B
The Middlefield Banking Company
Rating Date
October 2025
Risk Based
Capital Ratio
13.37
Leverage
Ratio
10.62
Return On
Assets
1.34%
Total
Assets
1.98B
Capital
226.75M
Total
Deposits
1.63B
Net
Income
19.34M
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Weiss Ratings The Middlefield Banking Company
Middlefield, OH 		Click to
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Rating B
Asset Quality Index 3.90
Capitalization Index 9.40
Liquidity Index 2.50
Profitability Index 6.20
Stability Index 10.00
Company Info The Middlefield Banking Company
Middlefield, OH 		Click to
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FDIC Number 13716
Phone Number (440) 632-8115
Website www.middlefieldbank.bank
Asset Quality The Middlefield Banking Company
Middlefield, OH 		Click to
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1-Year Asset Growth 6.60%
5-Year Asset Growth 11.32%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 1.76%
Non-Performing Loans to Capital 13.16%
Non-Performing Loans to Loans 2.16%
Balance Sheet The Middlefield Banking Company
Middlefield, OH 		Click to
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Total Assets 1.98B
Total Deposits 1.63B
Capital and Reserves The Middlefield Banking Company
Middlefield, OH 		Click to
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Capital 226.75M
Leverage Ratio 10.62
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio 13.37
Liquidity The Middlefield Banking Company
Middlefield, OH 		Click to
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Hot Money Ratio 7.44%
Liquidity Ratio 8.25%
Profitability The Middlefield Banking Company
Middlefield, OH 		Click to
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5-Year Return on Average Assets 1.19%
Net Income 19.34M
Net Interest Spread 3.82%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 60.30%
Return on Assets 1.34%
Return on Equity 11.79%