B
The Middlefield Banking Company
Rating Date
October 2025
Risk Based
Capital Ratio
13.04
Leverage
Ratio
10.54
Return On
Assets
1.36%
Total
Assets
1.92B
Capital
216.78M
Total
Deposits
1.60B
Net
Income
12.93M
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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 9.30
Liquidity Index 2.40
Profitability Index 6.10
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 5.48%
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 1.71%
Non-Performing Loans to Capital 13.14%
Non-Performing Loans to Loans 2.08%
Balance Sheet The Middlefield Banking Company
Middlefield, OH 		Click to
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Total Assets 1.92B
Total Deposits 1.60B
Capital and Reserves The Middlefield Banking Company
Middlefield, OH 		Click to
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Capital 216.78M
Leverage Ratio 10.54
Loan Loss Reserves to Loans 1.41%
Risk-Based Capital Ratio 13.04
Liquidity The Middlefield Banking Company
Middlefield, OH 		Click to
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Hot Money Ratio 11.19%
Liquidity Ratio 7.25%
Profitability The Middlefield Banking Company
Middlefield, OH 		Click to
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5-Year Return on Average Assets 1.20%
Net Income 12.93M
Net Interest Spread 3.80%
Operating Profit to Average Assets 1.64%
Overhead Efficiency Ratio 60.88%
Return on Assets 1.36%
Return on Equity 11.91%