Milford Bank the: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.62%. Within Connecticut, Milford Bank the is 8th of 27 on net interest margin, 3.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Milford Bank the sits 0.33 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 5.33% |
| Yield on securities | 2.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.92% | 0.93% | 3.07% | 4.47% | 1.80% |
| Q4 2023 | 4.06% | 1.05% | 3.10% | 4.60% | 1.82% |
| Q1 2024 | 4.09% | 1.28% | 2.91% | 4.66% | 1.79% |
| Q2 2024 | 4.22% | 1.26% | 3.06% | 4.76% | 1.81% |
| Q3 2024 | 4.31% | 1.42% | 3.01% | 4.88% | 1.79% |
| Q4 2024 | 4.36% | 1.39% | 3.09% | 4.91% | 1.90% |
| Q1 2025 | 4.43% | 1.41% | 3.14% | 4.99% | 1.86% |
| Q2 2025 | 4.48% | 1.39% | 3.22% | 5.05% | 1.87% |
| Q3 2025 | 4.58% | 1.43% | 3.28% | 5.13% | 1.88% |
| Q4 2025 | 4.67% | 1.41% | 3.40% | 5.22% | 1.98% |
| Q1 2026 | 4.66% | 1.33% | 3.44% | 5.20% | 2.03% |
| Q2 2026 | 4.80% | 1.30% | 3.62% | 5.33% | 2.15% |
Milford Bank the yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Bank the, freeSource: Call Report Schedules RI and RC-K, 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)