Midland Community Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.61%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
0.55%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.30%	Savings	Regular Savings Account 1.55% - Synchrony Bank High Yield Savings

View all Midland Community Bank rates »

Overview / Commentary

www.mcbbank.net

217-237-4324

112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in Kincaid and is the 375^th largest bank in the state of Illinois. It is also the 5,003^rd largest bank in the nation. It was established in 1968 and as of December of 2017, 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 an A health rating.

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Health

A

Data as of Q4 2017

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	12
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.27%
Return on Equity - YTD	12.84%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$58.5MM$53.7MM
Loans	Q4 2017vs Q4 2016	$39.7MM$39.4MM
Deposits	Q4 2017vs Q4 2016	$52.5MM$47.9MM
Equity Capital	Q4 2017vs Q4 2016	$5.6MM$5.1MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$298.00K$288.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$148.00K$387.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Money Market
Checking
CD
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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
0.30%^*	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$20k^*	-	Super NOW Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.20% → $10k - $20k

Midland Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.51% → $1k - $100k
1.45%^*	$100k^*	-	48 Month CD
OTHER TIERS: 1.35% → $1k - $100k
1.35%^*	$100k^*	-	36 Month CD
OTHER TIERS: 1.25% → $1k - $100k
0.90%^*	$100k^*	-	24 Month CD
OTHER TIERS: 0.80% → $1k - $100k
0.80%^*	$100k^*	-	30 Month CD
OTHER TIERS: 0.75% → $1k - $100k
0.75%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.65% → $1k - $100k
0.55%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.45% → $1k - $100k
0.40%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.30% → $1k - $100k

Midland Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%^*	$100k^*	-	60 Month IRA
OTHER TIERS: 1.25% → $1k - $100k
1.00%^*	$100k^*	-	48 Month IRA
OTHER TIERS: 0.90% → $1k - $100k
0.80%^*	$100k^*	-	36 Month IRA
OTHER TIERS: 0.70% → $1k - $100k
0.70%^*	$100k^*	-	30 Month IRA
OTHER TIERS: 0.60% → $1k - $100k
0.65%^*	$100k^*	-	24 Month IRA
OTHER TIERS: 0.55% → $1k - $100k
0.60%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 0.50% → $1k - $100k
0.50%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 0.40% → $1k - $100k

Locations

Midland Community Bank Locations
Midland Community Bank	112 Market Street	Kincaid, IL 62540
Taylorville Facility	State Route 104, Rural Route 2	Taylorville, IL 62568

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