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Letter portraitLegal landscapeQuarterYTD

Midland Federal Savings and Loan Association

Bridgeview, IL · Cert 29980 · Midland Capital Holdings Corp.

SL · OCC · 4 branches

Q2 2026

$111.2MAssets
$49.9MLoans
$100.1MDeposits
$9.7MEquity
Loan mix
99%RE $47.3M1%C&I $0.3M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $83.2M17%Noninterest $16.8MQ2 2025Q2 2026

NIM

3.22%Q2 ’243.89%Q2 ’254.65%Q2 ’26+19%+23%

Non-interest income vs. expense

2.59%Q2 ’243.85%Q2 ’258.59%Q2 ’26+51%+107%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #118 of 147 inst. · $0.1B of $630.7B

0.0% Cook
0.0% Will

Executive Summary

  • Earnings: ROA of -3.96%, down 322 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 1.00% of loans (-31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.50%, down 140 bps from a year ago.
  • Funding: loans stand at 49.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.96%-322 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+73 bps YoY

Efficiency Ratio (YTD, annualized)

179.26%+6,348 bps YoY

Tier 1 Leverage Ratio

8.50%-140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.74%-1.04%-1.44%-4.08%-3.96%-322 bps
Return on Equity-7.97%-11.04%-15.37%-46.27%-45.13%-3,717 bps
Net Interest Margin3.22%3.40%3.11%3.39%3.95%+73 bps
Efficiency Ratio115.78%123.21%132.21%184.83%179.26%+6,348 bps
Non-Interest Burden3.74%4.21%4.33%7.17%7.75%+401 bps
Growth
Asset Growth (YoY)5.84%4.69%-2.62%-3.96%-8.56%-1,440 bps
Loan Growth (YoY)77.80%81.20%88.67%42.75%22.23%-5,556 bps
Deposit Growth (YoY)4.88%4.28%-3.03%-3.38%-8.23%-1,311 bps
Asset Quality
Nonperforming Loans / Loans1.31%1.38%1.09%1.14%1.00%-31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.47%0.66%0.73%0.87%0.89%+42 bps
Allowance Coverage of NPLs0.4x0.5x0.7x0.8x0.9x+0.5x
Capital
Tier 1 Leverage Ratio9.89%9.61%9.10%8.19%8.50%-140 bps
Total Risk-Based Capital30.94%27.50%24.53%22.62%25.14%-580 bps
Equity / Assets9.98%9.72%9.32%8.31%8.69%-130 bps
Liquidity & Funding
Loans / Deposits37.43%37.43%44.52%45.18%49.85%+1,243 bps
Liquid Assets / Assets55.90%55.31%48.34%47.32%42.96%-1,293 bps
CRE / Total Capitaln/a125.24%129.36%163.76%n/an/a