# MIDLAND COMMUNITY BANK
KINCAID, IL · FDIC certificate 19796 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $68.8M | |
| Deposits | $56.6M | |
| Loans and leases | $36.9M | |
| Total equity | $12.0M | |
| Loans / deposits | 64.86% (p37 of band) | 73.59% |
| Liquid assets / assets | 37.86% (p59 of band) | |
| Uninsured deposits / deposits | 11.99% (p21 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.11% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -12.52% (p34 of band) | -6.57% |
| AOCI / equity | -0.76% (p34 of band) | |
| ROA (annualized) | 1.66% (p75 of band) | 1.17% |
| Net interest margin | 4.73% (p84 of band) | 3.93% |
| Efficiency ratio | 52.11% (p17 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.27% (p94 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 5.29% (p30 of band) | |
| Auto loans | $359,000 (0.97% of loans; DQ 3.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 0 |  | capital falling, reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | capital falling, reserve under noncurrent |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 1 | capital falling | reserve under noncurrent |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking | AOCI drag >20% of equity, reserve under noncurrent |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 5 | reserve under noncurrent | charge-offs p90 |
| 2023-12 | 5 |  |  |
| 2024-03 | 6 | noncurrent p90 |  |
| 2024-06 | 5 |  | noncurrent p90 |
| 2024-09 | 3 |  | securities losses >30% of equity, assets shrinking |
| 2024-12 | 4 | securities losses >30% of equity, assets shrinking | reserve under noncurrent |
| 2025-03 | 0 |  | deposits shrinking, uninsured deposits leaving, securities losses >30% of equity, assets shrinking |
| 2025-06 | 1 | deposits shrinking |  |
| 2025-09 | 0 |  | deposits shrinking |
| 2025-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2026-03 | 1 | charge-offs p90 | NIM <2.5%, reserve under noncurrent |
| 2026-06 | 1 |  |  |

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

- 2025-05-19 [United Community Bancorp To Acquire Midland Community Bank - Taylorville Daily News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVTRTS3RESEtjdWlMSkltUVN3akE2VlhFdm4zdGlzQVBXTlZNMXFaV0VCUmRnN29YNkhieWhMdVVlR0J3WGdUSmNQWlJqc0NtM1QxWjMxRnZoV1ViTHdESEFUQWxkamFrbzlaOWx0VnhlU2QtbndxNGVwS3I2OFd1dGZST0lLN2pUdXRVakdDSVl1WExwQTkwWG01NWw?oc=5) · Taylorville Daily News
- 2025-05-12 [UCB to acquire Midland Community Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPeW42UHp6MmJYQl9PNGFZYkI5QU9sTnd5VTh0bVNxckd1aTBMQ2hCaU45bUNiUDl0WDVZZlBvb0loSTg0LWZQMVRFeFFmY0Ffa3VBZjV0Mk9DRnJUX2szVWg2ZVBKNHVaNDc3NWx1bWlVdUpvaEpxWWpSU2NmYkxUR1BnQ1VXOFFXblA3WklXTUNmNWF6MmNlMV9TTWdfczg?oc=5) · springfieldbusinessjournal.com
- 2026-03-23 [UCB Names David Drennan President, Brings Back Kayla Mahaffay-Musson as CFO - RiverBender.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNVnA5NkE4dG9Yd3BKMW5yN3RySmljQUFaS1gwZ3BkanVSN1N0eG1DVmIweFUtUjlVVGNoWDNHcTBBSmZ4WXVTdU5KcUFKVE0xbG1SVkZEZlQxbW5CamppSU9QQmw4VVlBc3lqNnVEaHlJUi1xLXZ6U0RkRTRTaTQ5cXo1SjQzMlBObWtzZFBsWktDNFY1elJOOE8xSUNTb3lyN01DWU16RjJsRi0zUnNZUUxjcjBSekk1Zms2VTVhUFEtZw?oc=5) · RiverBender.com
- 2023-09-18 [Robert Shaver Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQZG9UOFBTVV9wQmxHbGVUenBlMjRQbkZFTkJtUzNQVmRLemMzQzZQckY3cXBrUmRPN05ZcHRRSUhlUWV5dzg4UktwUmhhUHdtQkx5QWlwa2hKeUMxY2syYU5UNVZsS3ZQNXBLWjVsSjRjbkJqVjlNYS1jMmJ2VnNzUzlXbGhzSjg?oc=5) · Dignity Memorial
- 2024-05-28 [Alex "Sam" Szabo Obituary (2024) - Kincaid, IL - Masterson Funeral Home - Kincaid - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE8xVHE2ckdrR3RzbTJQa2ZhRjg1ZFlpVnhJckM5ck5fRXM5ajRRZUFBMkxoenhlS29RZWR2TG9VLTc4Y0ViYmlMczZlQldFWkNYLU1xYlNGbkhuVGxZdG9YZG5WZjhoTFFYa3FmSllBZ2lzSUdJR1NWdjZPNXQxUQ?oc=5) · legacy.com
- 2023-10-12 [Redskins Go Pink In Edinburg - thejournal-news.net](https://news.google.com/rss/articles/CBMigAFBVV95cUxOVTRXdWhwcHdYY09rbktOcWV6SnRxRVlhNkJFUC1hd0tKV0g5dndoN3NBdlI0LXVXUnozMDlwQlBDZUg1QWoxclhlbVN3M0VhR0QyRDh0VDhCNzdTSDBDMm10dUs1RjlobndzamNoMVlZbUR5U0lUbVAxSGRodTF5SQ?oc=5) · thejournal-news.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19796 (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 "19796", 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.

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