Is Midland Community Bank Safe?
Midland Community Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (64/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.87% | 100/100 |
| Nonperforming Loan Ratio | 1.12% | 78/100 |
| Liquidity Ratio | 30.98% | 100/100 |
| Return on Assets | 1.10% | 64/100 |
| Total Assets | $0.1B | |
How does Midland Community Bank compare?
With a Bank Health Score of 90/100, Midland Community Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Midland Community Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 19.87% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.12% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Midland Community Bank's Bank Health Score held roughly steady at 90/100. Tier 1 capital strengthened by 0.56 percentage points to 19.87%. Quarter-over-quarter, the score rose by 11.0 points.
Midland Community Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (64/100).