Midland Community Bank

Overview / Commentary
112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in Kincaid and is the 309th largest bank in the state of Illinois. It is also the 4,153rd largest bank in the nation. It was established in 1968 and as of June of 2022, it had grown to 12 employees at 2 locations. Midland Community Bank's money market rates are 25% 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 - YTD1.32%
Return on Equity - YTD13.41%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$83.2MM$76.8MM
LoansQ2 2022vs Q2 2021$49.8MM$50.4MM
DepositsQ2 2022vs Q2 2021$75.7MM$68.0MM
Equity CapitalQ2 2022vs Q2 2021$7.5MM$8.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$291.00K$304.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$354.00K$275.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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

0.25%*$50k*-Regular Savings
OTHER TIERS: 0.15% $100 - $25k | 0.20% $25k - $50k
0.25%*$50k*-Junior Savings
OTHER TIERS: 0.15% $100 - $25k | 0.20% $25k - $50k

Midland Community Bank Money Market Rates

0.55%*$100k*-Money Market
OTHER TIERS: 0.25% $2.5k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k | 0.40% $75k - $100k

Midland Community Bank Checking Account Rates

0.25%*$20k*-Super NOW
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $20k

Midland Community Bank CD Rates

1.30%*$100k*-60 Month CD
OTHER TIERS: 1.25% $1k - $100k
1.00%*$100k*-48 Month CD
OTHER TIERS: 0.95% $1k - $100k
0.95%*$100k*-36 Month CD
OTHER TIERS: 0.90% $1k - $100k
0.75%*$100k*-24 Month CD
OTHER TIERS: 0.70% $1k - $100k
0.65%*$100k*-18 Month CD
OTHER TIERS: 0.60% $1k - $100k
0.60%*$100k*-12 Month CD
OTHER TIERS: 0.55% $1k - $100k
0.40%*$100k*-6 Month CD
OTHER TIERS: 0.35% $1k - $100k

Midland Community Bank IRA Rates

1.05%*$100k*-60 Month IRA
OTHER TIERS: 1.00% $1k - $100k
0.95%*$100k*-48 Month IRA
OTHER TIERS: 0.90% $1k - $100k
0.90%*$100k*-36 Month IRA
OTHER TIERS: 0.85% $1k - $100k
0.70%*$100k*-24 Month IRA
OTHER TIERS: 0.65% $1k - $100k
0.60%*$100k*-18 Month IRA
OTHER TIERS: 0.55% $1k - $100k
0.55%*$100k*-12 Month IRA
OTHER TIERS: 0.50% $1k - $100k

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

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