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Acquisition dossier · FDIC #29980

Midland Federal Savings and Loan Association

Bridgeview, IL · Cook County · OCC

$116.3M assets4 officesMIDLAND CAPITAL HOLDINGS CORP6/6 core metrics available
Acquisition score96Signal: Earnings pressure

Where this bank sits among peers

1,193 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets1,189 reported
095190Up to 0.18%: 101 banks0.18% 0.42%: 66 banks0.42% 0.67%: 108 banks0.67% 0.91%: 162 banks0.91% 1.16%: 169 banks1.16% 1.4%: 190 banks1.4% 1.65%: 124 banks1.65% 1.89%: 99 banks1.89% 2.14%: 58 banksFrom 2.14%: 112 banks≤-0.07%≥2.38%
Median 1.13%Selected bank -4.08% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.18%101
0.18% to < 0.42%66
0.42% to < 0.67%108
0.67% to < 0.91%162
0.91% to < 1.16%169
1.16% to < 1.4%190
1.4% to < 1.65%124
1.65% to < 1.89%99
1.89% to < 2.14%58
≥ 2.14%112

Full range: -8.75% to 20.53%. 4 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 0 / 100. Larger values are not necessarily better.

Net interest margin1,193 reported
088175Up to 2.89%: 111 banks2.89% 3.17%: 92 banks3.17% 3.46%: 131 banks3.46% 3.74%: 175 banks3.74% 4.03%: 169 banks4.03% 4.31%: 155 banks4.31% 4.6%: 130 banks4.6% 4.88%: 85 banks4.88% 5.17%: 56 banksFrom 5.17%: 89 banks≤2.6%≥5.45%
Median 3.89%Selected bank 3.56%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.89%111
2.89% to < 3.17%92
3.17% to < 3.46%131
3.46% to < 3.74%175
3.74% to < 4.03%169
4.03% to < 4.31%155
4.31% to < 4.6%130
4.6% to < 4.88%85
4.88% to < 5.17%56
≥ 5.17%89

Full range: 0.58% to 7.75%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 32 / 100. Larger values are not necessarily better.

Efficiency ratio1,193 reported
092183Up to 47.83%: 119 banks47.83% 53.39%: 108 banks53.39% 58.96%: 148 banks58.96% 64.52%: 183 banks64.52% 70.09%: 167 banks70.09% 75.66%: 139 banks75.66% 81.22%: 103 banks81.22% 86.79%: 80 banks86.79% 92.35%: 62 banksFrom 92.35%: 84 banks≤42.26%≥97.92%
Median 65.6%Selected bank 184.8% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 47.83%119
47.83% to < 53.39%108
53.39% to < 58.96%148
58.96% to < 64.52%183
64.52% to < 70.09%167
70.09% to < 75.66%139
75.66% to < 81.22%103
81.22% to < 86.79%80
86.79% to < 92.35%62
≥ 92.35%84

Full range: 0.3% to 448.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 99 / 100. Larger values are not necessarily better.

Equity to assets1,193 reported
0113226Up to 7.87%: 155 banks7.87% 9.24%: 189 banks9.24% 10.61%: 226 banks10.61% 11.98%: 180 banks11.98% 13.35%: 130 banks13.35% 14.72%: 96 banks14.72% 16.09%: 68 banks16.09% 17.46%: 47 banks17.46% 18.83%: 22 banksFrom 18.83%: 80 banks≤6.5%≥20.2%
Median 10.9%Selected bank 8.3%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 7.87%155
7.87% to < 9.24%189
9.24% to < 10.61%226
10.61% to < 11.98%180
11.98% to < 13.35%130
13.35% to < 14.72%96
14.72% to < 16.09%68
16.09% to < 17.46%47
17.46% to < 18.83%22
≥ 18.83%80

Full range: 1.5% to 99.1%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 18 / 100. Larger values are not necessarily better.

Uninsured deposits1,193 reported
088176Up to 10.75%: 176 banks10.75% 14.31%: 150 banks14.31% 17.86%: 172 banks17.86% 21.42%: 173 banks21.42% 24.97%: 148 banks24.97% 28.52%: 129 banks28.52% 32.08%: 74 banks32.08% 35.63%: 56 banks35.63% 39.19%: 31 banksFrom 39.19%: 84 banks≤7.2%≥42.74%
Median 19.6%Selected bank 8%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 10.75%176
10.75% to < 14.31%150
14.31% to < 17.86%172
17.86% to < 21.42%173
21.42% to < 24.97%148
24.97% to < 28.52%129
28.52% to < 32.08%74
32.08% to < 35.63%56
35.63% to < 39.19%31
≥ 39.19%84

Full range: 0% to 97.5%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 7 / 100. Larger values are not necessarily better.

Noncurrent loans1,193 reported
0299597Up to 0.38%: 597 banks0.38% 0.77%: 171 banks0.77% 1.15%: 103 banks1.15% 1.54%: 74 banks1.54% 1.92%: 56 banks1.92% 2.31%: 44 banks2.31% 2.69%: 37 banks2.69% 3.07%: 15 banks3.07% 3.46%: 23 banksFrom 3.46%: 73 banks≤0%≥3.84%
Median 0.38%Selected bank 1.14%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.38%597
0.38% to < 0.77%171
0.77% to < 1.15%103
1.15% to < 1.54%74
1.54% to < 1.92%56
1.92% to < 2.31%44
2.31% to < 2.69%37
2.69% to < 3.07%15
3.07% to < 3.46%23
≥ 3.46%73

Full range: 0% to 17.16%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 73 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-4.08%-264 bp-344 bp1.13%0 / 1001189
Earnings3.56%+36 bp+21 bp3.89%32 / 1001193
Earnings184.80%N/AN/A65.60%99 / 1001193
Capital8.30%-100 bp-70 bp10.90%18 / 1001193
Franchise8.00%N/AN/A19.60%7 / 1001193
Credit1.14%N/AN/A0.38%73 / 1001193
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 1193 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Return on assetsSeparate recurring earnings from one-off items before setting a valuation.

3

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

Franchise footprint

4 reported branches

$109M branch deposits
  1. 1
    Midland Federal Savings And Loan AssociationBridgeview, IL · Cook
    $91.3MDeposits
  2. 2
    4040 S Archer Ave BranchChicago, IL · Cook
    $8.9MDeposits
  3. 3
    2657 West 69Th Street BranchChicago, IL · Cook
    $7.5MDeposits
  4. 4
    Homer Glen BranchHomer Glen, IL · Will
    $1.4MDeposits

Evidence timeline

Structure changes and public-company filings

3 linked records
FDIC structureChange in Class
FDIC structureChange in Organization Type
FDIC structureInstitution Becomes a Member of FRS (Federal Reserve System)