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 4,138th largest bank in the nation. It was established in 1968 and as of March of 2024, it had grown to 13 employees at 2 locations. Midland Community Bank has a C 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 - YTD0.82%
Return on Equity - YTD7.08%
Annual Interest Income$764K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$70.1MM$77.9MM
LoansQ1 2024vs Q1 2023$46.6MM$47.1MM
DepositsQ1 2024vs Q1 2023$60.5MM$69.8MM
Equity CapitalQ1 2024vs Q1 2023$8.2MM$7.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$314K$329K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.4MM$264K
Real Estate OwnedQ1 2024vs Q1 2023$0$49K

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

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