Milford Bank the: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 41.5% lower than in Q1 2026, at $17.5M. Within Connecticut, Milford Bank the is 7th of 27 on loan-to-deposit ratio, 101.83% as of Q2 2026, above the middle of the field. Milford Bank the reported 101.83% on loan-to-deposit ratio for Q2 2026, 21.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $65.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.83% |
| Net loans and leases to deposits | 100.83% |
| Loans and leases to core deposits | 105.90% |
| Core deposits to total deposits | 96.16% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 88.26% | 96.26% | $0 | $27.5M |
| Q4 2023 | 88.30% | 95.65% | $0 | $20.0M |
| Q1 2024 | 88.74% | 94.84% | $0 | $30.0M |
| Q2 2024 | 89.35% | 95.15% | $0 | $25.0M |
| Q3 2024 | 92.24% | 94.10% | $0 | $42.5M |
| Q4 2024 | 94.04% | 94.80% | $0 | $40.0M |
| Q1 2025 | 96.72% | 93.78% | $0 | $57.5M |
| Q2 2025 | 98.52% | 95.30% | $0 | $60.0M |
| Q3 2025 | 102.41% | 95.28% | $0 | $80.0M |
| Q4 2025 | 100.67% | 95.67% | $0 | $67.5M |
| Q1 2026 | 98.72% | 95.84% | $0 | $65.0M |
| Q2 2026 | 101.83% | 96.16% | $0 | $65.0M |
Milford Bank the liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Bank the, freeSource: Call Report Schedules RC and RC-M, 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)