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This institution is no longer active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%

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%

ROE

10.08%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate7.99%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202472682.64%7.99%
202327984.59%4.30%
202235282.67%10.23%
202141584.58%4.34%
202035886.87%6.70%
201929782.49%10.44%
201832485.19%4.32%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating 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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