Milford Federal Bank: 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.
Other borrowed money dropped 18.3% in Q2 2026, from $39.7M to $32.4M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Milford Federal Bank is 20th of 89 on loan-to-deposit ratio, 103.22% as of Q2 2026, above the middle of the field. Milford Federal Bank reported 103.22% on loan-to-deposit ratio for Q2 2026, 22.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.3M |
| 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 | $32.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.22% |
| Net loans and leases to deposits | 102.75% |
| Loans and leases to core deposits | 113.04% |
| Core deposits to total deposits | 91.31% |
| 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 | 115.66% | 94.76% | $0 | $63.3M |
| Q4 2023 | 117.65% | 94.60% | $0 | $65.5M |
| Q1 2024 | 116.62% | 93.79% | $0 | $75.3M |
| Q2 2024 | 117.01% | 94.08% | $0 | $70.0M |
| Q3 2024 | 119.38% | 93.74% | $0 | $77.2M |
| Q4 2024 | 113.52% | 92.74% | $0 | $71.5M |
| Q1 2025 | 111.35% | 92.70% | $0 | $53.7M |
| Q2 2025 | 114.99% | 93.05% | $0 | $66.5M |
| Q3 2025 | 112.00% | 93.25% | $0 | $56.2M |
| Q4 2025 | 107.71% | 91.13% | $0 | $47.9M |
| Q1 2026 | 104.24% | 90.84% | $0 | $39.7M |
| Q2 2026 | 103.22% | 91.31% | $0 | $32.4M |
Milford Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Federal Bank, 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29835) · FFIEC NIC profile (RSSD 227777)