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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #820477 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -3
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +15

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.2%, cash 9.8% of assets.

Cash / Assets
9.82%
Loans / Deposits
44.20%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -3
34
Sub-score

Securities profile is weak: securities 39.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.76%
No watch items at this period.

Capitalization

StrongQoQ -2
96
Sub-score

Capital position is strong: Tier 1 RBC 23.78%, CET1 23.78%, leverage 9.10%.

Tier 1 RBC
23.78%
CET1
23.78%
Leverage
9.10%
No watch items at this period.

Asset Quality

StrongQoQ +4
94
Sub-score

Asset quality is strong: Adjusted NPL 1.10%, Texas Ratio 4.6%, NCO YTD 0.00%.

Adjusted NPL
1.10%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
0.00%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +15
29
Sub-score

Reserves are weak: ALLL 0.73% of loans, coverage 66.9%, true coverage 66.9%.

ALLL / Loans
0.73%
Coverage
66.9%
True Loss Coverage
66.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% 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