Midland Federal Savings and Loan Association
Bridgeview, IL·RSSD 820477·FDIC 29980·bank:820477·Risk-based ratios where reported
- #262 of 328Total assets in Illinois
- 4offices
- 63employees
- Top 1%Margin improvement in the U.S.
- #3 of 265Lowest cost of deposits in Illinois
- Top 4%Cost of deposits vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Midland Federal Savings and Loan Association
9 of 23 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter174.1%peers 63.2%+110.8 pp
Midland Federal Savings and Loan Association's efficiency ratio rose 56.7 percentage points over the past year to 174.1%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 174.1% | 63.2% | +110.8 pp |
| 12-month change | ||
| +56.7 pp | -2.1 pp | +58.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Midland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Lending outpacing deposit growthWorth a look: Liquidity FORFI signal+22.2%peers +5.3%+16.9 pp
Midland Federal Savings and Loan Association's loans grew faster than at similar banks while its deposits grew more slowly, so each new loan leans harder on other funding.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +22.2% | +5.3% | +16.9 pp |
| Deposits, 12-month growth | ||
| -8.2% | +3.9% | -12.1 pp |
With internal data, FORFI would look at: Which borrowers keep their deposits elsewhere, and how much funding existing relationships could bring.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Midland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings 2nd quarter-3.82%peers 1.26%-509 bps
Midland Federal Savings and Loan Association's annualized return on assets fell 299 bps over the past year to -3.82%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -3.82% | 1.26% | -509 bps |
| 12-month change | ||
| -299 bps | +14 bps | -312 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Midland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Unrealized securities position worsening while the peer median improvesWorth a look: Capital-38.0%peers -7.0%-31.0 pp
Midland Federal Savings and Loan Association's unrealized securities gain or loss relative to Tier 1 capital fell 2.0 percentage points over the past year to -38.0%. Among 1222 similar banks, the median rose 2.9 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -38.0% | -7.0% | -31.0 pp |
| 12-month change | ||
| -2.0 pp | +2.9 pp | -4.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Midland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter0.73%peers 1.68%-95 bps
Midland Federal Savings and Loan Association's cost of all deposits was 0.73%, compared with a median of 1.68% among 1213 similar banks: lower than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.73% | 1.68% | -95 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Midland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
4 more observations
- Net interest margin widening faster than peersEarnings
- Lending absorbing more of the deposit base as cash fallsLiquidity
- Deposits shrinking while the peer median growsFunding
- Loans growing faster than peersLending
Key facts
- Midland Federal Savings and Loan Association is a bank headquartered in Bridgeview, Illinois. It reported $111 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $100 million, down 8.2% from a year earlier, and loans totaled $49.9 million, up 22.2%.
- Its net interest margin was 4.57% and its annualized return on assets was -3.82% for the quarter.
- Its cost of all deposits was 0.73%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Midland Federal Savings and Loan Association's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Midland Federal Savings and Loan Association · Bank
- Federal Reserve RSSD
- 820477
- FDIC certificate
- 29980
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Midland Federal Savings and Loan Association itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$1.08M | — | |
| $1.44M | — | |
| $194K | — | |
| $1.25M | — | |
| $164K | — | |
| $2.46M | — | |
| $25K | — | |
| $25K | — | |
| -3.82% | -3.81%ROAQ · Quarter | |
| 4.57% | 4.56%NIMYQ · Quarter | |
| 174.08% | 174.08%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.