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Bank call report · Milford, IL

Milford Building and Loan Association, SB Call Report

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Milford Building and Loan Association, SB filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 166 reported line items, schedule by schedule (517 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Milford Building and Loan Association, SB call report filing details
Call report formFFIEC 051
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID994770
FDIC certificate number30152
Total assets$28.1M

Official Q2 2026 call report PDF (FFIEC) →

Milford Building and Loan Association, SB call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.

Schedule RC: Balance Sheet (19 items)

About Schedule RC · Milford Building and Loan Association, SB balance sheet trends

Milford Building and Loan Association, SB Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $28.1M
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $28.1M
Total Liabilities and Minority Interest RCON2948 $24.7M
Total Deposits RCON2200 $24.5M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $24.5M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $18.7M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $18.5M
Interest-bearing Balances RCON0071 $9.0M
Total Equity Capital RCON3210 $3.4M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $3.4M
Undivided Profits and Capital Reserves RCON3632 $3.4M
Other Assets RCON2160 $432K
Allowance for Loan and Lease Losses RCON3123 $282K
Other Liabilities, Total RCON2930 $219K
Other Real Estate Owned RCON2150 $88K
Noninterest-bearing Balances and Currency and Coin RCON0081 $75K
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $13K
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $4K
Held-to-maturity Securities, Total RCON1754 $4K
Schedule RI: Income Statement (29 items)

About Schedule RI · Milford Building and Loan Association, SB income statement trends

Milford Building and Loan Association, SB Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $677K
Interest and Fee Income on Loans, Total RIAD4010 $546K
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $469K
Net Interest Income RIAD4074 $359K
Total Interest Expense RIAD4073 $318K
Total Noninterest Expense RIAD4093 $290K
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $189K
Salaries and Employee Benefits RIAD4135 $170K
Interest Income on Balances Due from Depository Institutions RIAD4115 $129K
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $115K
Other Noninterest Expense RIAD4092 $99K
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $61K
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $61K
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $58K
Income (Loss) Before Discontinued Operations RIAD4300 $43K
Net Income (Loss) RIAD4340 $43K
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $43K
Expenses of Premises and Fixed Assets RIAD4217 $21K
Applicable Income Taxes RIAD4302 $18K
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $18K
Savings Deposits (Including Mmdas) RIAD0093 $14K
Provision for Loan and Lease Losses RIAD4230 $9K
Provisions for Credit Losses on Financial Assets RIADJJ33 $9K
Other Noninterest Income RIADB497 $7K
Net Gains (Losses) on Other Real Estate Owned RIAD5415 -$6K
Other Interest Income RIAD4518 $2K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $1K
Total Noninterest Income RIAD4079 $1K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 4
Schedule RC-B: Securities (4 items)

About Schedule RC-B · Milford Building and Loan Association, SB securities trends

Milford Building and Loan Association, SB Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $4K
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost RCONHT54 $4K
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value RCONHT55 $4K
Total Fair Value of Held-to-maturity Securities RCON1771 $4K
Schedule RC-C, Part I: Loans and Leases (22 items)

About Schedule RC-C, Part I · Milford Building and Loan Association, SB loans and leases trends

Milford Building and Loan Association, SB Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $18.7M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $15.9M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $15.7M
Pledged Loans and Leases RCONG378 $10.5M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $9.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $4.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $1.9M
Real Estate Loans Secured by Farmland RCON1420 $1.5M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $1.3M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $1.2M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $516K
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $472K
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $453K
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $384K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $323K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $130K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $127K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $27K
Other Loans RCONJ464 $25K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $9K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $9K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $5K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)

About Schedule RC-C, Part II

Milford Building and Loan Association, SB Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5583 $710K
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5581 $523K
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $273K
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5579 $222K
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $179K
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5582 710
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5580 523
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 273
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 222
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 179
Schedule RC-E: Deposit Liabilities (19 items)

About Schedule RC-E · Milford Building and Loan Association, SB deposit liabilities trends

Milford Building and Loan Association, SB Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $24.5M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $16.9M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $9.4M
Total Time Deposits of Less Than $100,000 RCON6648 $7.0M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $6.9M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $6.7M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $6.1M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $6.0M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $5.4M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $4.3M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $4.0M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $2.9M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $2.7M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $1.7M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $1.6M
Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. RCONB552 $733K
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $612K
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $260K
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $144K
Schedule RC-F: Other Assets (7 items)

