Side-by-side · Q2 2026 data
Clay County State Bank vs Midland Federal Savings and Loan Association
Bank
Midland Federal Savings and Loan Association
Bridgeview, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Clay County State Bank | Midland Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 59 (stronger) | 51 |
| Capital cushion | 82 (stronger) | 35 |
| Loan quality | 0 | 67 (stronger) |
| Earnings | 80 (stronger) | 0 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 70 | 90 (stronger) |
| Peer percentile | 17th | 8th |
| Total assets | $104.3M | $111.2M |
| Deposits / shares | $91.7M | $100.1M |
| Capital ratio | 13.18% (stronger) | 8.50% |
| Problem loans | 3.82% | 1.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | -3.96% |
| Loans ÷ deposits | 51.1% | 49.4% (stronger) |
| Uninsured deposits | 36.6% | 4.9% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Clay County State Bank has the higher TellerScore (59 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Clay County State Bank leads on 3 and Midland Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.