Midland Community Bank

Overview / Commentary

www.mcbbank.net

217-237-4324

112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in Kincaid and is the 323^rd largest bank in the state of Illinois. It is also the 4,379^th largest bank in the nation. It was established in 1968 and as of June of 2020, it had grown to 14 employees at 2 locations. Midland Community Bank's money market rates are 25% higher than the national average, and it has an A health rating.

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Health

Data as of Q2 2020

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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

Overall
FDIC Certificate #	19796
Year Established	1968
Employees	14
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.63%
Return on Equity - YTD	15.33%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$74.6MM$58.8MM
Loans	Q2 2020vs Q2 2019	$46.1MM$41.8MM
Deposits	Q2 2020vs Q2 2019	$62.4MM$51.9MM
Equity Capital	Q2 2020vs Q2 2019	$7.8MM$6.7MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$293.00K$257.00K
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$99.00K$0
Real Estate Owned	Q2 2020vs Q2 2019	$0$76.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$50k^*	-	Regular Savings
OTHER TIERS: 0.05% → $100 - $25k \| 0.15% → $25k - $50k
0.25%^*	$50k^*	-	Junior Savings
OTHER TIERS: 0.05% → $100 - $25k \| 0.15% → $25k - $50k

Midland Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$20k^*	-	Super NOW
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $20k

Midland Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.30% → $1k - $100k
1.00%^*	$100k^*	-	48 Month CD
OTHER TIERS: 0.90% → $1k - $100k
0.90%^*	$100k^*	-	30 Month CD
OTHER TIERS: 0.80% → $1k - $100k
0.90%^*	$100k^*	-	36 Month CD
OTHER TIERS: 0.80% → $1k - $100k
0.85%^*	$100k^*	-	24 Month CD
OTHER TIERS: 0.75% → $1k - $100k
0.75%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.65% → $1k - $100k
0.50%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.40% → $1k - $100k
0.40%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.30% → $1k - $100k

Midland Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$100k^*	-	60 Month IRA
OTHER TIERS: 1.30% → $1k - $100k
0.95%^*	$100k^*	-	48 Month IRA
OTHER TIERS: 0.85% → $1k - $100k
0.85%^*	$100k^*	-	30 Month IRA
OTHER TIERS: 0.75% → $1k - $100k
0.85%^*	$100k^*	-	36 Month IRA
OTHER TIERS: 0.75% → $1k - $100k
0.80%^*	$100k^*	-	24 Month IRA
OTHER TIERS: 0.70% → $1k - $100k
0.70%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 0.60% → $1k - $100k
0.45%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 0.35% → $1k - $100k

Locations

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

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