What are the current interest rates at Main Street Bank?

Current rates for Main Street Bank include: 12-Month CD: 0.30%, 18-Month CD: 0.30%, 24-Month CD: 0.30%, 36-Month CD: 0.50%, 48-Month CD: 0.50%, 60-Month CD: 0.50%, Savings: 0.20%, MMA: 3.75%

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Main Street Bank Rates & Review October 2026

Q: How many branches does Main Street Bank operate?

Main Street Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Main Street Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Main Street Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Main Street Bank's top rates as of October 12, 2026 are 0.50% APY on its 3 Year Certificate, 0.20% APY on savings, 3.75% APY on money market accounts, 6.00% APY on checking, 6.625% on its 15 Year Fixed mortgage, and rv, boat and powersport loans from 8.28% APR, according to rates verified by MonitorBankRates. Other Main Street Bank CD rates include 4 Year Certificate at 0.50%, 5 Year Certificate at 0.50%, and 1 Year Certificate at 0.30%. Other Main Street Bank mortgage rates include 20 Year Fixed at 7.00%, 30 Year Fixed at 7.25%, and 30 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Main Street Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.62%. Rates last updated and verified on 10/12/2026.

Main Street Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Main Street Bank? Share your experience about Main Street Bank by leaving a review below, or read customer reviews before you decide to use Main Street Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.62%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Main Street Bank Corp.

151 N Market St
Wooster, OH 44691

https://www.waynesavings.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Main Street Bank CD Rates

Product	Rate	APY	Term
3 Year Certificate	0.50%	0.50%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
4 Year Certificate	0.50%	0.50%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
5 Year Certificate	0.50%	0.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
1 Year Certificate	0.30%	0.30%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
18 Month Certificate	0.30%	0.30%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
182 Day Certificate	0.30%	0.30%	182 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
2 Year Certificate	0.30%	0.30%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Savings Rates

Product	Rate	APY
Health Savings Accounts	0.20%	0.20%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Health Savings Accounts	0.20%	0.20%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Statement Savings	0.10%	0.10%
Min Deposit $200 Min Balance $100 Details Balance: $100-$2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Statement Savings	0.10%	0.10%
Min Deposit $200 Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Christmas Club Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Health Savings Accounts	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100-$2,499 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Health Savings Accounts	0.05%	0.05%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500-$4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
IRA Statement Savings	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Student Savings	0.05%	0.05%
Min Deposit $5 Min Balance $10 Details Balance: $10-$2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Student Savings	0.05%	0.05%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Business Savings Rates

Product	Rate	APY
Business Statement Savings	0.10%	0.10%
Min Deposit $200 Min Balance $100 Details Balance: $100 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Statement Savings	0.10%	0.10%
Min Deposit $200 Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Money Market Rates

Product	Rate	APY
Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000-$999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Maximize Money Market	0.30%	0.30%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.00-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Money Market Investor	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Money Market Investor	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Money Market Investor	0.05%	0.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Business Money Market Rates

Product	Rate	APY
Business Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000-$999,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Maximize Money Market	3.69%	3.75%
Min Deposit $25,000 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Maximize Money Market	0.30%	0.30%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.00-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Money Market Investor	0.245%	0.25%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Money Market Investor	0.195%	0.20%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Money Market Investor	0.165%	0.17%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Money Market Investor	0.145%	0.15%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Checking Rates

Product	Rate	APY
Impact Checking	5.84%	6.00%
Min Deposit $100 Min Balance $0 Details Balance: $0-$10,000.00; Balance: $10,000.01 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 6.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Personal Platinum Checking	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0-$499,999.99; Balance: $500,000.00+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Personal Platinum Checking	0.25%	0.25%
Min Deposit $100 Min Balance $500,000 Details Balance: $0-$499,999.99; Balance: $500,000.00+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Impact Checking	0.22%	0.22%
Min Deposit $100 Min Balance $10,000 Details Balance: $0-$10,000.00; Balance: $10,000.01 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.22% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Senior Checking	0.01%	0.01%
Min Deposit $50 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Business Checking Rates

