# MIDDLEFIELD BANKING CO
MIDDLEFIELD, OH · FDIC certificate 13716 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.90B | |
| Deposits | $1.47B | |
| Loans and leases | $1.59B | |
| Total equity | $234.4M | |
| Loans / deposits | 106.03% (p93 of band) | 86.41% |
| Liquid assets / assets | 10.68% (p7 of band) | |
| Uninsured deposits / deposits | 37.66% (p68 of band) | 31.00% |
| Brokered deposits | 1.22% | |
| Wholesale funding | 10.59% (p66 of band) | |
| FHLB advances / assets | 9.20% | |
| Tier 1 leverage | 11.02% (p65 of band) | 10.37% |
| Unrealized securities loss / equity | -8.77% (p43 of band) | -7.29% |
| AOCI / equity | 1.63% (p31 of band) | |
| ROA (annualized) | 1.34% (p67 of band) | 1.12% |
| Net interest margin | 3.92% (p70 of band) | 3.59% |
| Efficiency ratio | 59.79% (p48 of band) | |
| Noncurrent loans | 1.07% (p78 of band) | 0.50% |
| Net charge-offs (annualized) | -0.03% (p1 of band) | |
| Reserve coverage of noncurrent | 133.38% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 41.34% (p42 of band) | |
| Auto loans | $847,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $511,000 (0% of equity) (p74 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 236 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | leverage <7% |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent, capital falling |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 3 | loans exceed deposits, capital falling |  |
| 2017-09 | 1 |  | loans exceed deposits, capital falling |
| 2017-12 | 2 | loans exceed deposits |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2018-12 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2019-03 | 3 | brokered >10% |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 | assets shrinking | wholesale funding >15%, brokered >10% |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 2 | capital falling, charge-offs p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | capital falling, charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, deposits shrinking |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity, deposits shrinking |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | loans exceed deposits |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2024-12 | 3 | loans exceed deposits | capital falling |
| 2025-03 | 2 |  | loans exceed deposits |
| 2025-06 | 1 |  | noncurrent p90 |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 1 | loans exceed deposits | reserve under noncurrent, noncurrent p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-12-01 [Middlefield Banking Co.'s acquisition of Liberty National Bank is now complete - Crain's Cleveland](https://news.google.com/rss/articles/CBMisAFBVV95cUxOLW1GSXlTOGlVTGlNb0FXcHFicGRIaTBqNURoVmZmUnRFYndoV0FVWDJESl96dXdwRUl3V2N1X3NpT3B0bVowbHkzNkkzQzVUV1ZNQmNfcjZhNE9IRUszMEN4YXpfM1JYZGFjdmlkTlpDTlRHeVFLcm1Oc0RnR1pVc01GRDJtdm9SRmVLdUUyOXhNNTBWT0JsSXR2YVo1dXAwZXhkQTdOaFpzVENQZWFIRw?oc=5) · Crain's Cleveland
- 2016-07-29 [Middlefield Banking Co. Agrees to Buy Liberty Bank - Business Journal Daily](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNLXppR2otdC1JcE9ELU5Fd0tRZWNEc3JnVnpBZU5VczNQSVRkQ0RoMHhnVE9XQU5wV25XTUtWU1dsUTlwbm1FcWtSaUFGRC0tUnRTU29DSnpCWGV5YU81eXNuMmc1dEQwazdkUVdnT2V6TFVyU1VFUVVYMkY3NGVfcWtlUlNPZVhxTk5J?oc=5) · Business Journal Daily
- 2025-02-12 [Dublin bank names new CEO to lead next stage of growth - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQVWVrMUdIYWpMZUZKRGVTRHp0ZFV4TVJQOU5EbC12Z1o4Y21FczViTFpVSmJmdG5iaUlDSENHcWlxNWl6NU12SV9nNTQ1SWdUVDkxTFlFdHd6WktRZEpnNjREbTltWkV6OUU0UmNDZzRaWVhwT1BzUlpSNGlKWUtRbGgwVVJhWkVRa091YjZKVzh3WTViYW1xNXBtQ2VqZw?oc=5) · The Business Journals
- 2025-08-05 [Middlefield Bank names new Northeast Ohio commercial banking leader - Crain's Cleveland](https://news.google.com/rss/articles/CBMitwFBVV95cUxQcGRmQVA0S1lrZVpOczRxUVlVeWJ1bUhUeFB5aWNfQnRqRWlyTTRqaFFhOEx1TlNTZHpIdDRqWTZVbTAwaXkwZWE0REtWNHhfNjFhYldBcjhqWWdwOGRZbUNSTEdzYU5odjFRcF9Lb21MQ2d4Wk1idVdLUUtReG5SeXRhOWZDWkV1di11M3UwUWpDSWRaSlB3VnhtLUJYZ29mc2RfeDZQOWIwSlJvTXV1QVkyWGo4TlU?oc=5) · Crain's Cleveland
- 2017-06-07 [All but one Cleveland-area bank now ranks high for financial strength - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdG9KRjRRSENqUEx3ZUZCMHNZdTlEVFduUGg5Q0wzUXptRllQbzROOVBBQ0NELVV0N1dYQ2ZHeDZYVjQzVlhzdmx6UXNRSExoRUlrWm9Ia0tCRVZ5bHpFbGRMN285d1pQRWFCdzRGdEE5ZXBTSWc0TUNXVW5vSk1YVG1venM?oc=5) · Cleveland.com
- 2024-01-04 [Middlefield Bank recruits a chief banking officer from FNB Corp., names new chief credit officer - Crain's Cleveland](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMDlMRTJlc3RETkt2S3RXbFhwckhRcDVueFlIaHBPSzktdWRpaXYtX1llbHVlR2N4czNIeVFmSDRFZXBkN0pMMEFkS2hLTE9hVnJzeFQzemxwb3N0R2pnYUN2bDE3RGt4eFRBZlYzYk9aVGNqbmFDVC1zRzEtVXh0MnJBU2FXUlhWeXRVNjF0Qnd6MEVvQXhqa1N2Q2RVUkRyUmQ5cnRLcFdPd01pZkF5Ng?oc=5) · Crain's Cleveland
- 2023-02-14 [Middlefield Banc picks new chief financial officer - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQWsyelFTckRlbjNSZThWWVpBaVpDNVFhQ3FHQkRUbjVuUHR2MFlpYUg1SmF2TXlNWEFjenE1blNhTVNJbS0tY0ZlT3ZyUVZtaWs2Wi1obmpxaXRzRnY4Z3Nwb1NQYVNBbHJDaDNiNmFESVM5TkVSM3JFYXVDaW01UThZeVFxZ3NSX0tjclhQLXNvOHc0cjZuZ1dMdktkX3B6T2ItdWZHa240OGh3Y0E?oc=5) · The Business Journals
- 2025-07-16 [Ohio City townhomes may be stalled into 2026 - NEOtrans](https://news.google.com/rss/articles/CBMihgFBVV95cUxPY1QzQllvR2o1Mzd1WEFoTjhWcnU0WTJkN0JhN3llZWgwTFRPQU40VzRMWURrdDMteGU4Vm9ucFplWTlTTHYzZ0FLT0JoMk1SblhVeEFLV1g2SkxESnU1bWlIUXJtVUVncjUta2JSaW1oc2I2Y0o1dFRocTllR2pTa1VBeU5FQQ?oc=5) · NEOtrans

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13716 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "13716", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide