Midland Community Bank is a state-chartered bank headquartered in Kincaid, Illinois, in business for about 58 years. At the end of Q2 2026 it reported $68.8M in total assets and $56.6M in deposits, with 2 offices.
Based on its Q2 2026 filing, Midland Community Bank scores 88/100, which we describe as very strong. That is higher than 86% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 23rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (71/100; 12.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 82 |
| Q1 2025 | 88 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 72 |
| Q1 2026 | 86 |
| Q2 2026 | 88 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.05% |
| Q3 2024 | 15.24% |
| Q4 2024 | 15.09% |
| Q1 2025 | 15.42% |
| Q2 2025 | 15.60% |
| Q3 2025 | 15.91% |
| Q4 2025 | 11.06% |
| Q1 2026 | 11.51% |
| Q2 2026 | 12.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.90% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.80% |
| Q1 2026 | 1.71% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $68.8M | 12.11% | 0.00% | 1.66% | 64.9% |
| Q1 2026 | 86 | $69.0M | 11.51% | 0.00% | 1.71% | 66.3% |
| Q4 2025 | 72 | $69.5M | 11.06% | 0.72% | 0.80% | 64.3% |
| Q3 2025 | 87 | $65.2M | 15.91% | 0.31% | 1.03% | 74.7% |
| Q2 2025 | 87 | $66.5M | 15.60% | 0.31% | 0.90% | 72.4% |
| Q1 2025 | 88 | $67.0M | 15.42% | 0.18% | 0.87% | 71.6% |
| Q4 2024 | 82 | $65.6M | 15.09% | 0.49% | 0.63% | 76.1% |
| Q3 2024 | 80 | $68.0M | 15.24% | 0.70% | 0.71% | 79.5% |
| Q2 2024 | 78 | $69.1M | 15.05% | 1.12% | 0.78% | 75.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Elmwood, IL | 33 out of 100, Low | $66.9M | 8.2% | 4.30% | vs |
| The First National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $66.3M | 12.5% | 0.11% | vs |
| 1st Community BankBank Sherrard, IL | 68 out of 100, Moderate | $65.3M | 10.0% | 0.49% | vs |
| State Bank of IndustryBank Industry, IL | 86 out of 100, Very strong | $64.3M | 14.2% | 0.44% | vs |
| The State Bank of Pearl CityBank Pearl City, IL | 71 out of 100, Strong | $73.4M | 11.3% | 0.69% | vs |
| Anchor State BankBank Anchor, IL | 84 out of 100, Strong | $73.5M | 12.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Midland Community Bank?
Yes. Midland Community Bank is an FDIC-insured institution (FDIC certificate #19796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.0% of deposits ($6.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.24% (benchmark: 10%).
2 locations
Branches
Midland Community Bank lists 2 offices in 2 cities. Most locations:
- Kincaid, IL (1)
- Taylorville, IL (1)
Identity & history
Profile
- Legal name
- Midland Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19796
- RSSD ID
- 822631
- Primary regulator
- FDIC
- Holding company
- United Community Bcorp Inc
- Established
- March 29, 1968
- Headquarters
- 112 Market St, Kincaid, IL 62540
- Website
- www.mcbbank.net
- Employees
- 11
Quick answers
Midland Community Bank: common questions
Is Midland Community Bank FDIC insured?
Yes. Midland Community Bank is an FDIC-insured institution (FDIC certificate #19796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Midland Community Bank's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Midland Community Bank ever failed?
There is no failure record for FDIC certificate #19796 in the FDIC failed bank list.
How many branches does Midland Community Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kincaid
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Heartland Credit UnionCredit union Springfield, IL | 89 out of 100, Very strong | $573.7M | 13.7% | 0.25% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Springfield City Employees Credit UnionCredit union Springfield, IL | 85 out of 100, Very strong | $12.8M | 17.1% | 0.33% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |