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The Milford Bank

$100M-$1B Specialty: Commercial CT FDIC cert 16101

Designations: ✓ Mutual

Milford, CT

6 branches across CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in CT.
  • Deposits +1.3% year over year ($511.4M on the books).
  • Delinquency rate 0.49%.
  • Return on assets 0.65%.
  • Efficiency ratio 77.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in CT
View $100M-$1B leaderboard (CT) →

The Milford Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 28.3% in tier
  • - Credit Quality Pressure: Bottom 42.0% in tier
  • - Liquidity Strain: Bottom 49.6% in tier
  • - ROA 0.67% below tier average
  • - Net Interest Margin 0.37% below tier average
  • - Efficiency Ratio 12.64% above tier average
Get updates when The Milford Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $652.0M
+2.8% YoY -0.1% QoQ
+$265.4M $386.6M
+1.2% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
85%
Total Loans ? $515.6M
+4.6% YoY +2.6% QoQ
+$257.3M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 10.1% in tier
Total Deposits ? $511.4M
+1.3% YoY -0.4% QoQ
+$184.6M $326.7M
+0.7% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 0.65%
+11.1% YoY +0.8% QoQ
-0.67% 1.32%
+10.8% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.62%
+10.3% YoY +2.7% QoQ
-0.37% 3.99%
+5.0% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 77.12%
-1.4% YoY -2.7% QoQ
+12.64% 64.48%
-3.2% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.49%
+121.8% YoY +105.6% QoQ
-0.42% 0.92%
+15.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 100.83%
+3.3% YoY +3.1% QoQ
+22.88% 77.95%
+1.0% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
Bottom 9.0% in tier
Non-Interest-Bearing Deposit Share ? 28.60%
+5.3% YoY +3.2% QoQ
+6.57% 22.03%
-0.6% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.39%
+125.7% YoY +111.2% QoQ
-0.28% 0.67%
+16.4% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 14.36%
+1.8% YoY -0.4% QoQ
-1.55% 15.91%
+1.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.24%
-0.7% YoY +295.8% QoQ
-0.33% 0.57%
+7.6% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Noninterest-Bearing 28.6%
+1.4pp YoY
+0.9pp QoQ
 +6.4pp 22.1% 22.1% 22.2% 78%
Brokered Deposits n/a n/a 7.9% 8.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 15.4%
+1.9pp YoY
+0.5pp QoQ
 +3.8pp 11.6% 11.4% 12.5% 77%
CRE 32.6%
-2.6pp YoY
-1.6pp QoQ
 -6.9pp 39.5% 42.4% 41.4% 39%
1-4 Family 50.0%
+1.4pp YoY
+1.3pp QoQ
 +17.4pp 32.6% 42.2% 31.3% 82%
Consumer 2.9%
-0.6pp YoY
-0.2pp QoQ
 -1.2pp 4.1% 4.1% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 14.4%
+0.2pp YoY
-0.1pp QoQ
 -4.5pp 18.8% 15.0% 19.7% 43%
Leverage Ratio 9.9%
+0.4pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 12.7% 12.6% 30%
Total Capital Ratio 15.5%
+0.3pp YoY
0.0pp QoQ
 -4.4pp 19.9% 16.0% 20.8% 43%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 82
0 YoY
-4 (-4.7%) QoQ
 +23 58 342 482 78%
Assets per Employee ($) $8.0M
+2.8% YoY
+4.8% QoQ
 +$433K $7.5M $9.9M $8.8M 67%
Branch Count 6
0 YoY
0 QoQ
 +1 4 19 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.5%
+0.3pp YoY
+0.3pp QoQ
 -0.4pp 0.9% 0.7% 1.0% 52%
Allowance Coverage 2.01x
-53.2% YoY
-49.1% QoQ
 -22.14x 24.15x 4.87x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 7.5%
+0.2pp YoY
0.0pp QoQ
 -4.7pp 12.2% 8.2% 11.6% 23%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 20%
Net Income ($, YTD) $2.1M
+14.7% YoY
— QoQ
 -$434K $2.6M $28.0M $40.4M 55%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#266 of 936 • Bottom 28.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#529 of 1256 • Bottom 42.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.49%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#344 of 691 • Bottom 49.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.83%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

268
Total Loans
size
Value: $515.60M
Peer Median: $258.35M
#268 of 2643 Top 10.1% in $100M-$1B
410
Total Assets
size
Value: $652.01M
Peer Median: $386.57M
#410 of 2643 Top 15.5% in $100M-$1B
500
Total Deposits
size
Value: $511.36M
Peer Median: $326.73M
#500 of 2643 Top 18.9% in $100M-$1B
589
Non-Interest-Bearing Deposit Share
funding
Value: 28.60%
Peer Median: 22.03%
#589 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (3 metrics)

2406
Loan-to-Deposit Ratio
liquidity
Value: 100.83%
Peer Median: 77.95%
#2406 of 2643 Bottom 9.0% in $100M-$1B
2195
Return on Assets
profitability
Value: 0.65%
Peer Median: 1.32%
#2195 of 2643 Bottom 17.0% in $100M-$1B
2188
Efficiency Ratio
profitability
Value: 77.12%
Peer Median: 64.48%
#2188 of 2643 Bottom 17.3% in $100M-$1B
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