The Middlefield Banking Company
Middlefield, OH
IDRSSD: 177920
Total Assets
$1.90B
Latest filing
Total Deposits
$1.47B
Latest filing
Net Interest Margin
3.91%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
041210448MIDDLEFIELD, OH
Key People
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Locations
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Main Office
The Middlefield Banking Company
15985 E High St
Middlefield, OH 44062
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/15/1902FDIC Certificate 8574
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Middlefield Banking Company (Main) | 15985 E High St | Middlefield, OH |
| BELLEFONTAINE BRANCH | 1120 N Main St | Bellefontaine, OH |
| WEST BRANCH | 15545 W High St | Middlefield, OH |
| GARRETTSVILLE BRANCH | 8058 State St | Garrettsville, OH |
| THE MIDDLEFIELD BANKING COMPANY BRANCH | 10691 Main St | Mantua, OH |
| SOLON LIBERTY BANK BRANCH | 6134 Kruse Dr | Solon, OH |
| WESTERVILLE BRANCH | 17 N State St | Westerville, OH |
| CHARDON BRANCH | 348 Center St | Chardon, OH |
Showing 7 of 20
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 | 03/15/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44062 |
| State and County Number | 39055 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | Cleveland-Elyria, OH |
Operational Info
| Number of Employees | 246 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/01/2022 |
| Date of Deposit Insurance | 01/20/1934 |
| Primary Insurance Agency | DIF |
| Website | www.middlefieldbank.bank |
| Data Updated | 01/30/2026 |
| CERT | 13716 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.90B |
| Total Deposits | $1.47B |
| Total Liabilities | $1.67B |
| Total Equity Capital | $234.37M |
| Net Income | $6.28M |
| Net Loans and Leases | $1.56B |
| Assets Per Employee ($Millions) | $8.06M |
| Bank Premises and Fixed Assets | $22.70M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $1.47B |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 10.9% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 62.07% |
| Tier 1 Risk-Based Capital Ratio | 12.712% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.325% |
| Earning Assets to total Assets | 91.82% |
Income and Expense
| Total Interest Income | $26.94M |
| Total Noninterest Income | $2.04M |
| Total Interest Expense | $9.50M |
| Total Noninterest Expense | $12.34M |
| Net Interest Income | $17.43M |
| Pre-tax Net Operating Income | $7.61M |
| Provision for Credit Losses | $-476,000 |
| 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 | $178.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.68M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.26M |
| Total Liabilities and Capital | $1.90B |
Securities
| Securities | $155.54M |
| Available-for-sale debt securities | $155.54M |
| 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 The Middlefield Banking Company?
$1.90B as of the latest filing.
How much are The Middlefield Banking Company's total deposits?
$1.47B in total deposits.
Where is The Middlefield Banking Company located?
Middlefield, OH.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
21.
When was it established?
03/15/1902.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$1.56B (latest filing).
What is the total interest income (latest filing)?
$26.94M.