Milford Building and Loan Association, SB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 2.74 percentage points in Q2 2026, from 16.88% to 14.14%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Milford Building and Loan Association, SB is 153rd of 323 on loan-to-deposit ratio, 76.52% as of Q2 2026, above the middle of the field. Milford Building and Loan Association, SB reported 76.52% on loan-to-deposit ratio for Q2 2026, 8.89 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.7M |
| Net loans and leases | $18.5M |
| Loans held for sale | $0 |
| Loans to total assets | 66.75% |
| Loan-to-deposit ratio | 76.52% |
| Net loans to equity capital | 5.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 7.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.14% |
| Construction concentration (Tier 1 capital + allowance) | 14.14% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.16% |
| Interest income on loans | $280K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $19.8M | $24.4M | 2.52% | 0.00% | 0.08% |
| Q4 2023 | $19.1M | $25.3M | 2.83% | 0.00% | 0.08% |
| Q1 2024 | $18.6M | $25.0M | 2.83% | 0.00% | 0.00% |
| Q2 2024 | $18.7M | $25.7M | 2.73% | 0.00% | 0.00% |
| Q3 2024 | $18.9M | $24.0M | 2.33% | 0.00% | 0.00% |
| Q4 2024 | $18.6M | $23.4M | 2.02% | 0.00% | 0.00% |
| Q1 2025 | $18.4M | $23.2M | 1.95% | 0.00% | 0.00% |
| Q2 2025 | $18.3M | $24.7M | 1.87% | 0.00% | 0.00% |
| Q3 2025 | $18.6M | $24.2M | 2.09% | 0.00% | 0.00% |
| Q4 2025 | $18.6M | $23.9M | 1.98% | 0.00% | 0.00% |
| Q1 2026 | $18.3M | $23.8M | 1.90% | 0.00% | 0.00% |
| Q2 2026 | $18.7M | $24.5M | 2.42% | 0.00% | 0.00% |
Milford Building and Loan Association, SB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Building and Loan Association, SB, freeSource: Call Report Schedule RC-C, 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)