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This institution is no longer active

Operations ceased on March 2, 2026. CRA examination history below reflects the period it was active.

THE MIDDLEFIELD BANKING COMPANY

MIDDLEFIELD, OH · Supervised by FDIC

Est. 1902FDIC #13,716RSSD: FDIC-13716
Part ofMIDDLEFIELD BANC CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

15985 E High St, MIDDLEFIELD, OH

County

Geauga County

Established

March 15, 1902

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.5B

Net Loans

$1.6B

Net Income

$26M

ROA

1.34%

ROE

11.53%

Risk-Based Capital

15.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate20.82%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$1.6B

1-Year Change

0

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,07166.76%20.82%
20231,01068.02%19.50%
20221,15766.55%20.92%
20211,35666.96%18.95%
20201,38366.45%17.14%
20191,29666.67%21.91%
20181,44964.53%22.29%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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