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The Middlefield Banking Company

Middlefield, OH
IDRSSD: 177920
Total Assets
$1.98B
Latest filing
Total Deposits
$1.63B
Latest filing
Net Interest Margin
3.93%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date03/15/1902
Community BankYes
Ownership TypeNot Mutual
ZIP44062
State and County Number39055
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number04
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameCleveland-Elyria, OH

Operational Info

Number of Employees253
Domestic Offices21
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date12/01/2022
Date of Deposit Insurance01/20/1934
Primary Insurance AgencyDIF
Websitewww.middlefieldbank.bank
Data Updated11/14/2025
CERT13716
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.98B
Total Deposits$1.63B
Total Liabilities$1.75B
Total Equity Capital$226.75M
Net Income$6.41M
Net Loans and Leases$1.58B
Assets Per Employee ($Millions)$8.04M
Bank Premises and Fixed Assets$21.65M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$1.63B

Key Performance Ratios

Return on Assets (ROA)1.31%
Return on Equity (ROE)11.56%
Net Interest Margin3.93%
Efficiency Ratio57.94%
Tier 1 Risk-Based Capital Ratio12.114%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.467%
Earning Assets to total Assets92.02%

Income and Expense

Total Interest Income$27.54M
Total Noninterest Income$2.37M
Total Interest Expense$9.91M
Total Noninterest Expense$11.84M
Net Interest Income$17.63M
Pre-tax Net Operating Income$7.77M
Provision for Credit Losses$393.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$109.25M
Federal Funds Sold & Reverse Repurchase Agreement$22.33M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$16.11M
Total Liabilities and Capital$1.98B

Securities

Securities$155.85M
Available-for-sale debt securities$155.85M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Middlefield Banking Company?
$1.98B as of the latest filing.
How much are The Middlefield Banking Company's total deposits?
$1.63B in total deposits.
Where is The Middlefield Banking Company located?
Middlefield, OH.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
21.
When was it established?
03/15/1902.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$1.58B (latest filing).
What is the total interest income (latest filing)?
$27.54M.