About Schedule RC-F

Milford Building and Loan Association, SB Schedule RC-F, Q2 2026
Line item Code Q2 2026
Other Assets RCON2168 $173K
Accrued Interest Receivable RCONB556 $122K
Computer Software RCONFT33 $121K
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $74K
Net Deferred Tax Assets RCON2148 $63K
Prepaid Expenses RCON2166 $33K
Receivables from Foreclosed Government-guaranteed Mortgage Loans RCONFT35 $19K
Schedule RC-G: Other Liabilities (2 items)

About Schedule RC-G

Milford Building and Loan Association, SB Schedule RC-G, Q2 2026
Line item Code Q2 2026
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $142K
Other Expenses Accrued and Unpaid RCON3646 $77K
Schedule RC-K: Quarterly Averages (9 items)

About Schedule RC-K · Milford Building and Loan Association, SB quarterly averages trends

Milford Building and Loan Association, SB Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $27.4M
Quarterly Average of Total Loans RCON3360 $18.2M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $15.6M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $12.1M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $8.9M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $6.0M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $5.8M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $1.9M
Mortgage-backed Securities RCONB559 $4K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (3 items)

About Schedule RC-L · Milford Building and Loan Association, SB derivatives and off-balance-sheet items trends

Milford Building and Loan Association, SB Schedule RC-L, Q2 2026
Line item Code Q2 2026
All Other Off-balance Sheet Liabilities RCON3430 $5.9M
Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf RCONC978 $5.9M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $331K
Schedule RC-M: Memoranda (2 items)

About Schedule RC-M · Milford Building and Loan Association, SB memoranda trends

Milford Building and Loan Association, SB Schedule RC-M, Q2 2026
Line item Code Q2 2026
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $90K
All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices RCON5510 $88K
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)

About Schedule RC-N · Milford Building and Loan Association, SB past due and nonaccrual loans, leases, and other assets trends

Milford Building and Loan Association, SB Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $1.7M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $1.2M
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $393K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $375K
Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing RCON3493 $333K
Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days RCONF173 $218K
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $86K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing RCONC237 $83K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural RCONC230 $18K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing RCONC238 $6K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 90 Days or More and Still Accruing RCONC239 $3K
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)

About Schedule RC-O · Milford Building and Loan Association, SB other data for deposit insurance assessments trends

Milford Building and Loan Association, SB Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $27.4M
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $24.6M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $16.2M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $6.8M
Average Tangible Equity for the Calendar Quarter RCONK654 $3.4M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $1.6M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 853
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 39
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 11
Averaging Method Used RCONK653 1
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (14 items)

About Schedule RC-R, Part I · Milford Building and Loan Association, SB regulatory capital components and ratios trends

Milford Building and Loan Association, SB Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Total Assets RCOA2170 $28.1M
Average Total Assets (Net of Deductions) RCOAA224 $27.4M
Average total consolidated assets RCOAKW03 $27.4M
Common Equity Tier 1 Capital RCOAP859 $3.4M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $3.4M
Retained Earnings RCOAKW00 $3.4M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $3.4M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $3.4M
Off-balance sheet exposures: Unused portion of conditionally cancellable commitments RCOAKX79 $331K
Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B RCOAKX82 $331K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Do you qualify for and opt-in to CBLR? RCOALE74 1
Tier 1 Leverage Capital Ratio RCOA7204 0.1229
Total off-balance sheet exposures (sum of items 15a through 15.c) RCOAKX83 0.0118
Schedule RI-A: Changes in Bank Equity Capital (3 items)

About Schedule RI-A

Milford Building and Loan Association, SB Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $3.4M
Balance End of Previous Calendar Year as Restated RIADB508 $3.3M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $3.3M
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)

About Schedule RI-B, Part II · Milford Building and Loan Association, SB changes in allowances for credit losses trends

Milford Building and Loan Association, SB Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $282K
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $273K

Milford Building and Loan Association, SB call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the Milford Building and Loan Association, SB call report?

The Milford Building and Loan Association, SB call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does Milford Building and Loan Association, SB file?

Milford Building and Loan Association, SB files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the Milford Building and Loan Association, SB call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Milford Building and Loan Association, SB has Federal Reserve RSSD ID 994770 and FDIC certificate number 30152. Either one finds its filings on the FFIEC Central Data Repository.

How often does Milford Building and Loan Association, SB file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

Milford Building and Loan Association, SB financial reports and ratios →

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