MIDDLEFIELD BANKING COMPANY, THE

MIDDLEFIELD, OH | Large | RSSD #177920
Latest Report: 2025-12-31

MIDDLEFIELD BANKING COMPANY, THE is aln large FDIC-insured commercial bank headquartered in MIDDLEFIELD, OH. As of 2025-12-31, the bank reported total assets of $1.9B and total deposits of $1.5B. Profitability stands at 1.30% ROA and 10.90% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 13.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.07% and a Texas Ratio of 6.62%.

Assets

$1.9B

Deposits

$1.5B

Loans

$1.6B

Equity

$234M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 10.90%
Net Interest Margin (NIM) 3.91%
Yield on Assets 6.04%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 1.07%
Net Charge-Off Ratio -0.03%
Texas Ratio 6.62%
NPA Ratio 0.90%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 13.78%
Tier 1 Capital 13.78%
Total Capital Ratio 15.03%
Leverage Ratio 11.02%
Loan-to-Deposit 107.57%

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