This institution is no longer active

Operations ceased on October 10, 2008. CRA examination history below reflects the period it was active.

MAIN STREET BANK

NORTHVILLE, MI · Supervised by FDIC

Est. 2004FDIC #57,654RSSD: FDIC-57654

Part ofMAIN STREET BCORP INC→ View all charters

Satisfactory

Current rating · Exam: July 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -10.29%

Institution Profile

FDIC BankFind

Address

133 West Main St, NORTHVILLE, MI

County

Wayne County

Established

March 1, 2004

Total Assets

$112M(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

July 1, 2006

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2008Call Report / FDIC

Total Assets

$112M

Total Deposits

$99M

Net Loans

$91M

Net Income

$-6,537K

ROA

-10.29%

ROE

-221.22%

Risk-Based Capital

4.20%

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 Rate12.61%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	333	73.27%	12.61%
2023	658	70.97%	10.94%
2022	724	73.2%	8.98%
2021	718	74.51%	5.43%
2020	3,813	83.82%	5.32%
2019	1,979	81.35%	6.52%
2018	1,592	80.4%	6.53%

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

This is the only examination on record for this bank.

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