Midstate Community Bank


6810 York Road
Baltimore, MD 21212
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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

Midstate Community Bank is an FDIC insured institution located in Baltimore, MD. It was founded in 1884 and has approximately $0.16 billion in assets.

FDIC Insured Yes
FDIC Certificate # 29930
Date Established 1884
Assets $ 165.12 million
Loans $ 95.20 million
Deposits $ 136.72 million
Capital $ 24.33 million

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

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Midstate 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
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $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 Midstate Community Bank
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Financial Details

Midstate Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Midstate 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
Midstate Community Bank U.S. Bank Average
21.24% 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, Midstate Community Bank had $2,416,000 in non-current loans and $2,903,000 in owned real estate. To cover these potential losses it had $24,331,000 in equity and $710,000 in loans loss reserves. That gives it a Texas Ratio of 21.24%.

Return on Equity
Midstate Community Bank U.S. Bank Average
2.31% 7.80%

Midstate Community Bank has a Return on Equity of 2.31% 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.

Midstate Community Bank U.S. Bank Average
14.74% 12.68%

Midstate Community Bank has a Capitalization of 14.74% 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.

Midstate Community Bank Balance Sheet Analysis

As of September 30, 2017, Midstate Community Bank had assets of $162,234,000, loans of $95,198,000, and deposits of $136,722,000. 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
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 $ 95.20 million
Loan loss allowance $ 0.71 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.90 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 136.72 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 $ 165.12 million

Summary Income Statement

March 31, 2020
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 Midstate Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Maryland, Midstate Community Bank has a significantly higher percent of 1-4 Family Residential 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 91.24
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 2.64
Commercial Real Estate 5.02
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Midstate Community Bank

Branches and Savings

Is Midstate Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29930.

Why does Midstate 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 Midstate Community Bank CD rates not competitive?

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

Is Midstate Community Bank a commercial bank?


Where are Midstate Community Bank locations?

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Is Midstate Community Bank open on Saturdays?

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Are Midstate Community Bank ATMs Open 24/7?

Do Midstate Community Bank ATMs accept cash deposits?

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Do Midstate Community Bank branches have notaries?

Will Midstate Community Bank notarize my document?

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

Will the Midstate Community Bank branch print checks?

Do Midstate Community Bank checks expire?

Does Midstate Community Bank require US citizenship to open account?

Can Midstate Community Bank close my account?

Does Midstate Community Bank Report to credit bureaus?

Does Midstate Community Bank Use Equifax?

What is Midstate Community Bank's ACH Routing Number?

What is Midstate Community Bank's SWIFT code?


Does Midstate Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Midstate Community Bank offer personal loans?

Compare personal loan rates here.

Does Midstate Community Bank offer student loans?

Will Midstate Community Bank cash a check?

Will Midstate Community Bank redeem a savings bond?

Does Midstate Community Bank cash savings bonds?

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Does Midstate Community Bank do currency exchange?

Background on The Bank

Who owns Midstate Community Bank?

How long has Midstate Community Bank been around?

Can Midstate Community Bank transfer to other banks?

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Where is Midstate Community Bank headquarters?

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