Visbanking Logo
Skip to main content

Midland Federal Savings And Loan Association

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q4QoQ -1

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

Quarterly Headline

2024-Q4

Bank #820477 2024-Q4 Vital Signs Score: 67/100 — 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 11.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 11.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.27% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -3
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 22.4%, cash 21.4% of assets.

Cash / Assets
21.36%
Loans / Deposits
22.40%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -3
26
Sub-score

Securities profile is weak: securities 42.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.17%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 44.16%, CET1 44.16%, leverage 9.93%.

Tier 1 RBC
44.16%
CET1
44.16%
Leverage
9.93%
No watch items at this period.

Asset Quality

StableQoQ -2
72
Sub-score

Asset quality is stable: Adjusted NPL 2.39%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
2.39%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
2.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.39% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.27% of loans, coverage 11.5%, true coverage 11.5%.

ALLL / Loans
0.27%
Coverage
11.5%
True Loss Coverage
11.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 11.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 11.5% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.27% 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