BlastPoint's Banking Scorecard

Midland Federal Savings and Loan Association

$100M-$1B Specialty: Other IL FDIC cert 29980

Bridgeview, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Midland Federal Savings and Loan Association faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 7.1% in tier
- Efficiency Drag: Bottom 12.8% in tier
- NIB Deposit Bleed: Bottom 56.1% in tier
- Return on Assets 5.35% below tier average
- Net Interest Margin 0.37% below tier average
- Delinquency Rate 0.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$116.3M -4.0% YoY -0.4% QoQ	-$269.8M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 4.8% in tier
Total Loans ?	$47.4M +42.0% YoY +2.0% QoQ	-$208.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 2.6% in tier
Total Deposits ?	$105.9M -3.4% YoY +0.6% QoQ	-$222.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 7.3% in tier
Return on Assets ?	-4.08% -536.5% YoY -183.4% QoQ	-5.35%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 0.3% in tier
Net Interest Margin ?	3.56% +6.3% YoY +11.4% QoQ	-0.37%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	184.83% +61.9% YoY +39.8% QoQ	+119.55%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 0.3% in tier
Delinquency Rate ?	1.15% -30.2% YoY +5.0% QoQ	+0.27%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	44.79% +47.0% YoY +1.3% QoQ	-31.85%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 6.2% in tier
Non-Interest-Bearing Deposit Share ?	15.29% -16.6% YoY +0.4% QoQ	-6.73%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.47% +3.2% YoY +7.4% QoQ	-0.17%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	21.68% -37.9% YoY -8.8% QoQ	+5.85%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 10.5% in tier
Non-Interest Income / Assets ?	0.27% +918.5% YoY -60.7% QoQ	-0.01%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 8.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline

#37 of 506 • Bottom 7.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#54 of 414 • Bottom 12.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 184.83%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

NIB Deposit Bleed

decline

#112 of 198 • Bottom 56.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.29%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

167

Loan-to-Deposit Ratio

liquidity

Value: 44.79%

Peer Median: 76.64%

#167 of 2664 Top 6.2% in $100M-$1B

216

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.28%

#216 of 2664 Top 8.1% in $100M-$1B

280

Tier 1 Capital Ratio

capital

Value: 21.68%

Peer Median: 15.83%

#280 of 2664 Top 10.5% in $100M-$1B

Top Weaknesses (5 metrics)

2657

Efficiency Ratio

profitability

Value: 184.83%

Peer Median: 65.29%

#2657 of 2664 Bottom 0.3% in $100M-$1B

2657

Return on Assets

profitability

Value: -4.08%

Peer Median: 1.27%

#2657 of 2664 Bottom 0.3% in $100M-$1B

2596

Total Loans

size

Value: $47.44M

Peer Median: $255.72M

#2596 of 2664 Bottom 2.6% in $100M-$1B

2536

Total Assets

size

Value: $116.27M

Peer Median: $386.08M

#2536 of 2664 Bottom 4.8% in $100M-$1B

2470

Total Deposits

size

Value: $105.92M

Peer Median: $327.97M

#2470 of 2664 Bottom 7.3% in $100M-$1B