Milford Federal Bank: 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 standout move of Q2 2026 was in Equity capital to average assets: 0.80 percentage points higher than in Q1 2026, at 11.71%.
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 | 11.94% |
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 | $60.7M |
| Tier 1 capital | $60.7M |
| Total risk-based capital | — |
| Total equity capital | $59.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
| Equity capital to average assets | 11.71% |
| Internal capital growth rate | 3.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $60.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 18.54% | 18.54% | 19.24% | 11.42% | $305.1M |
| Q4 2023 | 19.13% | 19.13% | 19.84% | 11.55% | $298.7M |
| Q1 2024 | 19.53% | 19.53% | 20.20% | 11.44% | $294.2M |
| Q2 2024 | 19.22% | 19.22% | 19.87% | 11.57% | $300.3M |
| Q3 2024 | 18.87% | 18.87% | 19.51% | 11.55% | $307.5M |
| Q4 2024 | — | — | — | 11.25% | — |
| Q1 2025 | — | — | — | 11.13% | — |
| Q2 2025 | — | — | — | 11.22% | — |
| Q3 2025 | — | — | — | 11.11% | — |
| Q4 2025 | — | — | — | 11.05% | — |
| Q1 2026 | — | — | — | 11.13% | — |
| Q2 2026 | — | — | — | 11.94% | — |
Milford Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Federal Bank, 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29835) · FFIEC NIC profile (RSSD 227777)