Milford Federal Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.94% +2.94 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $60.7M | 60,741 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $508.6M | 508,575 | RCOAA224 |
| Recomputed ratio | 11.94% | numerator / denominator | |
| Filed ratio | 11.94% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.94 pp | $15.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 60,741 | 60,245 | 59,850 | 59,213 | 58,641 | 58,292 | RCOAKW00 |
| Accumulated other comprehensive income | (1,199) | (1,215) | (966) | (1,085) | (1,576) | (1,521) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 59,542 | 59,030 | 58,884 | 58,128 | 57,065 | 56,771 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,199 | 1,215 | 966 | 1,085 | 1,576 | 1,521 | P859 - P840 |
| Common equity Tier 1 capital | 60,741 | 60,245 | 59,850 | 59,213 | 58,641 | 58,292 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 60,741 | 60,245 | 59,850 | 59,213 | 58,641 | 58,292 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 508,575 | 541,139 | 541,747 | 532,980 | 522,634 | 523,690 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.94% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.13% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.05% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.11% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.22% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.13% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.25% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.87% | 18.87% | 19.51% | 11.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.22% | 19.22% | 19.87% | 11.57% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.53% | 19.53% | 20.20% | 11.44% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.13% | 19.13% | 19.84% | 11.55% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.54% | 18.54% | 19.24% | 11.42% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Milford Federal Bank (this bank) | CBLR | NA | NA | NA | 11.94% | |
| Glenwood State Bank (Incorporated) | $545.2M | Risk-based | 12.14% | 12.14% | 13.39% | 10.28% |
| Lisle Savings Bank | $544.5M | CBLR | NA | NA | NA | 26.10% |
| Bank of the Flint Hills | $544.5M | Risk-based | 10.03% | 10.03% | 11.22% | 8.65% |
| Labette Bank | $544.4M | CBLR | NA | NA | NA | 13.06% |
| Magnolia Bank, Inc | $546.3M | CBLR | NA | NA | NA | 10.96% |
| The Friendship State Bank | $543.8M | Risk-based | 15.47% | 15.47% | 16.62% | 8.79% |
| Bank of Texas | $543.6M | Risk-based | 15.09% | 15.09% | 16.33% | 13.01% |
| Eaton Community Bank | $543.5M | CBLR | NA | NA | NA | 12.89% |
| Fidelity Bank | $546.8M | CBLR | NA | NA | NA | 13.07% |
| Austin County State Bank | $543.0M | CBLR | NA | NA | NA | 9.55% |
| Peer 25th percentile | 11.61% | 11.61% | 12.85% | 9.73% | ||
| Peer median | 13.61% | 13.61% | 14.86% | 11.92% | ||
| Peer 75th percentile | 15.18% | 15.18% | 16.40% | 13.05% | ||
| This bank's percentile | NA | NA | NA | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/227777/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.