Milford Building and Loan Association, SB
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Data as of · sourced from FFIEC call reports. How we update
Milford Building and Loan Association, SB is an FDIC-insured savings bank headquartered in Milford, IL, established in 1883 (FDIC certificate 30152), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $28.1M, down 0.3% from Q2 2025, the 310th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30152
- Headquarters
- Milford, IL
- Established
- 1883
- Total assets, Q2 2026
- $28.1M
- Assets vs Q2 2025
- -0.3%
- Tier 1 leverage ratio, Q2 2026
- 12.29%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 271172615
- Latest call report
- Q2 2026, FFIEC 051 · Milford Building and Loan Association, SB Q3 2026 call report, filed October 15, 2026 (preliminary)
- Asset rank in state
- 310th of 319 in Illinois
Milford Building and Loan Association, SB, based in Milford, Illinois, reported $28 million in assets at June 30, 2026. It keeps 2.80 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). It also carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 8.1 times the median of 1.9% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.55% of loans, down from 4.09% a year earlier. Earnings jumped: net income for the quarter was $27,000, 59% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.65% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Milford Building and Loan Association, SB reported a return on assets of 0.39%, a nonperforming-loan ratio of 2.55% and a Texas ratio of 15.54%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Milford Building and Loan Association, SB is the 310th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $28.1M, loans rose 2.5% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 86.9% of total loans, followed by farmland and other real estate loans at 7.8%. Its one office in the FDIC Summary of Deposits is in Milford, IL. On its Q2 2026 call report, Milford Building and Loan Association, SB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 131 E Jones St, Milford, IL 60953
- County
- Iroquois
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $24.5M
- Allowance for credit losses
- $282K
- Net charge-offs (YTD)
- $0
- Average total assets
- $27.4M
- Average total loans
- $18.2M
- Average interest-bearing deposits
- $23.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30152
- Fed RSSD
- 994770
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Milford Building and Loan Association, SB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Milford Building and Loan Association, SB's total assets ran between $26.7M (Q1 2025) and $29.2M (Q2 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$28.1M total assets against $28.2M; $24.7M total liabilities against $24.9M.
$18.5M net loans and leases against $18.0M; $24.5M total deposits against $24.7M.
$4K securities against $4K; $9.1M cash and balances due against $9.7M.
$348K total interest income against $335K; $158K total interest expense against $169K.
$190K net interest income against $166K.
$1K total noninterest income against $15K; $149K total noninterest expense against $141K.
$4K provision for credit losses against $15K.
$27K net income against $17K.
0.39% return on assets against 0.24%; 2.80% net interest margin against 2.38%.
12.29% tier 1 leverage ratio against 11.62%.
Inside the full Milford Building and Loan Association, SB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q4 2024) to 0.59% (Q4 2025) and its net interest margin ran from 2.25% (Q1 2025) to 2.80% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.29% | 0.39% | 2.55% | 15.54% | 2.80% |
| Q1 2026 | 12.26% | 0.23% | 3.89% | 22.07% | 2.49% |
| Q4 2025 | 12.02% | 0.59% | 5.25% | 27.13% | 2.60% |
| Q3 2025 | 11.82% | 0.29% | 4.58% | 23.96% | 2.40% |
| Q2 2025 | 11.62% | 0.24% | 4.09% | 21.25% | 2.38% |
| Q1 2025 | 11.96% | 0.13% | 2.84% | 14.77% | 2.25% |
| Q4 2024 | 11.95% | 0.03% | 3.66% | 19.32% | 2.44% |
| Q3 2024 | 11.48% | 0.43% | 3.60% | 19.42% | 2.33% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Milford Building and Loan Association | Milford , IL | 60953 | $24.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 365 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Milford Building and Loan Association, SB
What are Milford Building and Loan Association, SB's total assets?
As of the Q2 2026 filing, Milford Building and Loan Association, SB reported total assets of $28.1 million in its FFIEC call report.
Where is Milford Building and Loan Association, SB headquartered?
It is headquartered in Milford, IL, United States.
When was Milford Building and Loan Association, SB founded?
It was established in 1883, per the FDIC institution directory.
Is Milford Building and Loan Association, SB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Milford Building and Loan Association, SB?
Milford Building and Loan Association, SB's primary federal regulator is the FDIC.
How many branches does Milford Building and Loan Association, SB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Milford Building and Loan Association, SB's Texas Ratio?
Its Texas Ratio is 15.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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