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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

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Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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up to $300

Our Rating

4.2 / 5

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Overview / Commentary

www.mcbbank.net

217-237-4324

112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in KINCAID and is the 296^th largest bank in the state of Illinois. It is also the 4,104^th largest bank in the nation. It was established in 1968 and as of March of 2025, it had grown to 13 employees at 2 locations. Midland Community Bank has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

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

Overall
FDIC Certificate #	19796
Year Established	1968
Employees	13
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	6.66%
Annual Interest Income	$759K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$67MM$70.1MM
Loans	Q1 2025vs Q1 2024	$41.4MM$46.6MM
Deposits	Q1 2025vs Q1 2024	$57.8MM$60.5MM
Equity Capital	Q1 2025vs Q1 2024	$8.9MM$8.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$252K$314K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$75K$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Midland Community Bank are currently being reviewed.

Locations

Midland Community Bank Locations
Midland Community Bank	112 Market St	Kincaid, IL 62540
Taylorville Facility	State Route 104	Taylorville, IL 62568

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