MainStreet Bank


10089 Fairfax Blvd
Fairfax, VA 22030
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Notable Rates APY Vs.Others
Savings 0.75% 5.55% →
1-Year CD 0.80% 5.41% →
2-Year CD 0.80% 5.25% →
5-Year CD 1.05% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

MainStreet Bank is an FDIC insured institution located in Fairfax, VA. It was founded in 2004 and has approximately $2.03 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 57742
Date Established 2004
Assets $ 2.03 billion
Loans $ 1,705.14 million
Deposits $ 1,689.74 million
Capital $ 287.08 million

For a more detailed analysis of MainStreet Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.75% $1 $15,000 Learn More
Money Market
0.10% $1 $24,999 Learn More
Money Market
0.20% $25,000 $49,999 Learn More
6 Mo CD
0.75% $500 - Learn More
12 Mo CD
0.80% $500 - Learn More
24 Mo CD
0.80% $500 - Learn More
36 Mo CD
0.80% $500 - Learn More
48 Mo CD
0.95% $500 - Learn More
60 Mo CD
1.05% $500 - Learn More

Online Only Savings Rates of AirBanking

Online Savings Rates APY MIN MAX
0.25% $1,000 - Learn More

Online Only CD Rates of AirBanking

Online CD Rates APY MIN MAX
12-Month Online CD
0.30% $500 - Learn More
24 Month Online CD
0.40% $500 - Learn More
48 Month Online CD
0.50% $500 - Learn More
60-Month Online CD
0.50% $500 - Learn More

Bank Online Offers

Loan Rates - May 24, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MainStreet Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
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Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
7.073% 6.990%
0.63 points
$2,697 fees
$2,127 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375%
0.75 points
$2,400 fees
$2,211 Learn More
Neighbors Bank
NMLS ID: 491986

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Veterans United Home Loans
NMLS ID: 1907

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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to MainStreet Bank
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Climate Policy and Initiatives

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Financial Details

MainStreet Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of MainStreet Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
MainStreet Bank U.S. Bank Average
0.33% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, MainStreet Bank had $1,004,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $287,075,000 in equity and $16,507,000 in loans loss reserves. That gives it a Texas Ratio of 0.33%.

Return on Equity
MainStreet Bank U.S. Bank Average
10.51% 12.20%

MainStreet Bank has a Return on Equity of 10.51% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

MainStreet Bank U.S. Bank Average
14.13% 10.76%

MainStreet Bank has a Capitalization of 14.13% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

MainStreet Bank Balance Sheet Analysis

As of December 31, 2023, MainStreet Bank had assets of $2,031,131,000, loans of $1,705,137,000, and deposits of $1,689,743,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 114.51 million
Interest-bearing balances $ 94.71 million
Total securities $ 74.70 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,705.14 million
Loan loss allowance $ 16.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 95.14 million
     Total Assets $ 1,744.06 million
Total deposits $ 1,689.74 million
      Interest-bearing deposits $ 1,319.93 million
      Deposits held in domestic offices $ 1,689.74 million
      % insured (estimated) 77.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 34.06 million
      Total Liabilities $ 1,744.06 million
      Shareholders’ Equity $ 287.08 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 124.42 million
Total Interest Expense $ 44.89 million
Net interest income $ 79.53 million
Provision for loan and lease losses $ 1.64 million
Total non interest income $ 3.59 million
Total non interest expense $ 45.08 million
Pre-tax Net Operating Income $ 15.29 million

Bank Loan Profile?

The top three loan types in MainStreet Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Multifamily Mortgages.

Compared to other banks in Virginia, MainStreet Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.71
Credit Card Loans 0.00
Consumer Auto Loans 0.82
Small Business Loans 3.74
Construction and Development Loans 21.00
Commercial Real Estate 35.47
Commercial and Industrial Loans 5.13
Farm Loans 0.00

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