Bank Comparison
First Federal Savings and Loan Association vs Milford Building and Loan Association, Sb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association | Milford Building and Loan Association, Sb |
|---|---|---|
| CET1 Ratio | 22.89% | 24.99% |
| Tier 1 Capital Ratio | 22.89% | 24.99% |
| Total Capital Ratio | 23.83% | 26.25% |
| Tier 1 Leverage Ratio | 10.12% | 12.26% |
| Equity / Assets | 10.11% | 12.21% |
Profitability
| Metric | First Federal Savings and Loan Association | Milford Building and Loan Association, Sb |
|---|---|---|
| Return on Assets (ROA) | 0.24% | 0.23% |
| Return on Equity (ROE) | 2.34% | 1.92% |
| Net Interest Margin (NIM) | 2.16% | 2.49% |
| Yield on Earning Assets | 5.13% | 4.86% |
| Cost of Funds | 3.24% | 2.68% |
Asset quality
| Metric | First Federal Savings and Loan Association | Milford Building and Loan Association, Sb |
|---|---|---|
| Texas Ratio | 7.60% | 22.07% |
| Non-Performing Loan Ratio | 0.51% | 2.16% |
| Non-Performing Asset Ratio | 0.37% | 1.76% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.57% | 1.52% |
Balance sheet
| Metric | First Federal Savings and Loan Association | Milford Building and Loan Association, Sb |
|---|---|---|
| Total Assets | $27,131K | $27,361K |
| Total Deposits | $24,179K | $23,815K |
| Total Loans | $19,787K | $18,283K |
| Total Equity | $2,743K | $3,342K |
| Net Income (quarter) | $16 | $16 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association | Milford Building and Loan Association, Sb |
|---|---|---|
| Loan-to-Deposit Ratio | 81.84% | 76.77% |
| Core Deposit Ratio | 83.22% | 74.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association | Milford Building and Loan Association, Sb |
|---|---|---|
| Headquarters City | RAVENSWOOD | MILFORD |
| Headquarters State | WV | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 703542 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1883, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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