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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Mainstreet Community Bank of Florida

Deland, Florida · $953M in assets · beside the 11 other Florida banks between $300M and $1B

The filing

1.27%
NPA / loans
12th of 12
1.0x
Coverage of noncurrent
10th of 10
+19.2%
Loans, year over year
2nd of 12, largest first

Mainstreet Community Bank of Florida is the second largest of the 12 Florida banks nearest its size between $300M and $1B, with $953M in assets at 30 June 2026. Loans are 84.9% of deposits, 9th of 12 against a median of 77.5%, and equity is 8.8% of assets, 8th of 12. Loans grew +19.2% in the year, 2nd of 12, and deposits grew 6.7%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 1.27% of the book, the highest in the cohort against a median of 0.13%; 0.00% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 36.1% of loans, 5th of 12 against a median of 43.0%, and 292% of capital, below the 300% screen, with construction at 97% against the 100% screen. CRE has grown +72.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.04%, 7th of 12 against a median of 1.12%, on an efficiency ratio of 61.9%, 8th of 12. Five years ago it was 1.00%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.13% FB FNBT Bank 0.00% SB Sunstate Bank 0.00% FB Flagship Bank 0.02% AB Axiom Bank National Association 0.06% SB Sunrise Bank 0.10% TN Terrabank National Association 0.11% AB Anchor Bank 0.15% FC Florida Capital Bank N.A. 0.16% FB First Bank 0.31% US United Southern Bank 0.44% SC Sanibel Captiva Community Bank 0.67% MC Mainstreet Community Bank of Florida 1.27%
Loans, year over yearFL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.6% AB Anchor Bank +33.0% MC Mainstreet Community Bank of Florida +19.2% TN Terrabank National Association +16.1% FB Flagship Bank +12.4% US United Southern Bank +10.6% SB Sunrise Bank +7.4% FC Florida Capital Bank N.A. +5.7% FB First Bank +5.5% SB Sunstate Bank +1.9% SC Sanibel Captiva Community Bank -3.9% FB FNBT Bank -7.5% AB Axiom Bank National Association -9.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, Mainstreet Community among them; owner-occupied excluded; bold marks a screen met
Mainstreet CommunityRankCohort median
Total CRE against capital, the 300% screen292%8th of 12242%
Construction against capital, the 100% screen97%12th of 1253%
Construction and land development, share of loans12.0%11th of 127.3%
Non-owner-occupied nonfarm nonresidential, share of loans21.8%5th of 1229.8%
Total CRE, the guidance definition, share of loans36.1%5th of 1243.0%
CRE growth over 36 months, the third prong+72.0%11th of 12+41.3%
Commercial real estate against capital, the 300% screenFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 242% FB FNBT Bank 135% FB First Bank 168% AB Axiom Bank National Association 171% SC Sanibel Captiva Community Bank 197% US United Southern Bank 224% FC Florida Capital Bank N.A. 228% SB Sunstate Bank 257% MC Mainstreet Community Bank of Florida 292% AB Anchor Bank 345% TN Terrabank National Association 372% SB Sunrise Bank 387% FB Flagship Bank 419%
CRE growth over 36 months, the guidance's third prongFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +41.3% FB FNBT Bank -10.7% US United Southern Bank +4.8% AB Axiom Bank National Association +10.9% SC Sanibel Captiva Community Bank +14.1% SB Sunrise Bank +22.7% TN Terrabank National Association +38.5% SB Sunstate Bank +44.1% FB Flagship Bank +48.4% FB First Bank +51.1% FC Florida Capital Bank N.A. +53.8% MC Mainstreet Community Bank of Florida +72.0% AB Anchor Bank +137.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Sanibel Captiva Community Bank$976M1.9%49.1%0.67%0.17%1.0%103.7%9.9%
Mainstreet Community Bank of Florida$953M1.0%61.9%1.27%-0.01%1.2%84.9%8.8%
Terrabank National Association$898M0.7%73.4%0.11%0.00%1.4%76.5%8.7%
United Southern Bank$843M1.2%61.7%0.44%0.02%2.0%61.1%7.6%
First Bank$811M1.5%56.0%0.31%0.00%1.7%69.0%9.6%
Anchor Bank$806M3.2%33.9%0.15%0.00%0.7%74.5%8.3%
Flagship Bank$803M1.0%60.3%0.02%0.01%1.0%94.0%12.2%
Axiom Bank National Association$732M0.2%112.3%0.06%0.00%0.9%78.5%12.2%
Florida Capital Bank N.A.$713M0.9%74.4%0.16%0.00%1.2%84.5%9.8%
FNBT Bank$629M1.5%60.1%0.00%-0.08%1.5%43.7%11.3%
Sunrise Bank$623M1.3%59.8%0.10%0.00%1.2%92.6%8.5%
Sunstate Bank$580M1.0%72.3%0.00%0.00%0.9%68.0%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mainstreet CommunityCohort median
20212026Change20212026Change
Loans$460M$733M+59%$297M$503M+69%
Deposits$672M$863M+28%$523M$663M+27%
NPA / loans0.23%1.27%+1.04 pts0.16%0.13%-0.03 pts
Efficiency61.5%61.9%+0.5 pts75.5%61.0%-14.4 pts
ROA1.00%1.04%+0.04 pts0.70%1.12%+0.41 pts

This read was prepared for Mainstreet Community Bank of Florida's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Mainstreet Community Bank of Florida is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $300M to $1B
Institution www.bankonmainstreet.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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