Milford Bank the: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 10.68 percentage points in Q2 2026, from 147.39% to 136.71%. It was the largest change from Q1 2026 among the key lines here. Milford Bank the ranks 7th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 101.83% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $520.7M |
| Net loans and leases | $515.6M |
| Loans held for sale | $0 |
| Loans to total assets | 79.87% |
| Loan-to-deposit ratio | 101.83% |
| Net loans to equity capital | 8.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.14% |
| Multifamily (5+ residential) | 2.46% |
| Commercial and industrial | 15.24% |
| Consumer | 2.90% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.71% |
| Construction concentration (Tier 1 capital + allowance) | 49.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.33% |
| Interest income on loans | $6.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $439.2M | $497.6M | 25.00% | 11.95% | 2.85% |
| Q4 2023 | $446.4M | $505.5M | 24.20% | 11.37% | 3.10% |
| Q1 2024 | $450.0M | $507.1M | 24.55% | 11.94% | 3.30% |
| Q2 2024 | $458.5M | $513.1M | 24.59% | 11.62% | 3.45% |
| Q3 2024 | $465.8M | $505.0M | 24.43% | 12.02% | 3.50% |
| Q4 2024 | $488.9M | $519.9M | 24.90% | 13.14% | 3.61% |
| Q1 2025 | $487.4M | $503.9M | 24.04% | 13.49% | 3.78% |
| Q2 2025 | $497.5M | $505.0M | 23.97% | 13.36% | 3.54% |
| Q3 2025 | $507.7M | $495.8M | 23.30% | 13.82% | 3.38% |
| Q4 2025 | $507.0M | $503.6M | 24.12% | 14.35% | 3.21% |
| Q1 2026 | $507.1M | $513.6M | 24.19% | 14.75% | 3.07% |
| Q2 2026 | $520.7M | $511.4M | 23.14% | 15.24% | 2.90% |
Milford Bank the loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Bank the, freeSource: Call Report Schedule RC-C, 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)