Milford Bank the: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 2.1% between Q1 2026 and Q2 2026, to $57.8M. Within Connecticut, Milford Bank the is 9th of 17 on CET1 ratio, 14.36% as of Q2 2026, below the middle of the field. Milford Bank the reported 14.36% on CET1 ratio for Q2 2026, 0.71 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.36% |
| Tier 1 risk-based capital ratio | 14.36% |
| Total risk-based capital ratio | 15.51% |
| Tier 1 leverage ratio | 9.94% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $65.4M |
| Tier 1 capital | $65.4M |
| Total risk-based capital | $70.6M |
| Total equity capital | $57.8M |
| Risk-weighted assets | $455.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.87% |
| Tangible equity to tangible assets | 8.87% |
| Equity capital to average assets | 8.79% |
| Internal capital growth rate | 7.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $3.9M |
| Retained earnings | $61.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.73% | 14.73% | 15.93% | 9.62% | $386.3M |
| Q4 2023 | 14.75% | 14.75% | 15.83% | 9.62% | $390.6M |
| Q1 2024 | 14.60% | 14.60% | 15.68% | 9.56% | $396.7M |
| Q2 2024 | 14.48% | 14.48% | 15.58% | 9.56% | $403.0M |
| Q3 2024 | 14.46% | 14.46% | 15.55% | 9.60% | $408.3M |
| Q4 2024 | 13.86% | 13.86% | 14.94% | 9.47% | $430.6M |
| Q1 2025 | 14.13% | 14.13% | 15.22% | 9.50% | $429.5M |
| Q2 2025 | 14.11% | 14.11% | 15.21% | 9.59% | $436.1M |
| Q3 2025 | 14.09% | 14.09% | 15.22% | 9.57% | $443.7M |
| Q4 2025 | 14.19% | 14.19% | 15.31% | 9.55% | $445.7M |
| Q1 2026 | 14.41% | 14.41% | 15.51% | 9.83% | $446.0M |
| Q2 2026 | 14.36% | 14.36% | 15.51% | 9.94% | $455.2M |
Milford Bank the regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Bank the, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Milford Bank the profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16101) · FFIEC NIC profile (RSSD 258306)