BlastPoint's Banking Scorecard
Midland Community Bank
Micro
Specialty: Mortgage
IL
FDIC cert 19796
Designations: ✓ Community bank
Kincaid, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Midland Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 3.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.5M
+5.9% YoY
+6.7% QoQ
|
-$148.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$37.2M
-13.8% YoY
-10.1% QoQ
|
-$102.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$57.9M
+2.0% YoY
+4.4% QoQ
|
-$125.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.80%
+27.5% YoY
-21.5% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
0.80%
-77.1% YoY
-78.0% QoQ
|
-3.05% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
60.70%
-21.1% YoY
-9.1% QoQ
|
-7.03% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.73%
+47.0% YoY
+131.1% QoQ
|
+0.09% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
64.30%
-15.5% YoY
-13.9% QoQ
|
-10.23% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
19.26%
+9.0% YoY
+0.3% QoQ
|
-3.13% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.39%
+5.3% YoY
+94.7% QoQ
|
-0.06% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
15.89%
-23.8% YoY
-28.2% QoQ
|
+7.04% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.18%
-77.6% YoY
-71.7% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.80%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Tier 1 Capital Ratio
Current: 15.89% · Tier avg: 8.85%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.30% · Tier avg: 74.53%
65
65th pctile
Efficiency Ratio
Current: 60.70% · Tier avg: 67.73%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.26% · Tier avg: 22.39%
37
37th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
14
14th pctile
Total Loans
Current: $37.2M · Tier avg: $139.2M
13
13th pctile
Total Deposits
Current: $57.9M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $69.5M · Tier avg: $217.5M
0
0th pctile
Net Interest Margin
Current: 0.80% · Tier avg: 3.85%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 0.80% · Tier avg: 3.85%
12
12th pctile
Total Assets
Current: $69.5M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $57.9M · Tier avg: $183.7M
14
14th pctile
Total Loans
Current: $37.2M · Tier avg: $139.2M
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
37
37th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.26% · Tier avg: 22.39%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
65
65th pctile
Efficiency Ratio
Current: 60.70% · Tier avg: 67.73%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.30% · Tier avg: 74.53%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.89% · Tier avg: 8.85%