Milford Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Milford Federal Bank of Milford, MA against its peer group of 2672 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% | 1.34% | -0.95% | 10th bottom |
| ROAE | 3.36% | 13.32% | -9.96% | 10th bottom |
| Net Interest Margin | 2.71% | 3.93% | -1.22% | 5th bottom |
| Efficiency Ratio | 83.25% | 61.13% | +22.12% | 11th bottom |
| PPNR / Avg Assets | 0.52% | 1.68% | -1.16% | 9th bottom |
| Yield on Earning Assets | 4.72% | 5.67% | -0.95% | 14th bottom |
| Cost of Funds | 2.18% | 1.88% | +0.30% | 27th below |
| Net Interest Spread | 2.42% | 3.32% | -0.90% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.70% | -0.36% | 48th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 0.46% | 1.28% | -0.82% | 2nd bottom |
| ACL / NPLs (Coverage) | 114.71% | 1539.50% | -1424.79% | 32nd below |
| Texas Ratio | 3.01% | 7.33% | -4.32% | 54th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 866.67% | 1395.91% | -529.24% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.94% | 12.14% | -0.20% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.37% | -0.45% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.09% | -0.17% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.22% | 80.63% | +22.59% | 8th bottom |
| Core Deposit Ratio | 91.31% | 86.86% | +4.45% | 63rd above |
| Wholesale Funding Ratio | 5.94% | 5.03% | +0.91% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.16% | 6.85% | -3.69% | 41st below |
| Loan Growth (Y/Y) | 0.51% | 7.91% | -7.40% | 24th bottom |
| Deposit Growth (Y/Y) | 11.97% | 6.28% | +5.69% | 87th top |
See Milford Federal Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Milford Federal Bank, 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 Federal Bank profile, how to read a UBPR, or how this data updates.