Milford Building and Loan Association, SB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Milford Building and Loan Association, SB of Milford, IL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.39% | 3.33% | -2.94% | 23rd bottom |
| ROAE | 3.22% | 8.29% | -5.07% | 25th below |
| Net Interest Margin | 2.80% | 3.93% | -1.13% | 11th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 78.01% | 84.48% | -6.47% | 35th below |
| PPNR / Avg Assets | 0.61% | 1.56% | -0.95% | 24th bottom |
| Yield on Earning Assets | 5.13% | 5.24% | -0.11% | 46th below |
| Cost of Funds | 2.65% | 1.67% | +0.98% | 13th bottom |
| Net Interest Spread | 2.51% | 3.30% | -0.79% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.10% | 1.42% | +0.68% | 17th bottom |
| NPA / Total Assets | 1.71% | 0.71% | +1.00% | 11th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.50% | 1.53% | -0.03% | 67th above |
| ACL / NPLs (Coverage) | 71.76% | 723.20% | -651.44% | 29th below |
| Texas Ratio | 15.54% | 8.55% | +6.99% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.29% | 22.10% | -9.81% | 42nd below |
| Equity / Assets | 11.99% | 20.74% | -8.75% | 46th below |
| TCE / Tangible Assets | 11.99% | 20.49% | -8.50% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.52% | 74.26% | +2.26% | 36th below |
| Core Deposit Ratio | 75.56% | 88.33% | -12.77% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.32% | 3.83% | -4.15% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.55% | 6.85% | -4.30% | 51st above |
| Deposit Growth (Y/Y) | -0.71% | 2.98% | -3.69% | 31st below |
See Milford Building and Loan Association, SB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Milford Building and Loan Association, SB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Milford Building and Loan Association, SB profile, how to read a UBPR, or how this data updates.