Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

MAIN STREET BANK

FDIC #90235 · MA · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,004,678-2.83% YoY

Total deposits824,813-4.55% YoY

Net loans and leases740,862-6.48% YoY

Return on assets0.63%-28.72% YoY

Return on equity5.58%-26.19% YoY

Net interest margin3.51%+1.59% YoY

Peer position

Return on assets11thopportunity · n=902

Return on equity11thopportunity · n=894

Net interest margin16thopportunity · n=902

Equity to assets60thin line · n=894

Noncurrent loans12thopportunity · n=887

Liquid assets51stin line · n=895

Brokered deposits25thopportunity · n=890

Loans to deposits45thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2017-12-31	1,004,678	824,813	740,862	0.63	5.58	3.51
2018-06-30	1,007,951	842,387	764,636	0.69	5.91	3.34
2018-09-30	1,028,957	858,674	777,890	0.67	5.82	3.40
2018-12-31	1,031,589	867,837	796,379	0.63	5.43	3.43
2019-03-31	1,033,926	864,124	792,226	0.88	7.56	3.45
2019-06-30	1,034,692	862,788	800,747	0.55	4.68	3.41
2019-09-30	1,032,828	823,490	818,548	0.57	4.82	3.47
2019-12-31	1,016,156	805,573	808,190	0.51	4.29	3.49
2020-03-31	1,058,441	815,000	817,590	-0.14	-1.14	3.48
2020-06-30	1,186,429	930,486	914,235	0.37	3.14	3.38
2020-09-30	1,192,676	969,143	913,899	0.45	3.90	3.32
2020-12-31	1,220,811	1,008,723	922,012	0.61	5.31	3.28
2021-03-31	1,231,672	1,030,010	922,863	0.91	8.35	3.33
2021-06-30	1,296,559	1,101,031	928,195	0.77	7.12	3.24
2021-09-30	1,317,892	1,122,226	916,282	0.71	6.65	3.25
2021-12-31	1,429,127	1,232,540	971,406	0.66	6.15	3.18
2022-03-31	1,360,112	1,178,394	962,110	0.62	5.82	3.00
2022-06-30	1,369,279	1,193,664	987,538	0.58	5.56	3.11
2022-09-30	1,420,647	1,242,889	1,061,034	0.70	6.91	3.23
2022-12-31	1,463,645	1,251,676	1,092,993	0.73	7.27	3.24
2023-03-31	1,500,433	1,254,539	1,144,694	0.50	5.36	3.10
2023-06-30	1,605,143	1,282,190	1,239,733	0.41	4.44	2.95
2023-09-30	1,690,614	1,382,706	1,344,118	0.40	4.48	2.86
2023-12-31	1,727,511	1,428,647	1,391,883	0.39	4.42	2.83
2024-03-31	1,664,608	1,377,194	1,332,475	0.16	1.84	2.61
2024-06-30	1,625,112	1,356,026	1,336,014	0.33	3.82	2.65
2024-09-30	1,626,150	1,290,428	1,334,644	0.43	4.79	2.65
2024-12-31	1,614,159	1,308,878	1,342,083	0.49	5.47	2.63
2025-03-31	1,627,695	1,370,450	1,328,578	0.71	7.41	2.78
2025-06-30	1,688,610	1,427,178	1,311,859	0.66	6.94	2.76
2025-09-30	1,656,354	1,343,939	1,306,016	0.70	7.16	2.83
2025-12-31	1,671,068	1,322,610	1,287,695	0.63	6.38	2.91
2026-03-31	1,612,083	1,344,536	1,269,437	0.53	4.86	3.01
2026-06-30	1,665,454	1,393,439	1,243,692	0.63	5.73	3.01

Structure and branch footprint

6 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2017-04-01	1	317100	818401

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.