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Midland Community Bank

Kincaid, IL · Cert 19796 · 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
Loan mix
82%RE $29.9M15%C&I $5.5M3%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $45.3M20%Noninterest $11.3MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.45%Q2 ’255.45%Q2 ’26-2%+36%

Non-interest income vs. expense

3.08%Q2 ’242.93%Q2 ’252.59%Q2 ’26-10%-14%

Executive Summary

  • Earnings: ROA of 1.62%, up 69 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.00% of loans (-31 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.11%, down 349 bps from a year ago.
  • Funding: loans stand at 65.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.62%+69 bps YoY

Net Interest Margin (quarter, annualized)

4.57%+120 bps YoY

Efficiency Ratio (quarter, annualized)

48.02%-2,164 bps YoY

Tier 1 Leverage Ratio

12.11%-349 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.26%0.17%1.71%1.62%+69 bps
Return on Equity6.92%8.99%1.10%10.14%9.36%+244 bps
Net Interest Margin3.36%3.59%-7.46%4.42%4.57%+120 bps
Efficiency Ratio69.66%61.22%63.39%56.26%48.02%-2,164 bps
Non-Interest Burden2.09%1.86%-4.26%2.13%1.80%-29 bps
Growth
Asset Growth (YoY)-3.82%-4.12%5.92%3.09%3.48%+730 bps
Loan Growth (YoY)-9.05%-10.61%-13.68%-8.94%-11.65%-261 bps
Deposit Growth (YoY)-5.24%-4.88%1.98%-1.52%-1.19%+405 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.31%0.72%0.00%0.00%-31 bps
Net Charge-Offs / Loans0.00%0.00%0.17%0.96%0.01%+1 bps
Allowance / Loans0.60%0.61%0.67%0.42%0.44%-17 bps
Allowance Coverage of NPLs1.9x1.9x0.9x161.0xn/an/a
Capital
Tier 1 Leverage Ratio15.60%15.91%11.05%11.51%12.11%-349 bps
Total Risk-Based Capital22.35%22.64%16.44%17.20%18.24%-411 bps
Equity / Assets13.51%14.63%16.60%17.12%17.48%+397 bps
Liquidity & Funding
Loans / Deposits72.86%75.12%64.73%66.60%65.14%-772 bps
Liquid Assets / Assets4.92%4.17%10.98%10.24%11.95%+703 bps
CRE / Total Capitaln/a42.66%54.75%61.07%n/an/a