Milford Building and Loan Association, SB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.23 percentage points between Q1 2026 and Q2 2026, to 11.99%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.29% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.4M |
| Tier 1 capital | $3.4M |
| Total risk-based capital | — |
| Total equity capital | $3.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.99% |
| Tangible equity to tangible assets | 11.99% |
| Equity capital to average assets | 12.29% |
| Internal capital growth rate | 3.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.92% | 21.92% | 23.18% | 11.12% | $14.5M |
| Q4 2023 | 22.08% | 22.08% | 23.33% | 11.06% | $14.3M |
| Q1 2024 | 23.40% | 23.40% | 24.65% | 11.17% | $13.5M |
| Q2 2024 | 23.07% | 23.07% | 24.33% | 11.01% | $13.9M |
| Q3 2024 | 23.82% | 23.82% | 25.08% | 11.48% | $13.6M |
| Q4 2024 | 24.46% | 24.46% | 25.71% | 11.95% | $13.2M |
| Q1 2025 | — | — | — | 11.96% | — |
| Q2 2025 | — | — | — | 11.62% | — |
| Q3 2025 | 24.39% | 24.39% | 25.65% | 11.82% | $13.5M |
| Q4 2025 | 24.59% | 24.59% | 25.85% | 12.02% | $13.5M |
| Q1 2026 | 24.99% | 24.99% | 26.25% | 12.26% | $13.4M |
| Q2 2026 | — | — | — | 12.29% | — |
Milford Building and Loan Association, SB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Building and Loan Association, SB, freeSource: Call Report Schedule RC-R, 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 Building and Loan Association, SB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30152) · FFIEC NIC profile (RSSD 994770)