Milford Federal Bank: 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 6.07 percentage points in Q2 2026, from 50.88% to 44.81%. It was the largest change from Q1 2026 among the key lines here. Milford Federal Bank ranks 20th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 103.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Milford Federal Bank sits 22.38 points higher, at 103.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $466.1M |
| Net loans and leases | $463.9M |
| Loans held for sale | $0 |
| Loans to total assets | 85.51% |
| Loan-to-deposit ratio | 103.22% |
| Net loans to equity capital | 7.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.58% |
| Multifamily (5+ residential) | 2.99% |
| Commercial and industrial | 0.01% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.81% |
| Construction concentration (Tier 1 capital + allowance) | 14.02% |
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 | 4.85% |
| Interest income on loans | $5.6M |
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 | $431.8M | $373.4M | 3.91% | 0.04% | 1.08% |
| Q4 2023 | $436.3M | $370.9M | 4.89% | 0.04% | 1.01% |
| Q1 2024 | $437.3M | $375.0M | 3.65% | 0.03% | 0.90% |
| Q2 2024 | $437.5M | $373.9M | 3.60% | 0.03% | 0.85% |
| Q3 2024 | $442.8M | $371.0M | 3.49% | 0.03% | 0.79% |
| Q4 2024 | $448.3M | $394.9M | 3.42% | 0.02% | 0.70% |
| Q1 2025 | $453.6M | $407.4M | 3.94% | 0.02% | 0.57% |
| Q2 2025 | $463.7M | $403.3M | 4.83% | 0.02% | 1.62% |
| Q3 2025 | $472.2M | $421.6M | 5.06% | 0.01% | 1.45% |
| Q4 2025 | $466.1M | $432.8M | 4.09% | 0.00% | 1.33% |
| Q1 2026 | $464.3M | $445.4M | 4.15% | 0.00% | 1.23% |
| Q2 2026 | $466.1M | $451.5M | 4.58% | 0.01% | 1.16% |
Milford Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Federal Bank, 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29835) · FFIEC NIC profile (RSSD 227777)