Midland Federal Savings and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings dropped 68.7% in Q2 2026, from $1.7M to $543K. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Midland Federal Savings and Loan Association is 26th of 198 on CET1 ratio, 24.04% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Midland Federal Savings and Loan Association reported 24.04% on CET1 ratio in Q2 2026, 8.97 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.04% |
| Tier 1 risk-based capital ratio | 24.04% |
| Total risk-based capital ratio | 25.14% |
| Tier 1 leverage ratio | 8.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.1M |
| Total equity capital | $9.7M |
| Risk-weighted assets | $40.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.69% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 8.49% |
| Internal capital growth rate | -44.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3K |
| Common stock surplus | $9.2M |
| Retained earnings | $543K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$67K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 47.35% | 47.35% | 47.68% | 8.76% | $21.7M |
| Q4 2023 | 47.94% | 47.94% | 48.25% | 8.81% | $21.6M |
| Q1 2024 | 49.02% | 49.02% | 49.34% | 8.92% | $21.2M |
| Q2 2024 | 47.00% | 47.00% | 47.30% | 9.07% | $22.3M |
| Q3 2024 | 52.53% | 52.53% | 52.85% | 9.58% | $20.7M |
| Q4 2024 | 42.12% | 42.12% | 42.39% | 9.00% | $25.1M |
| Q1 2025 | 34.93% | 34.93% | 35.31% | 8.83% | $30.9M |
| Q2 2025 | 30.46% | 30.46% | 30.94% | 9.89% | $39.8M |
| Q3 2025 | 26.88% | 26.88% | 27.50% | 9.61% | $43.2M |
| Q4 2025 | 23.78% | 23.78% | 24.53% | 9.10% | $45.5M |
| Q1 2026 | 21.68% | 21.68% | 22.62% | 8.19% | $44.5M |
| Q2 2026 | 24.04% | 24.04% | 25.14% | 8.50% | $40.2M |
Midland Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland Federal Savings and Loan Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Midland Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29980) · FFIEC NIC profile (RSSD 820477)