United Southern BankBank Umatilla, FL76 out of 100, Strong$843.0M10.8%0.44%vs
First BankBank Clewiston, FL71 out of 100, Strong$810.5M9.7%0.31%vs
Anchor BankBank Palm Beach Gardens, FL75 out of 100, Strong$805.5M8.8%0.15%vs
Flagship BankBank Clearwater, FL72 out of 100, Strong$802.8M11.7%0.02%vs

Deposit insurance

Is my money safe at Mainstreet Community Bank of Florida?

Yes. Mainstreet Community Bank of Florida is an FDIC-insured institution (FDIC certificate #57598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.6% of deposits ($307.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Mainstreet Community Bank of Florida lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mainstreet Community Bank of Florida reported 158 home-loan applications under HMDA (LEI 5493001LOTO6OW0LKT63): 93 originated ($44,075,000 total), 38 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.6%, 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 Community Bank of Florida
Type
State-chartered bank
FDIC certificate #
57598
RSSD ID
3217957
Primary regulator
FDIC
Holding company
Northstar Financial Group Inc
Established
October 24, 2003
Headquarters
204 S Woodland Blvd, Deland, FL 32720
Employees
108

Quick answers

Mainstreet Community Bank of Florida: common questions

Is Mainstreet Community Bank of Florida FDIC insured?

Yes. Mainstreet Community Bank of Florida is an FDIC-insured institution (FDIC certificate #57598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mainstreet Community Bank of Florida's TellerScore?

56 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 Mainstreet Community Bank of Florida ever failed?

There is no failure record for FDIC certificate #57598 in the FDIC failed bank list.

How many branches does Mainstreet Community Bank of Florida have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Deland

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Surety BankBank Deland, FL90 out of 100, Very strong$213.7M13.2%0.22%vs
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
The First National Bank of Mount DoraBank Mount Dora, FL77 out of 100, Strong$358.0M12.3%0.41%vs
United Southern BankBank Umatilla, FL76 out of 100, Strong$843.0M10.8%0.44%vs