Midland Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midland Federal Savings and Loan Association of Bridgeview, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -3.81% | 1.34% | -5.15% | 1st bottom |
| ROAE | -44.86% | 13.32% | -58.18% | 1st bottom |
| Net Interest Margin | 4.60% | 3.93% | +0.67% | 82nd top |
| Efficiency Ratio | 174.08% | 61.13% | +112.95% | 1st bottom |
| PPNR / Avg Assets | -3.68% | 1.68% | -5.36% | 0th bottom |
| Yield on Earning Assets | 5.31% | 5.67% | -0.36% | 36th below |
| Cost of Funds | 0.69% | 1.88% | -1.19% | 97th top |
| Net Interest Spread | 4.42% | 3.32% | +1.10% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.94% | +0.06% | 28th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) | 88.40% | 1538.84% | -1450.44% | 24th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.95% | 7.33% | -2.38% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.04% | 19.50% | +4.54% | 87th top |
| Tier 1 Ratio | 24.04% | 19.53% | +4.51% | 87th top |
| Total Capital Ratio | 25.14% | 20.62% | +4.52% | 87th top |
| Leverage Ratio | 8.50% | 12.14% | -3.64% | 6th bottom |
| Equity / Assets | 8.69% | 11.37% | -2.68% | 22nd bottom |
| TCE / Tangible Assets | 8.69% | 11.09% | -2.40% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.85% | 80.64% | -30.79% | 92nd top |
| Core Deposit Ratio | 97.19% | 86.86% | +10.33% | 93rd top |
| Wholesale Funding Ratio | 0.90% | 5.03% | -4.13% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.56% | 6.85% | -15.41% | 2nd bottom |
| Loan Growth (Y/Y) | 22.23% | 7.90% | +14.33% | 94th top |
| Deposit Growth (Y/Y) | -8.23% | 6.29% | -14.52% | 3rd bottom |
See Midland Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midland Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Midland Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.