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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
90th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Not on file
Call-report figures are for The Middlefield Banking Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 887 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Middlefield Banking Company's published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 5.6% of revenue, above the 2.2% median of 887 banks with $1B to $10B in assets (90th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.1M in Q4 2025, 1.4% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for The Middlefield Banking Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 64 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $1.1M | +$12K | +1.1% |
| Q3 2025 | $1.1M | +$11K | +1.0% |
| Q2 2025 | $1.1M | +$72K | +7.3% |
| Q1 2025 | $989K | −$80K | −7.5% |
| Q4 2024 | $1.1M | +$110K | +11.5% |
| Q3 2024 | $959K | −$450K | −31.9% |
| Q2 2024 | $1.4M | +$939K | +199.8% |
| Q1 2024 | $470K | −$48K | −9.3% |
Financial cohort: 912 banks with $1B to $10B in assets filing for Q4 2025; 887 reported a share above 0% and are counted, The Middlefield Banking Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Middlefield Banking Company by share.
They stay out of every comparison until review is done.
per month · Imposed every statement cycle if balance falls below $2,500.00 any day of the cycle.
per month · Applies when account is not enrolled in e-statements. Waived for first 31 days after account opening.
per month · Applies when account is not enrolled in e-statements. Waived for first 31 days after account opening.
per month · Receive $2.00 credit with monthly direct deposit. Waived for first statement cycle.
per month · Charged each statement cycle. Can be waived by maintaining average daily balance of $5,000 or more.
per month · Applies when qualifications are not met. Waived for first statement cycle after account opening.
per month · For seniors (age 62+) and students (age 16-24). Automatically reduced to $3.95 beginning first statement cycle after attaining age 62. Increases back to $5.95 after student's 25th birthday.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Minimum Balance Fee (audience not stated, treated as personal) | $8 | per month | Imposed every statement cycle if balance falls below $2,500.00 any day of the cycle. |
| Monthly Paper Statement Fee (audience not stated, treated as personal) | $2 | per month | Applies when account is not enrolled in e-statements. Waived for first 31 days after account opening. |
| Monthly Paper Statement Fee (audience not stated, treated as personal) | $5 | per month | Applies when account is not enrolled in e-statements. Waived for first 31 days after account opening. |
| Monthly Service Fee (audience not stated, treated as personal) | $9.95 | per month | Receive $2.00 credit with monthly direct deposit. Waived for first statement cycle. |
| Monthly Service Fee (audience not stated, treated as personal) | $5.95 | per month | Charged each statement cycle. Can be waived by maintaining average daily balance of $5,000 or more. |
| Monthly Service Fee (audience not stated, treated as personal) | $5 | per month | Applies when qualifications are not met. Waived for first statement cycle after account opening. |
| Monthly Service Fee (Senior/Student) (audience not stated, treated as personal) | $3.95 | per month | For seniors (age 62+) and students (age 16-24). Automatically reduced to $3.95 beginning first statement cycle after attaining age 62. Increases back to $5.95 after student's 25th birthday. |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Middlefield Banking Company operates, and what regulators and customers have on file.
Branch footprint
21 offices in 1 state, $1.6B in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| 7 | $875.7M | |
| Outside a metro area | 4 | $285.6M |
| 3 | $211.5M | |
| 6 | $162.5M | |
| 1 | $62.5M |
Cleveland, OH
0.7% of bank deposits, #13 of 37.
| Largest competitors here | Deposit share |
|---|---|
| KeyBank National Association | 45.2% |
| The Huntington National Bank | 12.4% |
| PNC Bank, National Association | 8.4% |
| Citizens Bank, National Association | 6% |
| Third Federal Savings and Loan Association of Cleveland | 5.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In Cleveland, OH, The Middlefield Banking Company holds 0.7% of bank deposits, #13 of 37, with 7 offices.
645 offices of 88 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $128.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2023 to 2025
June 2025: 0.7% share, 7 offices, #13 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2025.
Credit unions, reported separately
117 offices of 51 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows