FDIC Cert #19796 · Kincaid, Illinois · Est. 1968

Midland Community Bank - FDIC Bank Health Profile

A community-scale look at Midland Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$70M
Total assets
A
Health grade · Excellent
0.80%
Return on assets
15.9%
Tier 1 capital

Data updated July 2026

The verdict

Midland Community Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.89% Tier 1, 0.80% ROA, 61% efficiency ratio.

#3,992
largest of 4,313 FDIC banks by assets
7th
percentile by asset size, nationally
15.89%
Tier 1 ratio - above the 10% well-capitalized line
30th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 19796 · IL A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1836/4307
  • PHOTO-FINISH Guaranty Bank & Trus… · LA
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-PAR 0.80% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Guaranty Bank & Trust Company of Delhi, Louisiana, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Midland Community Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Academy Bank, Nation… · MO ·…82/100Guaranty Bank & Trus… · LA ·…82/100Midland Community Bank · IL …82/100Pioneer Bank, Nation… · NY ·…82/100TD Bank, National As… · DE ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Midland Community Bank · July 2026

Call Report read for Midland Community Bank in a high-failure state

Midland Community Bank (FDIC Cert #19796) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,836 of 4,307. Tier 1 capital prints at 15.89%, clearing the 10% well-capitalized line. The Texas Ratio is 2.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.80%. Balance-sheet scale is $70M, 3,992nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Guaranty Bank & Trust Company of Delhi, Louisiana (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Midland Community Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Midland Community Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Midland Community Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Midland Community Bank's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
Midland Community Bank's composite health score
Tier 1 Capital Ratio (15.89%) 40/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (2.29%) 20/20
Efficiency Ratio (60.70%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$70M

Total balance-sheet footings

Total Deposits

$58M

Customer-funded liabilities

Net Loans

$37M

Outstanding loan book

Net Income

$537K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.49% 15.89% 17.29%
Basel III capital ratios - Midland Community Bank

Where Midland Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Midland Community Bank's score of 82/100 falls in the highlighted band.

Midland Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Midland Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Midland Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Midland Community Bank's $70M falls in the highlighted band.

Capital & credit buffers at Midland Community Bank

Tier 1 capital ratio
Well-capitalized 10%

15.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.89%
Texas Ratio
2.29%
Equity Capital
$12M

What these ratios mean →

Profitability metrics: Midland Community Bank

Return on Assets (ROA)
30th percentile nationally
0.80%
Return on Equity (ROE)
5.66%
Efficiency Ratio
60.70%

What these mean →

Income & expense at Midland Community Bank

$649K
Interest Income
$122K
Non-Interest Income
$400K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Midland Community Bank reports a Texas Ratio of 2.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Midland Community Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($70M here), outside Illinois so the neighborhood is not state containment.

Walters Bank and Trust Company $70M · OK Adams State Bank $70M · NE Security Bank and Trust Co. $70M · KY Bank of Gueydan $69M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Midland Community Bank (FDIC Cert #19796) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Midland Community Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%