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Overview / Commentary
2001 Main Street, Suite 100
Wheeling, WV 26003

Main Street Bank Corp. is headquartered in Wheeling and is the 15st largest bank in the state of West Virginia. It is also the 2,094th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 54 employees at 4 locations. Main Street Bank Corp.'s money market rates are 14% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Main Street Bank Corp. had $5.58 million in non-current loans and owned real-estate with $29.22 million in equity and loan loss allowances on hand to cover it. This gives Main Street Bank Corp. a Texas Ratio of 19.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Main Street Bank Corp. decreased slightly from 25.80% as of March 31, 2013 to 19.10% as of March 31, 2014, resulting in a positive change of 25.95%.This indicates that the balance sheet and financial strength for Main Street Bank Corp. has improved slightly in recent periods.

Deposit Growth


In the past year, Main Street Bank Corp. has increased its total deposits by $29.09 million, resulting in 12.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Main Street Bank Corp. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Main Street Bank Corp. has $313.97 million in assets with $29.22 million in equity, resulting in a capitalization level of 9.31%, which is average.

Institution Statistics

FDIC Certificate #57162
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$313.97 million
Loans$243.71 million
Deposits$267.97 million
Equity Capital$25.90 million
Loan Loss Allowance$3.32 million
Unbacked Noncurrent Loans$4.33 million
Real Estate Owned$1.25 million
Historic Data - March 2013
Assets$279.18 million
Equity Capital$23.62 million
Loan Loss Allowance$3.10 million
Unbacked Noncurrent Loans$4.33 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.07%
Return on Equity13%
Interest Income$3.46 million

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Main Street Bank Corp. Savings Account Rates

0.50%$25-Business Savings
0.50%--Christmas Club
0.50%$25-Non-Profit Savings

Main Street Bank Corp. Money Market Rates

0.50%$25k$100kMoney Market
0.50%$25k-Business Money Market
0.50%$25k-Non-Profit Money Market

Main Street Bank Corp. Checking Account Rates

0.25%$500-Checking Interest
0.25%$500-Non-Profit Checking Interest

Main Street Bank Corp. CD Rates

1.10%$1k-60 Month CD
1.10%$1k-Business 60 Month CD
1.10%$1k-Non-Profit 60 Month CD
0.75%$1k-30 Month CD
0.75%$1k-36 Month CD
0.75%$1k-48 Month CD
0.75%$1k-Business 30 Month CD
0.75%$1k-Business 36 Month CD
0.75%$1k-Business 48 Month CD
0.75%$1k-Non-Profit 30 Month CD
0.75%$1k-Non-Profit 36 Month CD
0.75%$1k-Non-Profit 48 Month CD
0.50%$1k-3 Month CD
0.50%$1k-6 Month CD
0.50%$1k-9 Month CD
0.50%$1k-12 Month CD
0.50%$1k-18 Month CD
0.50%$1k-24 Month CD
0.50%$1k-Business 3 Month CD
0.50%$1k-Business 6 Month CD
0.50%$1k-Business 9 Month CD
0.50%$1k-Business 12 Month CD
0.50%$1k-Business 18 Month CD
0.50%$1k-Business 24 Month CD
0.50%$1k-Non-Profit 3 Month CD
0.50%$1k-Non-Profit 6 Month CD
0.50%$1k-Non-Profit 9 Month CD
0.50%$1k-Non-Profit 12 Month CD
0.50%$1k-Non-Profit 18 Month CD
0.50%$1k-Non-Profit 24 Month CD

Main Street Bank Corp. Locations
Wellsburg Branch1010 Commerce StreetWellsburg, WV 26070
Moundsville Branch112 North Lafayette AvenueMoundsville, WV 26041
Main Street Bank Corp.2001 Main Street, Suite 100Wheeling, WV 26003
Elm Grove Branch2088 National RoadWheeling, WV 26003