Liquidity
StrongQoQ -2
97
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 44.8%, cash 8.7% of assets.
- Cash / Assets
- 8.71%
- Loans / Deposits
- 44.79%
- Brokered %
- 0.00%
No watch items at this period.
Midland Federal Savings And Loan Association
IDRSSD: 820477
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
75
/ 100
StableAs of 2026-Q1QoQ -2
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #820477 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↓ -2 ptscomposite
- Liquidity↓ -2
- Securities↑ 0
- Capitalization↓ -4
- Asset Quality↓ -9
- Reserves↑ +11
The five pillars
Securities
RiskQoQ 0
34
Sub-score
Securities profile is weak: securities 39.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 39.68%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -4
92
Sub-score
Capital position is strong: Tier 1 RBC 21.68%, CET1 21.68%, leverage 8.19%.
- Tier 1 RBC
- 21.68%
- CET1
- 21.68%
- Leverage
- 8.19%
No watch items at this period.
Asset Quality
StrongQoQ -9
85
Sub-score
Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 5.4%, NCO YTD 0.00%.
- Adjusted NPL
- 1.15%
- Texas Ratio
- 5.4%
- NCO YTD
- 0.00%
- 30-89 PD
- 1.76%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +11
40
Sub-score
Reserves are deteriorating: ALLL 0.87% of loans, coverage 76.2%, true coverage 76.2%.
- ALLL / Loans
- 0.87%
- Coverage
- 76.2%
- True Loss Coverage
- 76.2%
No watch items at this period.
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.tsfor 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