This institution is no longer active

Operations ceased on May 31, 2024. CRA examination history below reflects the period it was active.

MAIN STREET BANK CORP.

WHEELING, WV · Supervised by FDIC

Est. 2001FDIC #57,162RSSD: FDIC-57162

Part ofMAIN STREET FINL SERVICES CORP→ View all charters

Satisfactory Same

Current rating · Exam: May 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.97%

Is this bank safe?

MAIN STREET BANK CORP. holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.97%).

Institution Profile

FDIC BankFind

Address

2001 Main St, WHEELING, WV

County

Ohio County

Established

June 20, 2001

Total Assets

$603M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2024Call Report / FDIC

Total Assets

$603M

Total Deposits

$476M

Net Loans

$430M

Net Income

$1M

ROA

0.97%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.08%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.97%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.99%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	726	82.64%	7.99%
2020	358	86.87%	6.70%
2019	297	82.49%	10.44%
2018	324	85.19%	4.32%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2024	Satisfactory	Intermediate Small Bank
Oct 2020	Satisfactory	Intermediate Small Bank
May 2018	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2003

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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