Midland Federal Savings and Loan Association: how it compares with its peers
Against 112 IL banks with half to twice its assets, Midland Federal Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (4.07% vs. a 3.74% peer median). Its weakest relative measure is efficiency ratio (179.26% vs. 66.71%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.96% | 1.06% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.74% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 179.26% | 66.71% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.8M | $6.2M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.41% | 68.03% | Context |
What it means for lending operations
Its efficiency ratio of 179.26% is above the 66.71% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Central Savings, f.s.b. Chicago, IL · $112M
- First State Bank of Beecher City Beecher City, IL · $112M
- Exchange State Bank Lanark, IL · $113M
- Anderson State Bank Oneida, IL · $109M
- Nashville Savings Bank Nashville, IL · $108M
Questions about Midland Federal Savings and Loan Association
How big is Midland Federal Savings and Loan Association?
Midland Federal Savings and Loan Association, established in 1914, is headquartered in Bridgeview, IL. It reported $111M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Midland Federal Savings and Loan Association's return on assets?
-3.96% annualized in Q2 2026, against a 1.06% median for 112 IL banks with half to twice its assets, ahead of 1% of them.
What is Midland Federal Savings and Loan Association's efficiency ratio?
179.26% in Q2 2026: it spent about 179 cents in noninterest expense for each dollar of revenue. The peer median is 66.71%, and lower is better.
Is Midland Federal Savings and Loan Association growing its loans?
Net loans grew 21.7% over the year to Q2 2026, while deposits shrank 8.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.