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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 $1.2MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $45.3M20%Noninterest $11.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.66%, up 76 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.00% of loans (-31 bps YoY), with net charge-offs at 0.50%.
  • 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.

Return on Assets (YTD, annualized)

1.66%+76 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+119 bps YoY

Efficiency Ratio (YTD, annualized)

52.11%-1,768 bps YoY

Tier 1 Leverage Ratio

12.11%-349 bps YoY

NIM

4.51%Q2 ’244.46%Q2 ’255.38%Q2 ’26-2%+36%

Non-interest income vs. expense

3.01%Q2 ’242.86%Q2 ’252.78%Q2 ’26-8%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.63%0.87%0.90%1.03%0.80%1.71%1.66%+76 bps
Return on Equity5.77%5.11%6.66%6.82%7.54%5.66%10.14%9.75%+293 bps
Net Interest Margin3.40%3.35%3.28%3.33%3.42%0.77%4.42%4.52%+119 bps
Efficiency Ratio75.45%76.93%69.93%69.79%66.78%60.70%56.26%52.11%-1,768 bps
Non-Interest Burden2.39%2.40%2.09%2.09%2.02%0.40%2.13%1.97%-12 bps
Growth
Asset Growth (YoY)-4.89%-7.60%-4.44%-3.82%-4.12%5.92%3.09%3.48%+730 bps
Loan Growth (YoY)-1.12%-6.80%-11.29%-9.05%-10.61%-13.68%-8.94%-11.65%-261 bps
Deposit Growth (YoY)-7.65%-9.51%-4.51%-5.24%-4.88%1.98%-1.52%-1.19%+405 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.49%0.18%0.31%0.31%0.72%0.00%0.00%-31 bps
Net Charge-Offs / Loans0.11%0.20%-0.15%-0.08%-0.05%0.00%0.96%0.50%+58 bps
Allowance / Loans0.59%0.54%0.61%0.60%0.61%0.67%0.42%0.44%-17 bps
Allowance Coverage of NPLs0.9x1.1x3.4x1.9x1.9x0.9x161.0xn/an/a
Capital
Tier 1 Leverage Ratio15.24%15.09%15.42%15.60%15.91%11.05%11.51%12.11%-349 bps
Total Risk-Based Capital20.32%21.33%22.65%22.35%22.64%16.44%17.20%18.24%-411 bps
Equity / Assets13.47%12.92%13.35%13.51%14.63%16.60%17.12%17.48%+397 bps
Liquidity & Funding
Loans / Deposits79.93%76.48%72.03%72.86%75.12%64.73%66.60%65.14%-772 bps
Liquid Assets / Assets0.00%0.01%4.72%4.92%4.17%10.98%10.24%11.95%+703 bps
CRE / Total Capitaln/an/an/an/a42.66%54.75%61.07%n/an/a