Midland Community Bank
Kincaid, IL
IDRSSD: 822631
Total Assets
$69.51M
Latest filing
Total Deposits
$57.85M
Latest filing
Net Interest Margin
-7.77%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Midland Community Bank
112 Market St
Kincaid, IL 62540
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/29/1968FDIC Certificate 13590
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Midland Community Bank (Main) | 112 Market St | Kincaid, IL |
| TAYLORVILLE FACILITY BRANCH | 1149 E 1500 North Rd | Taylorville, IL |
Showing 1 of 1
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/29/1968 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62540 |
| State and County Number | 17021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Taylorville, IL |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/29/1968 |
| Primary Insurance Agency | DIF |
| Website | www.mcbbank.net |
| Data Updated | 01/30/2026 |
| CERT | 19796 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $69.51M |
| Total Deposits | $57.85M |
| Total Liabilities | $57.97M |
| Total Equity Capital | $11.54M |
| Net Income | $29.00k |
| Net Loans and Leases | $37.20M |
| Assets Per Employee ($Millions) | $5.35M |
| Bank Premises and Fixed Assets | $711.00k |
| Cash and Balances due from Depository Institutions | $8.05M |
| Deposits Held in Domestic Offices | $57.85M |
Key Performance Ratios
| Return on Assets (ROA) | 0.17% |
| Return on Equity (ROE) | 1.1% |
| Net Interest Margin | -7.77% |
| Efficiency Ratio | 69.32% |
| Tier 1 Risk-Based Capital Ratio | 15.893% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.602% |
| Earning Assets to total Assets | 90.85% |
Income and Expense
| Total Interest Income | $-1,638,000 |
| Total Noninterest Income | $-282,000 |
| Total Interest Expense | $-411,000 |
| Total Noninterest Expense | $-1,029,000 |
| Net Interest Income | $-1,227,000 |
| Pre-tax Net Operating Income | $-480,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $117.00k |
| Total Liabilities and Capital | $69.51M |
Securities
| Securities | $18.32M |
| Available-for-sale debt securities | $18.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Midland Community Bank?
$69.51M as of the latest filing.
How much are Midland Community Bank's total deposits?
$57.85M in total deposits.
Where is Midland Community Bank located?
Kincaid, IL.
What is the Net Interest Margin?
-7.77%.
How many domestic offices does it operate?
2.
When was it established?
03/29/1968.
What is the Return on Assets (ROA)?
0.17%.
How much are total loans and leases?
$37.20M (latest filing).
What is the total interest income (latest filing)?
$-1,638,000.