Midland Community Bank

Overview / Commentary
112 Market Street
Kincaid, IL 62540

Midland Community Bank is headquartered in Kincaid and is the 313th largest bank in the state of Illinois. It is also the 4,176th largest bank in the nation. It was established in 1968 and as of March of 2022, it had grown to 11 employees at 2 locations. Midland Community Bank's money market rates are 14% higher than the national average, and it has an A 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 - YTD1.27%
Return on Equity - YTD12.37%
Annual Interest Income$665.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$83.7MM$80.7MM
LoansQ1 2022vs Q1 2021$51.8MM$49.3MM
DepositsQ1 2022vs Q1 2021$75.3MM$67.8MM
Equity CapitalQ1 2022vs Q1 2021$8.2MM$8.4MM
Loan Loss AllowanceQ1 2022vs Q1 2021$292.00K$301.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$290.00K$268.00K
Real Estate OwnedQ1 2022vs Q1 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

0.20%*$50k*-Regular Savings
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k
0.20%*$50k*-Junior Savings
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k

Midland Community Bank Money Market Rates

0.50%*$100k*-Money Market
OTHER TIERS: 0.20% $2.5k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k | 0.35% $75k - $100k

Midland Community Bank Checking Account Rates

0.20%*$20k*-Super NOW
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $20k

Midland Community Bank CD Rates

1.20%$1k-60 Month CD
0.95%*$100k*-48 Month CD
OTHER TIERS: 0.90% $1k - $100k
0.90%*$100k*-36 Month CD
OTHER TIERS: 0.85% $1k - $100k
0.70%*$100k*-24 Month CD
OTHER TIERS: 0.65% $1k - $100k
0.60%*$100k*-18 Month CD
OTHER TIERS: 0.55% $1k - $100k
0.55%*$100k*-12 Month CD
OTHER TIERS: 0.50% $1k - $100k
0.35%*$100k*-6 Month CD
OTHER TIERS: 0.30% $1k - $100k

Midland Community Bank IRA Rates

1.00%*$100k*-60 Month IRA
OTHER TIERS: 0.95% $1k - $100k
0.90%*$100k*-48 Month IRA
OTHER TIERS: 0.85% $1k - $100k
0.85%*$100k*-36 Month IRA
OTHER TIERS: 0.80% $1k - $100k
0.65%*$100k*-24 Month IRA
OTHER TIERS: 0.60% $1k - $100k
0.55%*$100k*-18 Month IRA
OTHER TIERS: 0.50% $1k - $100k
0.50%*$100k*-12 Month IRA
OTHER TIERS: 0.45% $1k - $100k

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

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