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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.05% | -0.83% | -0.64% | -0.83% | -1.63% | -2.66% | -4.08% | -3.81% | -298 bps | |
| Return on Equity | -87.20% | -9.07% | -7.20% | -8.79% | -16.50% | -27.97% | -46.27% | -44.86% | -3,607 bps | |
| Net Interest Margin | 2.70% | 2.16% | 3.19% | 3.24% | 3.68% | 2.09% | 3.39% | 4.39% | +115 bps | |
| Efficiency Ratio | 380% | 136.67% | 114.17% | 117.37% | 136.43% | 153.77% | 184.83% | 174.08% | +5,671 bps | |
| Non-Interest Burden | 10.84% | 2.99% | 3.66% | 3.82% | 5.05% | 4.48% | 7.17% | 8.07% | +424 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 | |