B
Midland Community Bank
KincaidIL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Midland Community Bank
Kincaid, IL
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Rating B
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 5.30
Stability Index 6.70
Company Info Midland Community Bank
Kincaid, IL
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FDIC Number 19796
Phone Number (217) 237-4324
Website www.mcbbank.net
Asset Quality Midland Community Bank
Kincaid, IL
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1-Year Asset Growth -4.12%
5-Year Asset Growth 0.22%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans -0.05%
Non-Performing Assets to Assets 0.20%
Non-Performing Loans to Capital 1.18%
Non-Performing Loans to Loans 0.31%
Balance Sheet Midland Community Bank
Kincaid, IL
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Total Assets 65.16M
Total Deposits 55.44M
Capital and Reserves Midland Community Bank
Kincaid, IL
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Capital 9.53M
Leverage Ratio 15.91
Loan Loss Reserves to Loans 0.61%
Risk-Based Capital Ratio 22.64
Liquidity Midland Community Bank
Kincaid, IL
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Hot Money Ratio 23.19%
Liquidity Ratio 23.47%
Profitability Midland Community Bank
Kincaid, IL
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5-Year Return on Average Assets 1.26%
Net Income 508.00K
Net Interest Spread 3.47%
Operating Profit to Average Assets 1.40%
Overhead Efficiency Ratio 66.78%
Return on Assets 1.00%
Return on Equity 7.55%