Midland Federal Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 66.2% in Q2 2026, from $10.1M to $3.4M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Midland Federal Savings and Loan Association is 283rd of 323 on loan-to-deposit ratio, 49.85% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Midland Federal Savings and Loan Association sits 30.99 points lower, at 49.85% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.85% |
| Net loans and leases to deposits | 49.41% |
| Loans and leases to core deposits | 51.29% |
| Core deposits to total deposits | 97.19% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 22.94% | 98.69% | $0 | $0 |
| Q4 2023 | 22.77% | 98.66% | $0 | $0 |
| Q1 2024 | 22.51% | 97.54% | $0 | $0 |
| Q2 2024 | 22.08% | 97.50% | $0 | $0 |
| Q3 2024 | 21.54% | 97.46% | $0 | $0 |
| Q4 2024 | 22.88% | 96.02% | $0 | $0 |
| Q1 2025 | 30.58% | 95.56% | $0 | $0 |
| Q2 2025 | 37.43% | 95.42% | $0 | $0 |
| Q3 2025 | 37.43% | 95.12% | $0 | $0 |
| Q4 2025 | 44.52% | 95.16% | $0 | $0 |
| Q1 2026 | 45.18% | 94.92% | $0 | $0 |
| Q2 2026 | 49.85% | 97.19% | $0 | $1.0M |
Midland Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland Federal Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, 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)