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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ +3

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

Quarterly Headline

2024-Q3

Bank #820477 2024-Q3 Vital Signs Score: 68/100 — 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 9.4% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.30% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +8
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 21.6%, cash 20.6% of assets.

Cash / Assets
20.63%
Loans / Deposits
21.60%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +8
29
Sub-score

Securities profile is weak: securities 41.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
41.37%
No watch items at this period.

Capitalization

StrongQoQ +4
100
Sub-score

Capital position is strong: Tier 1 RBC 54.73%, CET1 54.73%, leverage 10.44%.

Tier 1 RBC
54.73%
CET1
54.73%
Leverage
10.44%
No watch items at this period.

Asset Quality

StableQoQ +4
74
Sub-score

Asset quality is stable: Adjusted NPL 3.18%, Texas Ratio 6.0%, NCO YTD 0.00%.

Adjusted NPL
3.18%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.00%
30-89 PD
0.81%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.18% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.30% of loans, coverage 9.4%, true coverage 9.4%.

ALLL / Loans
0.30%
Coverage
9.4%
True Loss Coverage
9.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 9.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.4% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.30% 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