Midland Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.51 percentage points higher than in Q1 2026, at 142.55%. Within Illinois, Midland Federal Savings and Loan Association is 284th of 323 on loan-to-deposit ratio, 49.85% as of Q2 2026, below the middle of the field. Midland Federal Savings and Loan Association reported 49.85% on loan-to-deposit ratio for Q2 2026, 31.09 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.9M |
| Net loans and leases | $49.4M |
| Loans held for sale | $9.8M |
| Loans to total assets | 44.84% |
| Loan-to-deposit ratio | 49.85% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.57% |
| Multifamily (5+ residential) | 8.30% |
| Commercial and industrial | 0.68% |
| Consumer | 0.34% |
| Credit cards | 0.14% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.55% |
| Construction concentration (Tier 1 capital + allowance) | 4.48% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.28% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.7M | $107.5M | 1.44% | 0.09% | 0.45% |
| Q4 2023 | $24.2M | $106.1M | 1.45% | 0.33% | 0.43% |
| Q1 2024 | $23.7M | $105.1M | 1.41% | 0.00% | 0.47% |
| Q2 2024 | $23.0M | $104.0M | 1.44% | 0.80% | 0.44% |
| Q3 2024 | $22.2M | $103.3M | 1.49% | 0.56% | 0.36% |
| Q4 2024 | $24.8M | $108.5M | 9.26% | 0.35% | 0.31% |
| Q1 2025 | $33.5M | $109.6M | 21.62% | 0.04% | 0.44% |
| Q2 2025 | $40.8M | $109.0M | 25.27% | 1.12% | 0.43% |
| Q3 2025 | $40.3M | $107.7M | 24.18% | 0.94% | 0.95% |
| Q4 2025 | $46.9M | $105.2M | 19.69% | 0.84% | 0.71% |
| Q1 2026 | $47.9M | $105.9M | 24.80% | 0.56% | 0.67% |
| Q2 2026 | $49.9M | $100.1M | 23.57% | 0.68% | 0.34% |
Midland Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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)