Milford Bank the: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Milford Bank the of Milford, CT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.65% | 1.35% | -0.70% | 17th bottom |
| ROAE | 7.49% | 12.06% | -4.57% | 23rd bottom |
| Net Interest Margin | 3.62% | 3.90% | -0.28% | 33rd below |
| Efficiency Ratio | 75.32% | 63.14% | +12.18% | 19th bottom |
| PPNR / Avg Assets | 1.03% | 1.64% | -0.61% | 22nd bottom |
| Yield on Earning Assets | 4.80% | 5.65% | -0.85% | 16th bottom |
| Cost of Funds | 1.30% | 1.85% | -0.55% | 80th top |
| Net Interest Spread | 3.09% | 3.35% | -0.26% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.92% | -0.43% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.67% | -0.28% | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) | 201.45% | 1645.75% | -1444.30% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.05% | 7.15% | -3.10% | 46th below |
| Provision / NCO | 2450.00% | 1188.44% | +1261.56% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.36% | 20.83% | -6.47% | 43rd below |
| Tier 1 Ratio | 14.36% | 20.87% | -6.51% | 42nd below |
| Total Capital Ratio | 15.51% | 21.94% | -6.43% | 43rd below |
| Leverage Ratio | 9.94% | 12.46% | -2.52% | 30th below |
| Equity / Assets | 8.87% | 11.67% | -2.80% | 25th below |
| TCE / Tangible Assets | 8.87% | 11.40% | -2.53% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.83% | 78.64% | +23.19% | 9th bottom |
| Core Deposit Ratio | 96.16% | 87.09% | +9.07% | 89th top |
| Wholesale Funding Ratio | 9.97% | 5.11% | +4.86% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.83% | 6.48% | -3.65% | 38th below |
| Loan Growth (Y/Y) | 4.67% | 7.64% | -2.97% | 46th below |
| Deposit Growth (Y/Y) | 1.27% | 6.02% | -4.75% | 31st below |
See Milford Bank the's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Milford Bank the, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Milford Bank the profile, how to read a UBPR, or how this data updates.