Midland Capital Holdings Corporation (Midland Capital) operates as the holding company of Midland Federal Savings and Loan Association (Midland Federal). Midland Federal has been principally engaged in the business of attracting deposits from the general public and using such deposits to originate residential mortgage and, to a lesser extent, consumer, multi-family, and other loans in its primary market area. Midland Federal also has substantial investments in short-term United States governmental agency obligations and, to a lesser extent, mortgage-backed securities and investment securities. Midland Federal's primary market area consists of southwest Chicago, and the southwest suburban communities of Bridgeview, Oak Lawn, Palos Hills, Hickory Hills, Burbank, Chicago Ridge, Homer Glen, Lockport, Orland Park and Lemont, which it serves through its main office in Bridgeview and three branch offices in southwest Chicago.