MIDDLETOWN STATE BANK

MIDDLETOWN, IL | Micro | Est. June 5, 1917, midnight | FDIC #10463 | RSSD #770545 | FDIC
Latest Report: 2025-12-31

MIDDLETOWN STATE BANK is amn micro FDIC-insured commercial bank headquartered in MIDDLETOWN, IL, established in June 5, 1917, midnight. As of 2025-12-31, the bank reported total assets of $46M and total deposits of $38M. Profitability stands at 1.27% ROA and 10.00% ROE, with a net interest margin of 4.78%. The bank's CET1 capital ratio is 13.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10463.

Assets

$46M

Deposits

$38M

Loans

$33M

Equity

$6M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 10.00%
Net Interest Margin (NIM) 4.78%
Yield on Assets 6.59%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.81%

Capital & Liquidity

CET1 Ratio 13.86%
Tier 1 Capital 13.86%
Total Capital Ratio 14.88%
Leverage Ratio 9.09%
Loan-to-Deposit 85.46%

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