Midland Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Midland Federal Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Bridgeview, IL, supervised by the OCC, with $111.2M in total assets at Q2 2026, down 8.6% from Q2 2025, the 257th largest of 319 banks headquartered in Illinois. It was established in 1914 and holds FDIC certificate 29980. Its CET1 capital ratio was 24.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29980
- Headquarters
- Bridgeview, IL
- Established
- 1914
- Total assets, Q2 2026
- $111.2M
- Assets vs Q2 2025
- -8.6%
- CET1 ratio, Q2 2026
- 24.04%
- Domestic offices
- 4 · Midland Federal Savings and Loan Association branches FDIC institution directory, current count
- Routing number
- 271970299
- Safety and soundness
- Is Midland Federal Savings and Loan Association safe?
- Latest call report
- Q2 2026, FFIEC 051 · Midland Federal Savings and Loan Association Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- MIDLAND CAPITAL HOLDINGS CORPORATION
- Asset rank in state
- 257th of 319 in Illinois
Midland Federal Savings and Loan Association spends more to run itself than most banks of its size. Its balance sheet stood at $111 million at June 30, 2026, down 8.6% from a year earlier; it is based in Bridgeview, Illinois. It loses about $3.81 a year on every $100 of assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 174 cents to bring in each dollar of revenue, about triple the median of 61 cents for banks its size.
It lost $1.1 million in the quarter. Over the same year, loans grew 22.2% and deposits shrank 8.2%. Where it has less room is capital: it funds 8.50% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Midland Federal Savings and Loan Association reported a CET1 capital ratio of 24.04%, a return on assets of -3.81%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 4.95%. The figures come from its call report filed with the FFIEC.
Midland Federal Savings and Loan Association ranks as the 257th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.3% to $111.2M, loans rose 4.2% and deposits fell 5.5%. 1-4 family residential loans made up 66.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.0%. The FDIC Summary of Deposits lists 4 offices for it, in Bridgeview, IL, Chicago, IL and Homer Glen, IL; its Bridgeview office books 76% of its branch deposits. On its Q2 2026 call report, Midland Federal Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8929 S Harlem Ave, Bridgeview, IL 60455
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $100.1M
- Allowance for credit losses
- $442K
- Net charge-offs (YTD)
- $0
- Average total assets
- $113.8M
- Average total loans
- $47.0M
- Average interest-bearing deposits
- $96.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29980
- Fed RSSD
- 820477
- SEC CIK
- 1061234 → filed by MIDLAND CAPITAL HOLDINGS CORPORATION
- Website
- midlandfederalsavings.com →
- Parent Holding Company
- MIDLAND CAPITAL HOLDINGS CORPORATION (RSSD 2693992)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Midland Federal Savings and Loan Association's total assets ranged from $111.2M (Q2 2026) to $121.6M (Q2 2025), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$111.2M total assets against $121.6M; $101.6M total liabilities against $109.5M.
$49.4M net loans and leases against $40.6M; $100.1M total deposits against $109.0M.
$55.6M securities against $56.0M; $3.4M cash and balances due against $22.0M.
$1.4M total interest income against $1.2M; $194K total interest expense against $214K.
$1.2M net interest income against $954K.
$164K total noninterest income against $71K; $2.5M total noninterest expense against $1.2M.
$25K provision for credit losses against $75K.
-$1.1M net income against -$253K.
-3.81% return on assets against -0.83%; 4.60% net interest margin against 3.18%.
24.04% CET1 capital ratio against 30.46%; 8.50% tier 1 leverage ratio against 9.89%.
Inside the full Midland Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Midland Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 181 of 2,134, for CET1 ratio; its furthest is 3,605 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -8.13% (Q3 2024) to -0.63% (Q1 2025) and its net interest margin ran from 2.27% (Q4 2024) to 4.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.04% | -3.81% | 1.00% | 4.95% | 4.60% |
| Q1 2026 | 21.68% | -4.03% | 1.14% | 5.42% | 3.54% |
| Q4 2025 | 23.78% | -2.65% | 1.09% | 4.56% | 3.20% |
| Q3 2025 | 26.88% | -1.62% | 1.38% | 4.68% | 2.95% |
| Q2 2025 | 30.46% | -0.83% | 1.31% | 4.34% | 3.18% |
| Q1 2025 | 34.93% | -0.63% | 1.65% | 5.02% | 3.33% |
| Q4 2024 | 42.12% | -0.83% | 2.34% | 5.48% | 2.27% |
| Q3 2024 | 52.53% | -8.13% | 3.20% | 6.56% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Midland Federal Savings and Loan Association (main office) | Bridgeview , IL | 60455 | $76.2M |
| 4040 S Archer Ave Branch | Chicago , IL | 60632 | $9.2M |
| 2657 West 69th Street Branch | Chicago , IL | 60629 | $7.3M |
| Homer Glen Branch | Homer Glen , IL | 60491 | $7.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action December 17, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 297 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Midland Federal Savings and Loan Association
What are Midland Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Midland Federal Savings and Loan Association reported total assets of $111.2 million in its FFIEC call report.
Where is Midland Federal Savings and Loan Association headquartered?
It is headquartered in Bridgeview, IL, United States.
When was Midland Federal Savings and Loan Association founded?
It was established in 1914, per the FDIC institution directory.
Is Midland Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midland Federal Savings and Loan Association?
Midland Federal Savings and Loan Association's primary federal regulator is the OCC.
What is Midland Federal Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Midland Federal Savings and Loan Association operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midland Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 4.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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