BlastPoint's Banking Scorecard

Milford Federal Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 29835

Designations: ✓ Mutual

Milford, MA

4 branches across MA · RI

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 39 in MA.
Deposits +12.0% year over year ($451.5M on the books).
Delinquency rate 0.40%.
Return on assets 0.33%.
Efficiency ratio 84.79% vs a 64.48% peer average.
Loan-to-deposit ratio 102.75% 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 39 in MA

View $100M-$1B leaderboard (MA) →

Milford Federal Bank has 1 strength but faces 7 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 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.2% in tier
- Credit Quality Pressure: Bottom 32.6% in tier
- Liquidity Strain: Bottom 39.4% in tier
- Efficiency Drag: Bottom 49.3% in tier
- Return on Assets 0.99% below tier average
- Net Interest Margin 1.35% below tier average
- Non-Interest-Bearing Deposit Share 13.17% below tier average

Get updates when Milford Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$545.1M +3.2% YoY -0.1% QoQ	+$158.5M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$463.9M +0.5% YoY +0.4% QoQ	+$205.6M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 14.4% in tier
Total Deposits ?	$451.5M +12.0% YoY +1.4% QoQ	+$124.8M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	0.33% +65.7% YoY +13.2% QoQ	-0.99%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 7.8% in tier
Net Interest Margin ?	2.63% +7.8% YoY +1.8% QoQ	-1.35%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 4.0% in tier
Efficiency Ratio ?	84.79% -5.2% YoY -1.8% QoQ	+20.31%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 9.0% in tier
Delinquency Rate ?	0.40% +72.8% YoY -9.9% QoQ	-0.52%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	102.75% -10.2% YoY -1.0% QoQ	+24.80%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 7.2% in tier
Non-Interest-Bearing Deposit Share ?	8.86% -1.5% YoY +4.2% QoQ	-13.17%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 8.4% in tier
Nonperforming Asset Ratio ?	0.34% +68.3% YoY -9.4% QoQ	-0.33%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	11.94% +6.4% YoY +7.3% QoQ	-3.97%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.17% -26.1% YoY +100.6% QoQ	-0.40%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	41%

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 (MA)	National Avg	Tier Percentile
Noninterest-Bearing	8.9% -0.1pp YoY +0.4pp QoQ	-13.3pp	22.1%	16.2%	22.2%	8%
Brokered Deposits	n/a	n/a	7.9%	6.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	0.0% 0.0pp YoY	-11.5pp	11.6%	6.5%	12.5%	0%
CRE	9.5% +0.4pp YoY -0.2pp QoQ	-30.0pp	39.5%	40.3%	41.4%	4%
1-4 Family	89.8% +0.1pp YoY +0.2pp QoQ	+57.2pp	32.6%	52.4%	31.3%	98%
Consumer	1.2% -0.5pp YoY -0.1pp QoQ	-3.0pp	4.1%	1.6%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.6%	19.7%	n/a
Leverage Ratio	11.9% +0.7pp YoY +0.8pp QoQ	-0.2pp	12.2%	11.5%	12.6%	64%
Total Capital Ratio	n/a	n/a	19.9%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	65 +1 (+1.6%) YoY +3 (+4.8%) QoQ	+6	58	755	482	67%
Assets per Employee ($)	$8.4M +1.6% YoY -4.7% QoQ	+$868K	$7.5M	$10.7M	$8.8M	73%
Branch Count	4 0 YoY 0 QoQ	-1	4	13	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.4% +0.2pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	47%
Allowance Coverage	1.15x -40.9% YoY +10.8% QoQ	-23.01x	24.15x	7.95x	20.23x	31%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	3.0% +1.2pp YoY +0.3pp QoQ	-9.2pp	12.2%	5.6%	11.6%	8%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	2.0%	1.7%	70%
Net Income ($, YTD)	$891,000 +72.0% YoY — QoQ	-$1.7M	$2.6M	$31.7M	$40.4M	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (4)

Credit Risk Growth

risk

#12 of 936 • Bottom 1.2% 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 | QoQ rank improving

Credit Quality Pressure

risk

#411 of 1256 • Bottom 32.6% in tier

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

Why this signature

Delinquency Rate: 0.40%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#273 of 691 • Bottom 39.4% 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: 102.75%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#179 of 361 • Bottom 49.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.79%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

382

Total Loans

size

Value: $463.94M

Peer Median: $258.35M

#382 of 2643 Top 14.4% in $100M-$1B

642

Total Assets

size

Value: $545.08M

Peer Median: $386.57M

#642 of 2643 Top 24.3% in $100M-$1B

659

Total Deposits

size

Value: $451.53M

Peer Median: $326.73M

#659 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (5 metrics)

2537

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.99%

#2537 of 2643 Bottom 4.0% in $100M-$1B

2454

Loan-to-Deposit Ratio

liquidity

Value: 102.75%

Peer Median: 77.95%

#2454 of 2643 Bottom 7.2% in $100M-$1B

2437

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.32%

#2437 of 2643 Bottom 7.8% in $100M-$1B

2421

Non-Interest-Bearing Deposit Share

funding

Value: 8.86%

Peer Median: 22.03%

#2421 of 2643 Bottom 8.4% in $100M-$1B

2405

Efficiency Ratio

profitability

Value: 84.79%

Peer Median: 64.48%

#2405 of 2643 Bottom 9.0% in $100M-$1B