Midland Community Bank

Overview / Commentary
112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in KINCAID and is the 305th largest bank in the state of Illinois. It is also the 4,148th largest bank in the nation. It was established in 1968 and as of September of 2023, it had grown to 12 employees at 2 locations. Midland Community Bank's money market rates are 59% higher than the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Midland Community Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #19796
Year Established1968
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD9.53%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$71.5MM$106.6MM
LoansQ3 2023vs Q3 2022$46.8MM$51.1MM
DepositsQ3 2023vs Q3 2022$63.1MM$99MM
Equity CapitalQ3 2023vs Q3 2022$7.8MM$7.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$314K$282K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$612K$553K
Real Estate OwnedQ3 2023vs Q3 2022$0$20K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Midland Community Bank Savings Account Rates

0.30%*$50k*-Regular Savings
OTHER TIERS: 0.20% $100 - $25k | 0.25% $25k - $50k
0.30%*$50k*-Junior Savings
OTHER TIERS: 0.20% $100 - $25k | 0.25% $25k - $50k

Midland Community Bank Money Market Rates

0.70%*$100k*-Money Market
OTHER TIERS: 0.40% $2.5k - $25k | 0.45% $25k - $50k | 0.50% $50k - $75k | 0.55% $75k - $100k

Midland Community Bank Checking Account Rates

0.25%*$20k*-Super NOW
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $20k
0.25%*$20k*-55 and Better Checking
OTHER TIERS: 0.15% Any amount | 0.20% $10k - $20k

Midland Community Bank CD Rates

1.30%*$100k*-60 Month CD
OTHER TIERS: 1.25% $1k - $100k
1.15%*$100k*-48 Month CD
OTHER TIERS: 1.10% $1k - $100k
1.10%*$100k*-36 Month CD
OTHER TIERS: 1.05% $1k - $100k
1.00%*$100k*-30 Month CD
OTHER TIERS: 0.95% $1k - $100k
0.90%*$100k*-18 Month CD
OTHER TIERS: 0.85% $1k - $100k
0.90%*$100k*-24 Month CD
OTHER TIERS: 0.85% $1k - $100k
0.85%*$100k*-12 Month CD
OTHER TIERS: 0.80% $1k - $100k
0.65%*$100k*-6 Month CD
OTHER TIERS: 0.60% $1k - $100k

Midland Community Bank IRA Rates

1.05%*$100k*-60 Month IRA
OTHER TIERS: 1.00% $1k - $100k
1.00%*$100k*-48 Month IRA
OTHER TIERS: 0.95% $1k - $100k
0.95%*$100k*-36 Month IRA
OTHER TIERS: 0.90% $1k - $100k
0.85%*$100k*-30 Month IRA
OTHER TIERS: 0.80% $1k - $100k
0.75%*$100k*-18 Month IRA
OTHER TIERS: 0.70% $1k - $100k
0.75%*$100k*-24 Month IRA
OTHER TIERS: 0.70% $1k - $100k
0.70%*$100k*-12 Month IRA
OTHER TIERS: 0.65% $1k - $100k

Midland Community Bank Locations
Midland Community Bank112 Market StKincaid, IL 62540
Taylorville FacilityState Route 104Taylorville, IL 62568

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