Middlefield Banc Corp. (MBCN)

Middlefield Banc Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	97.3	92.57	81.96	48.51	47.9	49
Interest Income on Investments	8.45	8.7	8.34	6.39	4.44	3.64
Total Interest Income	105.76	101.26	90.3	54.91	52.34	52.64
Interest Paid on Deposits	34.23	33.26	19	4.02	3.91	8.96
Interest Paid on Borrowings	4.87	7.32	6.1	0.71	0.28	0.29
Total Interest Expense	39.1	40.58	25.1	4.73	4.2	9.25
Net Interest Income	66.66	60.68	65.2	50.18	48.14	43.39
Net Interest Income Growth (YoY)	10.17%	-6.94%	29.95%	4.23%	10.95%	4.84%
Gain (Loss) on Sale of Investments	0.03	-0.01	-0.16	-0.17	0.21	-0.1
Other Non-Interest Income	3.52	3.12	3.05	3.05	2.33	2.07
Total Non-Interest Income	8.55	7.21	6.69	6.75	7.21	5.99
Non-Interest Income Growth (YoY)	23.86%	7.80%	-0.81%	-6.38%	20.30%	23.73%
Revenues Before Loan Losses	75.2	67.89	71.89	56.92	55.35	49.38
Provision for Loan Losses	-0.2	2.01	3	-	0.7	9.84
Revenue	75.4	65.89	68.89	56.92	54.65	39.54
Revenue Growth (YoY)	16.60%	-4.37%	21.03%	4.17%	38.21%	-12.79%
Salaries and Employee Benefits	25.79	24.27	24.25	17.24	16.67	15.69
Federal Deposit Insurance	1.09	1.06	0.86	0.33	0.49	0.42
Amortization of Goodwill & Intangibles	1.37	1.23	1.15	0.52	0.68	0.68
Selling, General & Administrative	12.73	12.26	12.43	9.65	9.38	8.32
Other Non-Interest Expense	9.05	8.63	8.46	6.01	4.71	4.85
Total Non-Interest Expense	50.03	47.54	47.66	35.65	31.95	29.79
EBT Excluding Unusual Items	25.37	18.34	21.23	21.28	22.7	9.75
Pretax Income	25.37	18.34	20.76	18.89	22.7	9.75
Income Tax Expense	4.21	2.83	3.39	3.22	4.07	1.4
Net Income	21.16	15.52	17.37	15.67	18.63	8.35
Net Income to Common	21.16	15.52	17.37	15.67	18.63	8.35
Net Income Growth	48.83%	-10.65%	10.81%	-15.89%	123.18%	-34.32%
Basic Shares Outstanding	8	8	8	6	6	6
Diluted Shares Outstanding	8	8	8	6	6	6
Shares Change (YoY)	0.14%	-0.49%	34.44%	-2.68%	-3.02%	-1.51%
EPS (Basic)	2.62	1.92	2.14	2.60	3.01	1.31
EPS (Diluted)	2.61	1.92	2.14	2.59	3.00	1.30
EPS Growth	48.42%	-10.28%	-17.37%	-13.67%	130.77%	-33.33%
Dividend Per Share	0.830	0.800	0.800	0.710	0.650	0.600
Dividend Growth	3.75%	-	12.68%	9.23%	8.33%	5.26%
Effective Tax Rate	16.60%	15.40%	16.32%	17.04%	17.91%	14.37%

Updated Oct 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q