MILFORD BUILDING AND LOAN ASSOCIATION, SB

MILFORD, IL | Micro | Est. Jan. 1, 1883, midnight | FDIC #30152 | RSSD #994770 | FDIC
Latest Report: 2025-12-31

MILFORD BUILDING AND LOAN ASSOCIATION, SB is amn micro FDIC-insured commercial bank headquartered in MILFORD, IL, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $27M and total deposits of $24M. Profitability stands at 0.60% ROA and 4.96% ROE, with a net interest margin of 2.81%. The bank's CET1 capital ratio is 24.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.51% and a Texas Ratio of 12.95%. FDIC Certificate #30152.

Assets

$27M

Deposits

$24M

Loans

$19M

Equity

$3M

Profitability

Return on Assets (ROA) 0.60%
Return on Equity (ROE) 4.96%
Net Interest Margin (NIM) 2.81%
Yield on Assets 5.54%
Cost of Funds 2.90%

Asset Quality

NPL Ratio 2.51%
Net Charge-Off Ratio 0.25%
Texas Ratio 12.95%
NPA Ratio 1.70%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 24.59%
Tier 1 Capital 24.59%
Total Capital Ratio 25.85%
Leverage Ratio 12.02%
Loan-to-Deposit 77.85%

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