MIDDLEFIELD BANC CORP

Middlefield Banc Corp. is a bank holding company headquartered in Middlefield, Ohio, that operates The Middlefield Banking Company, a regional commercial bank serving northeastern and central Ohio. The company provides traditional banking products including checking, savings, money market, and certificate of deposit accounts, along with IRA accounts and safe deposit services. It also offers online banking and bill payment services to individual customers and online cash management solutions for business clients.

The bank's lending operations represent a substantial portion of its business. Commercial lending includes operational and working capital loans, term business loans, and small business financing through selected guaranteed or subsidized loan programs. Real estate lending encompasses residential mortgages, residential construction loans, and commercial real estate financing. Consumer lending covers installment loans for home improvements, automobiles, boats, and personal expenditures, as well as agricultural loans and financing for capital purchases. The company also provides supplemental services such as official checks, money orders, and ATM access.

Founded in 1901, Middlefield Banc Corp. operates as a regional financial institution with a focus on serving small to medium-sized businesses, professionals, and retail customers across its operating territory in Ohio. The company's business model centers on traditional community banking practices targeting local market segments rather than national or specialized banking niches.