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Overview / Commentary
112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in Kincaid and is the 383rd largest bank in the state of Illinois. It is also the 5,052nd largest bank in the nation. It was established in 1968 and as of March of 2018, it had grown to 13 employees at 2 locations. Midland Community Bank's CD rates are 68% 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 - YTD1.29%
Return on Equity - YTD12.65%
Annual Interest Income$540.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$52.7MM$54.4MM
LoansQ1 2018vs Q1 2017$38.2MM$38.7MM
DepositsQ1 2018vs Q1 2017$46.6MM$48.4MM
Equity CapitalQ1 2018vs Q1 2017$5.7MM$5.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$310.00K$288.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$148.00K$294.00K
Real Estate OwnedQ1 2018vs Q1 2017$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

0.30%*$50k*-Regular Savings Account
OTHER TIERS: 0.10% $100 - $25k | 0.20% $25k - $50k
0.30%*$50k*-Junior Savings Account
OTHER TIERS: 0.10% $100 - $25k | 0.20% $25k - $50k

Midland Community Bank Money Market Rates

0.55%*$100k*-Money Market Account
OTHER TIERS: 0.30% $2,500 - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.45% $75k - $100k

Midland Community Bank Checking Account Rates

0.30%*$20k*-Super NOW Account
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $20k

Midland Community Bank CD Rates

1.61%*$100k*-60 Month CD
OTHER TIERS: 1.51% $1k - $100k
1.51%$1k-12 Month CD Special
1.45%*$100k*-48 Month CD
OTHER TIERS: 1.35% $1k - $100k
1.35%*$100k*-36 Month CD
OTHER TIERS: 1.25% $1k - $100k
1.00%*$100k*-24 Month CD
OTHER TIERS: 0.90% $1k - $100k
1.00%*$100k*-30 Month CD
OTHER TIERS: 0.90% $1k - $100k
0.85%*$100k*-18 Month CD
OTHER TIERS: 0.75% $1k - $100k
0.40%*$100k*-6 Month CD
OTHER TIERS: 0.30% $1k - $100k

Midland Community Bank IRA Rates

1.56%*$100k*-60 Month IRA
OTHER TIERS: 1.46% $1k - $100k
1.20%*$100k*-48 Month IRA
OTHER TIERS: 1.10% $1k - $100k
1.10%*$100k*-36 Month IRA
OTHER TIERS: 1.00% $1k - $100k
0.85%*$100k*-24 Month IRA
OTHER TIERS: 0.75% $1k - $100k
0.85%*$100k*-30 Month IRA
OTHER TIERS: 0.75% $1k - $100k
0.70%*$100k*-18 Month IRA
OTHER TIERS: 0.60% $1k - $100k
0.60%*$100k*-12 Month IRA
OTHER TIERS: 0.50% $1k - $100k

Midland Community Bank Locations
Midland Community Bank112 Market StreetKincaid, IL 62540
Taylorville FacilityState Route 104, Rural Route 2Taylorville, IL 62568

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