BlastPoint's Banking Scorecard
Midland Community Bank
Designations: ✓ Community bank
Kincaid, IL
2 branches across IL
Midland Community Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 0.79% above tier average
- + Efficiency Ratio 32.09% below tier average
- + Delinquency Rate 1.37% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.0M
+3.1% YoY
-0.7% QoQ
|
+$6.9M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$37.7M
-8.8% YoY
+1.5% QoQ
|
+$3.5M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$56.9M
-1.5% YoY
-1.6% QoQ
|
+$5.2M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
1.71%
+95.4% YoY
+112.4% QoQ
|
+0.87% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.65%
+33.3% YoY
+482.0% QoQ
|
+0.79% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
56.26%
-19.5% YoY
-7.3% QoQ
|
-32.09% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.00%
-98.5% YoY
-99.6% QoQ
|
-1.37% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
66.32%
-7.4% YoY
+3.1% QoQ
|
+2.11% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
21.94%
+10.7% YoY
+13.9% QoQ
|
-1.78% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.00%
-98.7% YoY
-99.6% QoQ
|
-0.79% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
16.84%
-23.9% YoY
+6.0% QoQ
|
-9.84% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.21%
+18.7% YoY
+17.2% QoQ
|
-0.46% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 11.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.