Product	Rate	APY
Business Non-Profit Checking	0.05%	0.05%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Business Non-Profit Checking	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed	6.625%	0.250%	6.981%
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.60% → 6.98% ▲ 0.38 pts · high 6.98% / low 6.60% Oct 12, 20266.98%▲ from 6.88% Oct 3, 20266.88%▼ from 6.98% Oct 1, 20266.98%▲ from 6.96% Sep 28, 20266.96%▲ from 6.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
20 Year Fixed	7.00%	0.125%	7.289%
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.09% → 7.29% ▲ 0.20 pts · high 7.53% / low 7.09% Oct 12, 20267.29%▼ from 7.37% Oct 3, 20267.37%▼ from 7.53% Oct 1, 20267.53%▲ from 7.37% Sep 28, 20267.37%▲ from 7.29% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
30 Year Fixed	7.25%	0.250%	7.475%
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.40% → 7.48% ▲ 0.08 pts · high 7.69% / low 7.40% Oct 12, 20267.48%▲ from 7.40% Oct 3, 20267.40%▼ from 7.59% Oct 1, 20267.59%▼ from 7.69% Sep 28, 20267.69%▲ from 7.62% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
30 Year Fixed	7.50%	0.250%	7.764%
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.40% → 7.76% ▲ 0.37 pts · high 7.76% / low 7.40% Oct 12, 20267.76%▲ from 7.69% Oct 3, 20267.69%▲ from 7.59% Oct 1, 20267.59%▼ from 7.69% Sep 28, 20267.69%▲ from 7.62% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Installment Loan 1st Lien	6.50%	-	6.65%
Details Credit Score: 751 and Above; LTV: 80% and Less Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.50% → 6.65% ▲ 0.15 pts · high 6.65% / low 6.50% Oct 8, 20266.65%▲ from 6.50% Sep 16, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Home Equity Installment Loan 2nd Lien	7.00%	-	7.06%
Details Credit Score: 751 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.06% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Home Equity Installment Loan 2nd Lien	6.75%	-	7.31%
Details Credit Score: 751 and above; LTV: 80.01% - 89% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.31% / low 7.06% Sep 24, 20267.31%▲ from 7.06% Sep 16, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV and Trailers Loan	7.75%	8.28%	84 - 48 Months
Details Published APR range: 8.280%- 10.390%; Published rate range: 7.750%- 9.500%. Credit Score Tiers: 751 and above; Loan Amount Tiers: $5,000 - $100,000; Model Year: 2026 - 2016 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.28% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycle Loan	8.25%	9.13%	72 - 48 Months
Details Published APR range: 9.130%- 10.620%; Published rate range: 8.250% - 10.000%. Credit Score Tiers: 751 and above; Model Year: 2026 - 2016 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Boats Loan	9.75%	10.37%	72 - 48 Months
Details Published APR range: 10.370% -12.400%; Published rate range: 9.750% - 11.500%. Credit Score Tiers: 751 and above; Model Year: 2026 - 2016 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.37% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Main Street Bank Other Rates

Product	Rate	Points	APY/APR	Term
Model Year 2026 (never been titled) Loan	6.25%	-	6.64%	84 Months
Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Model Years 2025 - 2016 Loan	6.25%	-	6.69%	72 - 48 months
Details Published APR range: 6.690% - 6.900%. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Main Street Bank’s Texas Ratio rose from 1.67% in Q3 2023 to 5.62% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	5.62%	5.0	A+
March 31, 2026	$1.5B	4.40%	5.0	A+
December 31, 2025	$1.5B	3.87%	5.0	A+
September 30, 2025	$1.5B	3.91%	5.0	A+
June 30, 2025	$1.4B	3.97%	5.0	A+
March 31, 2025	$1.4B	4.16%	5.0	A+
December 31, 2024	$1.4B	4.85%	5.0	A+
September 30, 2024	$1.4B	4.39%	5.0	A+
June 30, 2024	$1.4B	3.88%	5.0	A+
March 31, 2024	$819M	1.07%	4.5	A
December 31, 2023	$811M	1.21%	4.5	A
September 30, 2023	$800M	1.67%	3.9	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Main Street Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Main Street Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Main Street Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Main Street Bank

Bank Holding Company MAIN STREET FINL SERVICES CORP

Address 151 N Market St, Wooster, OH 44691 · Wayne

Website https://www.waynesavings.com

FDIC Certificate # 29847

Established 18990101

FDIC Insurance Date 19890809

Domestic Offices 21

Total Branches 21

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.62%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4914%

Return on Equity (ROE) 15.4600%

Non-Performing Loans (NPL) 0.55%

Total Assets $1,553,716,000

Total Deposits $1,388,978,000

Equity Capital $151,331,000

Net Income $11,372,000

Headquarters Wooster

Total Branches and Offices 21

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Main Street Bank earned the Verified Healthy badge

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Frequently Asked Questions About Main Street Bank

How many branches does Main Street Bank operate?

Main Street Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Main Street Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Main Street Bank provides members with tools to manage their accounts and build a solid financial history.

Does Main Street Bank offer online and mobile banking?

Most modern institutions like Main Street Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.waynesavings.com.