Milford Federal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.20 percentage points higher than in Q1 2026, at 114.71%. Within Massachusetts, Milford Federal Bank is 77th of 89 on return on assets, 0.39% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Milford Federal Bank reported 0.39% on return on assets in Q2 2026, 0.86 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.94% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.01% |
| Allowance for credit losses to loans | 0.46% |
| Reserve coverage of non-performing loans | 114.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 3.36% |
| Net interest margin | 2.71% |
| Efficiency ratio | 83.25% |
| Yield on earning assets | 4.72% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.22% |
| Core deposits to total deposits | 91.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.84% |
| Securities to assets | 4.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.54% | 18.54% | 19.24% | 11.42% | 0.42% |
| Q4 2023 | 19.13% | 19.13% | 19.84% | 11.55% | 0.47% |
| Q1 2024 | 19.53% | 19.53% | 20.20% | 11.44% | 0.22% |
| Q2 2024 | 19.22% | 19.22% | 19.87% | 11.57% | 0.22% |
| Q3 2024 | 18.87% | 18.87% | 19.51% | 11.55% | 0.24% |
| Q4 2024 | — | — | — | 11.25% | 0.09% |
| Q1 2025 | — | — | — | 11.13% | 0.13% |
| Q2 2025 | — | — | — | 11.22% | 0.27% |
| Q3 2025 | — | — | — | 11.11% | 0.43% |
| Q4 2025 | — | — | — | 11.05% | 0.47% |
| Q1 2026 | — | — | — | 11.13% | 0.29% |
| Q2 2026 | — | — | — | 11.94% | 0.39% |
Milford Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Federal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)