Bridgeview, IL · Cert 29980 · Midland Capital Holdings Corp.
SL · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
68
Profitability
24
Liquidity
0
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bridgeview, IL · Cert 29980 · Midland Capital Holdings Corp.
SL · OCC · 4 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #118 of 147 inst. · $0.1B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.51% | -2.08% | -0.64% | -0.74% | -1.04% | -1.44% | -4.08% | -3.96% | -322 bps | |
| Return on Equity | -27.79% | -23.11% | -7.20% | -7.97% | -11.04% | -15.37% | -46.27% | -45.13% | -3,717 bps | |
| Net Interest Margin | 2.74% | 2.53% | 3.19% | 3.22% | 3.40% | 3.11% | 3.39% | 3.95% | +73 bps | |
| Efficiency Ratio | 188.52% | 177.54% | 114.17% | 115.78% | 123.21% | 132.21% | 184.83% | 179.26% | +6,348 bps | |
| Non-Interest Burden | 5.29% | 4.59% | 3.66% | 3.74% | 4.21% | 4.33% | 7.17% | 7.75% | +401 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | 2.41% | 4.48% | 5.84% | 4.69% | -2.62% | -3.96% | -8.56% | -1,440 bps | |
| Loan Growth (YoY) | -9.77% | 2.81% | 41.74% | 77.80% | 81.20% | 88.67% | 42.75% | 22.23% | -5,556 bps | |
| Deposit Growth (YoY) | -3.90% | 2.29% | 4.35% | 4.88% | 4.28% | -3.03% | -3.38% | -8.23% | -1,311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.20% | 2.34% | 1.65% | 1.31% | 1.38% | 1.09% | 1.14% | 1.00% | -31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.30% | 0.27% | 0.35% | 0.47% | 0.66% | 0.73% | 0.87% | 0.89% | +42 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.2x | 0.4x | 0.5x | 0.7x | 0.8x | 0.9x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.58% | 9.00% | 8.83% | 9.89% | 9.61% | 9.10% | 8.19% | 8.50% | -140 bps | |
| Total Risk-Based Capital | 52.85% | 42.39% | 35.31% | 30.94% | 27.50% | 24.53% | 22.62% | 25.14% | -580 bps | |
| Equity / Assets | 9.41% | 8.81% | 8.99% | 9.98% | 9.72% | 9.32% | 8.31% | 8.69% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 21.54% | 22.88% | 30.58% | 37.43% | 37.43% | 44.52% | 45.18% | 49.85% | +1,243 bps | |
| Liquid Assets / Assets | 61.43% | 63.20% | 54.95% | 55.90% | 55.31% | 48.34% | 47.32% | 42.96% | -1,293 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 125.24% | 129.36% | 163.76% | n/a | n/a | |
Bridgeview, IL · Cert 29980 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Midland Capital Holdings Corp.
SL · OCC · 4 branches
Q2 2026
Return on Assets
-4.09%
Rank 57 of 57
Net Interest Margin
3.95%
Rank 16 of 57
Efficiency Ratio
179.26%
Rank 57 of 57
Equity / Assets
8.69%
Rank 48 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.09% | 0.51% | 0.84% | 1.19% | Beats 0% | 57 / 57 | ||
| Return on Equity | -47.02% | 3.13% | 7.76% | 11.40% | Beats 0% | 57 / 57 | ||
| Net Interest Margin | 3.95% | 3.16% | 3.63% | 4.08% | Beats 72% | 16 / 57 | ||
| Efficiency Ratio | 179.26% | 59.57% | 69.70% | 81.06% | Beats 2% | 57 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.06% | 0.34% | 1.78% | Beats 36% | 37 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.04% | 12.24% | 16.06% | 19.69% | Beats 82% | 10 / 57 | ||
| Total Risk-Based Capital Ratio | 25.14% | 12.54% | 16.50% | 20.95% | Beats 82% | 10 / 57 | ||
| Equity / Assets | 8.69% | 9.37% | 11.56% | 15.00% | Beats 16% | 48 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.85% | 66.29% | 85.59% | 95.16% | 4th pctl | 55 / 57 | ||
| Loans / Assets | 44.84% | 57.07% | 71.07% | 78.13% | 5th pctl | 54 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||