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Midland Federal Savings And Loan Association

IDRSSD: 820477
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2023-Q4QoQ -19

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #820477 2023-Q4 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 10.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.28% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -1
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -31
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 22.7%, cash 21.0% of assets.

Cash / Assets
20.96%
Loans / Deposits
22.70%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -1
13
Sub-score

Securities profile is weak: securities 46.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
46.05%
No watch items at this period.

Capitalization

StrongQoQ +4
93
Sub-score

Capital position is strong: Tier 1 RBC 47.94%, CET1 47.94%, leverage 8.81%.

Tier 1 RBC
47.94%
CET1
47.94%
Leverage
8.81%
No watch items at this period.

Asset Quality

StableQoQ -31
69
Sub-score

Asset quality is stable: Adjusted NPL 2.78%, Texas Ratio 6.4%, NCO YTD 0.07%.

Adjusted NPL
2.78%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.07%
30-89 PD
2.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.78% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.28% of loans, coverage 10.0%, true coverage 10.0%.

ALLL / Loans
0.28%
Coverage
10.0%
True Loss Coverage
10.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.0% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.28% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 06:21:53 UTC