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Midland Federal Savings and Loan Association

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

Bridgeview, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -8.2% year over year ($100.1M on the books).
  • Delinquency rate 1.01%.
  • Return on assets -3.96%.
  • Efficiency ratio 179.26% vs a 64.48% peer average.
  • Loan-to-deposit ratio 49.41% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Midland Federal Savings and Loan Association has 1 strength but faces 4 concerns

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

  • + Net Interest Margin 0.08% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.4% in tier
  • - Deposit Outflow: Bottom 12.3% in tier
  • - Return on Assets 5.28% below tier average
  • - Delinquency Rate 0.09% above tier average
Get updates when Midland Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $111.2M
-8.6% YoY -4.3% QoQ
-$275.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 3.0% in tier
Total Loans ? $49.4M
+21.7% YoY +4.2% QoQ
-$208.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 3.0% in tier
Total Deposits ? $100.1M
-8.2% YoY -5.5% QoQ
-$226.7M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 5.4% in tier
Return on Assets ? -3.96%
-436.6% YoY +2.9% QoQ
-5.28% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 0.3% in tier
Net Interest Margin ? 4.07%
+20.8% YoY +14.2% QoQ
+0.08% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 179.26%
+54.8% YoY -3.0% QoQ
+114.78% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 0.3% in tier
Delinquency Rate ? 1.01%
-23.2% YoY -12.3% QoQ
+0.09% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 49.41%
+32.6% YoY +10.3% QoQ
-28.54% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 8.1% in tier
Non-Interest-Bearing Deposit Share ? 16.82%
-3.3% YoY +10.0% QoQ
-5.21% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.45%
+2.2% YoY -4.5% QoQ
-0.22% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 24.04%
-21.1% YoY +10.9% QoQ
+8.13% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 7.8% in tier
Non-Interest Income / Assets ? 0.43%
+702.6% YoY +59.3% QoQ
-0.14% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 12.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.8%
-0.6pp YoY
+1.5pp QoQ
 -5.3pp 22.1% 20.1% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 0.7%
-0.4pp YoY
+0.1pp QoQ
 -10.9pp 11.6% 14.7% 12.5% 3%
CRE 33.1%
-7.2pp YoY
 -6.5pp 39.5% 37.9% 41.4% 40%
1-4 Family 66.8%
+8.0pp YoY
+0.5pp QoQ
 +34.2pp 32.6% 28.3% 31.3% 93%
Consumer 0.3%
-0.1pp YoY
-0.3pp QoQ
 -3.8pp 4.1% 5.4% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 24.0%
-6.4pp YoY
+2.4pp QoQ
 +5.2pp 18.8% 19.9% 19.7% 87%
Leverage Ratio 8.5%
-1.4pp YoY
+0.3pp QoQ
 -3.7pp 12.2% 12.2% 12.6% 6%
Total Capital Ratio 25.1%
-5.8pp YoY
+2.5pp QoQ
 +5.2pp 19.9% 20.9% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 63
+27 (+75.0%) YoY
-5 (-7.4%) QoQ
 +4 58 228 482 66%
Assets per Employee ($) $1.8M
-47.7% YoY
+3.3% QoQ
 -$5.8M $7.5M $8.3M $8.8M 1%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.0%
-0.3pp YoY
-0.1pp QoQ
 +0.1pp 0.9% 1.1% 1.0% 72%
Allowance Coverage 0.88x
+146.3% YoY
+16.0% QoQ
 -23.27x 24.15x 5.62x 20.23x 23%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE -45.1%
-37.2pp YoY
+1.1pp QoQ
 -57.3pp 12.2% 10.5% 11.6% 0%
Cost of Funds (YTD) 0.7%
0.0pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.6% 1.7% 4%
Net Income ($, YTD) $-2272000.0
-409.4% YoY
— QoQ
 -$4.8M $2.6M $11.7M $40.4M 1%

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 (2)

Efficiency Drag

risk
#35 of 361 • Bottom 9.4% in tier

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

Why this signature
Efficiency Ratio: 179.26%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#67 of 535 • Bottom 12.3% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

206
Tier 1 Capital Ratio
capital
Value: 24.04%
Peer Median: 15.91%
#206 of 2643 Top 7.8% in $100M-$1B
214
Loan-to-Deposit Ratio
liquidity
Value: 49.41%
Peer Median: 77.95%
#214 of 2643 Top 8.1% in $100M-$1B
332
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#332 of 2643 Top 12.5% in $100M-$1B

Top Weaknesses (5 metrics)

2637
Return on Assets
profitability
Value: -3.96%
Peer Median: 1.32%
#2637 of 2643 Bottom 0.3% in $100M-$1B
2635
Efficiency Ratio
profitability
Value: 179.26%
Peer Median: 64.48%
#2635 of 2643 Bottom 0.3% in $100M-$1B
2566
Total Loans
size
Value: $49.44M
Peer Median: $258.35M
#2566 of 2643 Bottom 3.0% in $100M-$1B
2564
Total Assets
size
Value: $111.23M
Peer Median: $386.57M
#2564 of 2643 Bottom 3.0% in $100M-$1B
2501
Total Deposits
size
Value: $100.06M
Peer Median: $326.73M
#2501 of 2643 Bottom 5.4% in $100M-$1B
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