BlastPoint's Banking Scorecard
Midland Federal Savings and Loan Association
Micro
Specialty: Other
IL
FDIC cert 29980
Designations: ✓ Community bank
Bridgeview, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Midland Federal Savings and Loan Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.93% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.52% below tier
- - Efficiency Ratio 64.48% above tier
- - Loan-to-Deposit Ratio 30.33% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.7M
-2.6% YoY
-2.8% QoQ
|
-$100.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$46.5M
+87.8% YoY
+16.2% QoQ
|
-$92.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$105.2M
-3.0% YoY
-2.3% QoQ
|
-$78.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
-1.44%
+30.7% YoY
-39.0% QoQ
|
-2.52% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.20%
+20.6% YoY
-9.2% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
132.21%
-25.5% YoY
+7.3% QoQ
|
+64.48% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
1.10%
-53.2% YoY
-21.2% QoQ
|
+0.46% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
44.20%
+93.7% YoY
+18.9% QoQ
|
-30.33% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.24%
-17.5% YoY
-8.5% QoQ
|
-7.16% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.44%
-9.8% YoY
-5.8% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
23.78%
-43.5% YoY
-11.5% QoQ
|
+14.93% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.69%
+444.1% YoY
+757.0% QoQ
|
+0.12% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.78%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.44%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
132.21%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.20%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 23.78% · Tier avg: 8.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
30
30th pctile
Total Deposits
Current: $105.2M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $116.7M · Tier avg: $217.5M
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.24% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.20% · Tier avg: 74.53%
2
2th pctile
Return on Assets
Current: -1.44% · Tier avg: 1.08%
1
1th pctile
Efficiency Ratio
Current: 132.21% · Tier avg: 67.73%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 132.21% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.44% · Tier avg: 1.08%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.20% · Tier avg: 74.53%
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.24% · Tier avg: 22.39%
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
28
28th pctile
Total Assets
Current: $116.7M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $105.2M · Tier avg: $183.7M
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.78% · Tier avg: 8.85%