Midland Community Bank
Kincaid, IL · Cert 19796 · Peer group: banks under $1B in assets in IL (n=149-151) · United Community Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (48 in holding)
Q2 2026
$68.8MAssets
$36.9MLoans
$56.6MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in IL (rank 135 of 149).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.67%
Rank 14 of 151
Net Interest Margin
4.52%
Rank 8 of 151
Efficiency Ratio
55.07%
Rank 40 of 151
Equity / Assets
17.48%
Rank 10 of 151
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 74% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.70% | 1.03% | 1.34% | Beats 91% | 14 / 151 | |
| Return on Equity | 9.56% | 6.74% | 9.34% | 12.94% | Beats 52% | 73 / 151 | |
| Net Interest Margin | 4.52% | 3.02% | 3.43% | 3.83% | Beats 95% | 8 / 151 | |
| Efficiency Ratio | 55.07% | 54.64% | 64.89% | 72.50% | Beats 74% | 40 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | |
| Net Charge-Offs / Loans | 0.25% | 0.00% | 0.02% | 0.07% | Beats 10% | 135 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 17.88% | 11.83% | 14.17% | 18.66% | Beats 71% | 44 / 151 | |
| Total Risk-Based Capital Ratio | 18.24% | 12.22% | 14.54% | 19.92% | Beats 71% | 44 / 151 | |
| Equity / Assets | 17.48% | 9.10% | 10.65% | 12.40% | Beats 93% | 10 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 65.14% | 54.39% | 71.02% | 80.75% | 39th pctl | 91 / 149 | |
| Loans / Assets | 53.63% | 45.91% | 61.31% | 68.01% | 37th pctl | 95 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |