MIDLAND COMMUNITY BANK

KINCAID, IL | Micro | Est. March 29, 1968, midnight | FDIC #19796 | RSSD #822631 | FDIC
Latest Report: 2025-12-31

MIDLAND COMMUNITY BANK is amn micro FDIC-insured commercial bank headquartered in KINCAID, IL, established in March 29, 1968, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $58M. Profitability stands at 0.17% ROA and 1.10% ROE, with a net interest margin of -7.92%. The bank's CET1 capital ratio is 15.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 0.77%. FDIC Certificate #19796. The institution operates 1 domestic branch.

Assets

$70M

Deposits

$58M

Loans

$37M

Equity

$12M

Profitability

Return on Assets (ROA) 0.17%
Return on Equity (ROE) 1.10%
Net Interest Margin (NIM) -7.92%
Yield on Assets -10.58%
Cost of Funds -3.51%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio --
Texas Ratio 0.77%
NPA Ratio 0.13%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 15.89%
Tier 1 Capital 15.89%
Total Capital Ratio 16.44%
Leverage Ratio 11.06%
Loan-to-Deposit 64.73%

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