BlastPoint's Banking Scorecard
Midland Community Bank
Designations: ✓ Community bank
Kincaid, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -1.2% year over year ($56.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.66%.
- Efficiency ratio 52.11% vs a 119.40% peer average.
- Loan-to-deposit ratio 64.86% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Midland Community Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.67% above tier average
- + Net Interest Margin 0.81% above tier average
- + Efficiency Ratio 67.29% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.8M
+3.5% YoY
-0.4% QoQ
|
+$6.3M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$36.7M
-11.5% YoY
-2.7% QoQ
|
+$1.8M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$56.6M
-1.2% YoY
-0.5% QoQ
|
+$5.0M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.66%
+84.0% YoY
-2.6% QoQ
|
+0.67% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.73%
+34.3% YoY
+1.7% QoQ
|
+0.81% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
52.11%
-25.3% YoY
-7.4% QoQ
|
-67.29% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 11.9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
64.86%
-10.4% YoY
-2.2% QoQ
|
-9.35% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
19.92%
+8.3% YoY
-9.2% QoQ
|
-3.57% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.88%
-18.1% YoY
+6.1% QoQ
|
-9.25% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.41%
+4.9% YoY
+97.9% QoQ
|
-0.97% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 11.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
+1.5pp YoY -2.0pp QoQ |
-4.7pp | 24.6% | 20.1% | 22.2% | 35% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.7%
-10.2pp YoY -3.9pp QoQ |
-2.7pp | 13.4% | 14.7% | 12.5% | 53% |
| CRE |
13.5%
+2.3pp YoY +1.2pp QoQ |
-11.8pp | 25.2% | 37.9% | 41.4% | 24% |
| 1-4 Family |
60.9%
+8.1pp YoY +2.6pp QoQ |
+26.0pp | 35.0% | 28.3% | 31.3% | 81% |
| Consumer |
3.2%
-0.1pp YoY 0.0pp QoQ |
-4.4pp | 7.7% | 5.4% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.9%
-3.9pp YoY +1.0pp QoQ |
-20.8pp | 38.7% | 19.9% | 19.7% | 36% |
| Leverage Ratio |
12.1%
-3.5pp YoY +0.6pp QoQ |
-5.6pp | 17.7% | 12.2% | 12.6% | 42% |
| Total Capital Ratio |
18.2%
-4.1pp YoY +1.0pp QoQ |
-21.4pp | 39.7% | 20.9% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-2 (-15.4%) YoY 0 QoQ |
-1 | 12 | 228 | 482 | 50% |
| Assets per Employee ($) |
$6.3M
+22.3% YoY -0.4% QoQ |
+$64K | $6.2M | $8.3M | $8.8M | 55% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.5%
+0.6pp YoY -0.5pp QoQ |
+0.3pp | 0.2% | 0.1% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
+2.9pp YoY -0.4pp QoQ |
+3.4pp | 6.4% | 10.5% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.3%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 42% |
| Net Income ($, YTD) |
$575,000
+91.7% YoY — QoQ |
+$257K | $317,817 | $11.7M | $40.4M | 82% |
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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.