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Midland Federal Savings and Loan Association

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

$111.2MAssets
$49.9MLoans
$100.1MDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 57 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

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

Non-interest income vs. expense

$1.0M$9.8MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 2% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 179.26%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer 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 Margin3.95%3.16%3.63%4.08%Beats 72%16 / 57
Efficiency Ratio179.26%59.57%69.70%81.06%Beats 2%57 / 57
Asset Quality
Nonperforming Loans / Loans1.00%0.06%0.34%1.78%Beats 36%37 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio24.04%12.24%16.06%19.69%Beats 82%10 / 57
Total Risk-Based Capital Ratio25.14%12.54%16.50%20.95%Beats 82%10 / 57
Equity / Assets8.69%9.37%11.56%15.00%Beats 16%48 / 57
Liquidity & Funding
Loans / Deposits49.85%66.29%85.59%95.16%4th pctl55 / 57
Loans / Assets44.84%57.07%71.07%78.13%5th pctl54 / 57
Brokered Deposits / Depositsn/aNot reported for this institution