Milford Building and Loan Association, SB: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.29 percentage points lower than in Q1 2026, at 101.26%. Milford Building and Loan Association, SB ranks 153rd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 76.52% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Milford Building and Loan Association, SB sits 8.89 points higher, at 76.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.52% |
| Net loans and leases to deposits | 75.36% |
| Loans and leases to core deposits | 101.26% |
| Core deposits to total deposits | 75.56% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 80.98% | 83.56% | $0 | $750K |
| Q4 2023 | 75.31% | 80.20% | $0 | $0 |
| Q1 2024 | 74.36% | 79.98% | $0 | $0 |
| Q2 2024 | 72.80% | 77.03% | $0 | $0 |
| Q3 2024 | 78.81% | 79.24% | $0 | $0 |
| Q4 2024 | 79.17% | 78.73% | $0 | $0 |
| Q1 2025 | 79.23% | 75.93% | $0 | $0 |
| Q2 2025 | 74.09% | 73.27% | $0 | $0 |
| Q3 2025 | 76.79% | 72.70% | $0 | $0 |
| Q4 2025 | 77.85% | 74.91% | $0 | $0 |
| Q1 2026 | 76.77% | 74.86% | $0 | $0 |
| Q2 2026 | 76.52% | 75.56% | $0 | $0 |
Milford Building and Loan Association, SB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Building and Loan Association, SB, freeSource: Call Report Schedules RC and RC-M, 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)