The Middlefield Banking Company

Overview / Commentary
15985 East High Street
Middlefield, OH 44062

The Middlefield Banking Company is headquartered in MIDDLEFIELD and is the 22nd largest bank in the state of Ohio. It is also the 630th largest bank in the nation. It was established in 1902 and as of December of 2023, it had grown to 256 employees at 21 locations. The Middlefield Banking Company's money market rates are 11X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #13716
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD10.25%
Annual Interest Income$90.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.82B$1.68B
LoansQ4 2023vs Q4 2022$1.46B$1.34B
DepositsQ4 2023vs Q4 2022$1.43B$1.4B
Equity CapitalQ4 2023vs Q4 2022$208.1MM$202.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$21.7MM$14.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$10.9MM$7MM
Real Estate OwnedQ4 2023vs Q4 2022$0$5.8MM
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Always verify rates and promotions with the bank or credit union. We are not The Middlefield Banking Company; 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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The Middlefield Banking Company Savings Account Rates

0.40%*$5k*-IRA Savings
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2.5k | 0.30% $2.5k - $5k

The Middlefield Banking Company Money Market Rates

4.75%*$10k*-6 Month Money Market Special-New Money
OTHER TIERS: 0.15% Up to $2.5k | 0.30% $2.5k - $10k
4.75%*$10k*-Business 6 Month Money Market Special-New Money
OTHER TIERS: 0.15% Up to $2.5k | 0.30% $2.5k - $10k
0.60%*$50k*-Money Market Account
OTHER TIERS: 0.15% Up to $3k | 0.30% $3k - $25k | 0.50% $25k - $50k

The Middlefield Banking Company Checking Account Rates

0.50%*-$25kSmart Rewards Checking
OTHER TIERS: 0.35% $25k+

The Middlefield Banking Company CD Rates

5.06%$500-11 Month CD Special-New Money
0.90%$500-60 Month CD
0.80%$500-48 Month CD
0.70%$500-36 Month CD
0.65%$500-30 Month CD
0.60%$500-24 Month CD
0.50%$500-18 Month CD
0.45%$500-12 Month CD
0.25%$500-6 Month CD
0.20%$500-3 Month CD

The Middlefield Banking Company IRA Rates

0.90%$250-60 Month IRA
0.80%$250-48 Month IRA
0.70%$250-36 Month IRA
0.65%$250-30 Month IRA
0.60%$250-24 Month IRA
0.50%$250-18 Month IRA
0.45%$250-12 Month IRA


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