MILFORD BANK THE

MILFORD, CT | Medium | Est. Jan. 1, 1872, midnight | FDIC #16101 | RSSD #258306 | FDIC
Latest Report: 2025-12-31

MILFORD BANK THE is amn medium FDIC-insured commercial bank headquartered in MILFORD, CT, established in Jan. 1, 1872, midnight. As of 2025-12-31, the bank reported total assets of $644M and total deposits of $504M. Profitability stands at 0.46% ROA and 5.35% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 14.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 2.78%. FDIC Certificate #16101.

Assets

$644M

Deposits

$504M

Loans

$507M

Equity

$56M

Profitability

Return on Assets (ROA) 0.46%
Return on Equity (ROE) 5.35%
Net Interest Margin (NIM) 3.63%
Yield on Assets 4.99%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.78%
NPA Ratio 0.26%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 14.19%
Tier 1 Capital 14.19%
Total Capital Ratio 15.31%
Leverage Ratio 9.55%
Loan-to-Deposit 100.67%

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