MASHINIi

Middlefield Banc Corp..

MBCN.US | Other monetary intermediation

Middlefield Banc Corp. operates as the bank holding company for The Middlefield Banking Company. The bank provides a range of commercial and retail banking services to individuals, small businesses, and corporate customers. Its deposit products include checking, savings, and money market accounts, a...Show More

Ethical Profile

Mixed.

Middlefield Banc Corp. experienced a cyberattack in April 2023, allegedly compromising employee and customer names, Social Security numbers, and financial data. Employee reviews suggest "average or slightly below average pay," with Glassdoor ratings showing low satisfaction for culture (2.3/5) and diversity (2.0/5); its DEI rating is reportedly 45.1% below the financial sector average. While the company holds an A+ BBB rating and a Code of Ethics, critics point to a "High" Sustainalytics ESG risk rating. The bank reported $27.3 million in green lending and $12.5 million in renewable energy investments in 2023, yet its DitchCarbon score is lower than 80% of its industry peers.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect-70
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-40
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-20
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

Middlefield Banc Corp. (MBCN.US) operates as a bank holding company, providing commercial and retail banking services such as checking, savings, loans, and wealth management.

1
Its core business activities are financial in nature and do not inherently have a direct positive or negative impact on health outcomes. While Health Savings Accounts (HSAs) are offered,
2
these are financial instruments for health expenses, not health products or services themselves. No evidence suggests the company's operations generate significant health externalities, require specific health risk disclosures, or involve R&D focused on health improvement. Therefore, all KPIs related to health impact, harmful revenue, safety, accessibility, transparency, innovation, externalities, equity programs, workforce support, preventative measures, data responsibility, crisis response, mental health, patents, nutrition, education, addiction, or clinical trials are assessed as neutral or not applicable based on the nature of its business and the absence of specific health-related evidence.

Fair Money & Economic Opportunity

0

No specific, concrete data points were found across the provided articles to assess the company against the defined KPIs for Fair Money & Economic Opportunity. Information regarding underserved client share, pricing fairness, exploitative fee exposure, inclusion initiatives, data accessibility, fair lending compliance, wealth building outcomes, profit reinvestment, financial literacy initiatives, debt burden ratio, geographic inclusion, and product simplicity was either not explicitly stated, too vague, or not directly applicable to the quantitative thresholds of the rubric.

1

Fair Pay & Worker Respect

-70

As of December 31, 2011, none of the company's 103 full-time equivalent employees were represented by a collective bargaining group.

1
Employee reviews from 2025 indicate an overall satisfaction rating of 2.8 out of 5 stars and a culture rating of 2.9 out of 5 stars.
2
Glassdoor reviews from 2025 show an overall rating of 2.638% would recommend to a friend, with a culture & values rating of 2.3 out of 5 and senior management rating of 2.3 out of 5.
3
Employee reviews also explicitly state a high turnover rate, with one review mentioning it went to an all-time high due to a new HR manager.
4

Fair Trade & Ethical Sourcing

0

Middlefield Banc Corp. is a financial institution, and the provided articles, primarily Codes of Ethics and proxy statements, do not contain any specific quantitative data or information related to fair trade certifications, supplier audits, forced or child labor incidents, supply chain traceability, remediation speed for sourcing violations, ethical sourcing clauses in supplier contracts, high-risk materials, or supplier diversity spend.

1
Given the nature of the company's business, these KPIs are not applicable as it does not procure or trade physical commodities, nor does it have a supplier base requiring welfare or sourcing audits in the context of this value.

Honest & Fair Business

-40

Middlefield Banc Corp.'s 2024 Code of Ethics includes a prohibition of retaliation against whistleblowers and a requirement to report suspected violations, indicating a basic policy is in place.

1
The company's Corporate Governance Guidelines state that a majority of directors must be independent, consistent with NASDAQ and SEC rules.
2
The Code of Ethics also covers anti-competitive activities, conflicts of interest, and restrictions on gifts and business entertainment, suggesting an anti-corruption policy is in place, though specific details on training frequency or effectiveness metrics are not provided.
3

Kind to Animals

0

No evidence available to assess Middlefield Banc Corp. on Kind to Animals.

No War, No Weapons

0

Middlefield Banc Corp. operates as a bank holding company providing commercial and retail banking services.

1
Its core business does not involve defense or arms-related activities.
2
The company's ESG policy includes negative screening to exclude companies in ethically contentious industries, such as military weapons, from its investment process.
3
This indicates that the company has no revenue from arms or defense contracts, no need for ethical red lines regarding weapons, no exposure to controversial weapons, and no defense assets to divest.

Planet-Friendly Business

0

No specific, quantifiable data points were found in the provided articles that directly correspond to the defined KPIs for Planet-Friendly Business. Information such as a carbon footprint reduction percentage or renewable energy investment amounts were present, but not in a format that could be mapped to the rubric's specific quantitative thresholds for total emissions or percentage of operational energy from renewables.

1
Articles and explicitly state that no data is available for any of the listed environmental KPIs.
2
Therefore, all KPIs for this value have been omitted.

Respect for Cultures & Communities

0

The provided articles, including investor presentations, financial reports, and ESG data from Sustainalytics, do not contain specific, concrete data points for any of the KPIs related to 'Respect for Cultures & Communities'. While Article 2 mentions a general 'Controversy Level: None',

1
this is not specific enough to be mapped to the quantitative thresholds of the 'cultural_appropriation_incidents' KPI, which requires a number and severity of incidents. Similarly, no evidence is provided for formal partnerships, revenue reinvestment, cultural impact assessments, local employment ratios, or any other specific metric. Therefore, no KPIs can be scored based on the available evidence.

Safe & Smart Tech

-20

Middlefield Banc Corp. experienced a cyberattack in April 2023, resulting in unauthorized access to sensitive employee and customer data, including names, Social Security numbers, financial account information, medical information, and passport numbers.

1
The incident occurred between April 11-12, 2023, but affected individuals were not determined until November 21, 2023, and notification letters were sent on December 21, 2023, indicating a slow disclosure.
2
The company conducts vulnerability assessments, penetration testing, and social engineering tests via third-party vendors, and provides employee security training, including phishing simulations, through a third-party vendor.
3
It states compliance with federal law regarding data sharing and other banking regulations.
4
Customers can limit some data sharing with affiliates for creditworthiness and marketing purposes, but not all sharing.
5

Zero Waste & Sustainable Products

0

No evidence available to assess Middlefield Banc Corp. on Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.