Middleton Community Bank

Headquarters

3207 Parmenter Street
Middleton, WI 53562
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Middleton Community Bank is an FDIC insured institution located in Middleton, WI. It was founded in 1995 and has approximately $0.3 billion in assets.

Middleton Community Bank merged with Monona State Bank.

FDIC Insured Yes
FDIC Certificate # 33978
Date Established 1995
Assets $ 304.42 million
Loans $ 176.88 million
Deposits $ 258.59 million
Capital $ 40.16 million
 

For a more detailed analysis of Middleton Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Middleton Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Middleton Community Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Middleton Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Middleton Community Bank Locations


Financial Details

Middleton Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Middleton Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Middleton Community Bank U.S. Bank Average
4.1% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Middleton Community Bank had $1,647,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $40,163,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 4.1%.

Return on Equity
Middleton Community Bank U.S. Bank Average
-1.5% 7.80%

Middleton Community Bank has a Return on Equity of -1.5% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Middleton Community Bank U.S. Bank Average
13.19% 12.68%

Middleton Community Bank has a Capitalization of 13.19% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Middleton Community Bank Balance Sheet Analysis

As of March 31, 2017, Middleton Community Bank had assets of $304,424,000, loans of $176,878,000, and deposits of $258,587,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 176.88 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 258.59 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 304.42 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Middleton Community Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wisconsin, Middleton Community Bank has a significantly higher percent of Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.78
Multifamily
Mortgages
1.84
Credit Card Loans 0.35
Consumer Auto Loans 0.17
Small Business Loans 0.00
Construction and Development Loans 3.39
Commercial Real Estate 42.67
Commercial and Industrial Loans 25.54
Farm Loans 6.24

Frequently Asked Questions About Middleton Community Bank

Branches and Savings

Is Middleton Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33978.

Why does Middleton Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Middleton Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Middleton Community Bank a commercial bank?

Yes

Where are Middleton Community Bank locations?

See branch locations nearby.

Is Middleton Community Bank open on Saturdays?

Is Middleton Community Bank open on Sundays?

What time does Middleton Community Bank open?

What time does Middleton Community Bank close?

Are Middleton Community Bank ATMs Open 24/7?

Do Middleton Community Bank ATMs accept cash deposits?

Can Middleton Community Bank customers use other ATMs?

Do Middleton Community Bank branches have notaries?

Will Middleton Community Bank notarize my document?

What address for Middleton Community Bank should I put for incoming ACH transfers?

Will the Middleton Community Bank branch print checks?

Do Middleton Community Bank checks expire?

Does Middleton Community Bank require US citizenship to open account?

Can Middleton Community Bank close my account?

Does Middleton Community Bank Report to credit bureaus?

Does Middleton Community Bank Use Equifax?

What is Middleton Community Bank's ACH Routing Number?

What is Middleton Community Bank's SWIFT code?

Products

Does Middleton Community Bank offer mortgages?

Compare mortgage rates here.

Does Middleton Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Middleton Community Bank offer personal loans?

Compare personal loan rates here.

Does Middleton Community Bank offer student loans?

Will Middleton Community Bank cash a check?

Will Middleton Community Bank redeem a savings bond?

Does Middleton Community Bank cash savings bonds?

Will Middleton Community Bank cash money orders?

Can Middleton Community Bank issue a money order?

Does Middleton Community Bank do currency exchange?

Background on The Bank

Who owns Middleton Community Bank?

How long has Middleton Community Bank been around?

Can Middleton Community Bank transfer to other banks?

Does Middleton Community Bank have quick pay?

Does Middleton Community Bank accept rolled coins?

Will Middleton Community Bank accept loose change?

Where is Middleton Community Bank headquarters?

Customer Reviews for Middleton Community Bank

There are currently no comments for Middleton Community Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →