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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 321st largest bank in the state of Illinois. It is also the 4,313th largest bank in the nation. It was established in 1968 and as of September of 2021, it had grown to 13 employees at 2 locations. Midland Community Bank has an A health rating.

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Health
A

Data as of Q3 2021

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 Established1968
Employees13
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD13.83%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$77.7MM$75.2MM
LoansQ3 2021vs Q3 2020$52.0MM$48.0MM
DepositsQ3 2021vs Q3 2020$68.4MM$62.5MM
Equity CapitalQ3 2021vs Q3 2020$8.9MM$8.2MM
Loan Loss AllowanceQ3 2021vs Q3 2020$304.00K$276.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$297.00K$152.00K
Real Estate OwnedQ3 2021vs Q3 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Midland Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Regular Savings
OTHER TIERS: 0.05% → $100 - $25k | 0.10% → $25k - $50k
0.15%*$50k*-Junior Savings
OTHER TIERS: 0.05% → $100 - $25k | 0.10% → $25k - $50k

Midland Community Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Money Market
OTHER TIERS: 0.15% → $2.5k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $75k | 0.30% → $75k - $100k

Midland Community Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$20k*-Super NOW
OTHER TIERS: 0.05% → $1k - $10k | 0.10% → $10k - $20k

Midland Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$1k-60 Month CD
0.85%*$100k*-48 Month CD
OTHER TIERS: 0.80% → $1k - $100k
0.80%*$100k*-36 Month CD
OTHER TIERS: 0.75% → $1k - $100k
0.60%*$100k*-24 Month CD
OTHER TIERS: 0.55% → $1k - $100k
0.50%*$100k*-18 Month CD
OTHER TIERS: 0.45% → $1k - $100k
0.45%*$100k*-12 Month CD
OTHER TIERS: 0.40% → $1k - $100k
0.25%*$100k*-6 Month CD
OTHER TIERS: 0.20% → $1k - $100k

Midland Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-60 Month IRA
OTHER TIERS: 0.85% → $1k - $100k
0.80%*$100k*-48 Month IRA
OTHER TIERS: 0.75% → $1k - $100k
0.75%*$100k*-36 Month IRA
OTHER TIERS: 0.70% → $1k - $100k
0.55%*$100k*-24 Month IRA
OTHER TIERS: 0.50% → $1k - $100k
0.45%*$100k*-18 Month IRA
OTHER TIERS: 0.40% → $1k - $100k
0.40%*$100k*-12 Month IRA
OTHER TIERS: 0.35% → $1k - $100k
Locations


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

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