Middletown State Bank
Middletown, IL·RSSD 770545·FDIC 10463·bank:770545·Risk-based ratios where reported
- #306 of 330Total assets in Illinois
- 3offices
- 7employees
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Middletown State Bank
3 of 23 FORFI signals stand out against 591 similar banks, based on FDIC data for the quarter.
Noninterest-bearing deposit share falling while the peer median holds steadyWorth a look: Funding14.7%peers 23.2%-8.4 pp
Middletown State Bank's share of deposits that pay no interest fell 69.2 percentage points over the past year to 14.7%. Among 545 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 14.7% | 23.2% | -8.4 pp |
| 12-month change | ||
| -69.2 pp | 0.0 pp | -69.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Middletown State Bank itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings4.58%peers 3.84%+74 bps
Middletown State Bank's net interest margin rose 121 bps over the past year to 4.58%. Among 580 similar banks, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.58% | 3.84% | +74 bps |
| 12-month change | ||
| +121 bps | +15 bps | +106 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Middletown State Bank itself is left out of every peer median and percentile. How signals work
Where Middletown State Bank differs most from peers
Unrealized securities position worsening while the peer median improvesContext: Capital-0.3%peers -3.1%+2.7 pp
Middletown State Bank's unrealized securities gain or loss relative to Tier 1 capital fell 0.3 percentage points over the past year to -0.3%. Among 585 similar banks, the median rose 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -0.3% | -3.1% | +2.7 pp |
| 12-month change | ||
| -0.3 pp | +2.1 pp | -2.5 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Middletown State Bank itself is left out of every peer median and percentile. How signals work
1 more observation
- Borrowed funding falling while the peer median holds steadyFunding
Key facts
- Middletown State Bank is a bank headquartered in Middletown, Illinois. It reported $45.4 million in total assets for the quarter ended March 31, 2026.
- Deposits totaled $39.3 million, up 10.9% from a year earlier, and loans totaled $31.3 million, up 7.4%.
- Its net interest margin was 4.58% and its annualized return on assets was 1.19% for the quarter.
- Its cost of all deposits was 1.98%, compared with a median of 1.51% among 551 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Middletown State Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Middletown State Bank · Bank
- Federal Reserve RSSD
- 770545
- FDIC certificate
- 10463
- Reporting period
- Peer group
- 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Middletown State Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $134K | — | |
| $679K | — | |
| $203K | — | |
| $476K | — | |
| $10K | — | |
| $302K | — | |
| $0 | — | |
| $2K | — | |
| 1.19% | 1.18%ROAQ · Quarter | |
| 4.58% | 4.51%NIMYQ · Quarter | |
| 62.14% | 58.44%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.