BlastPoint's Banking Scorecard
Milford Building and Loan Association
Designations: ✓ Community bank ✓ Mutual
Milford, IL
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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -0.7% year over year ($24.5M on the books).
- Delinquency rate 2.59%.
- Return on assets 0.31%.
- Efficiency ratio 80.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 75.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Milford Building and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 38.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.25% below tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - Non-Interest Income / Assets 1.38% below tier average
- - ROA 0.69% below tier average
- - Delinquency Rate 1.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.1M
-0.3% YoY
+2.7% QoQ
|
-$34.3M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.9% in tier |
| Total Loans ? |
$18.5M
+2.4% YoY
+2.6% QoQ
|
-$16.4M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$24.5M
-0.7% YoY
+2.9% QoQ
|
-$27.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.2% in tier |
| Return on Assets ? |
0.31%
+63.3% YoY
+33.2% QoQ
|
-0.69% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.66%
+12.0% YoY
+5.2% QoQ
|
-1.25% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio ? |
80.56%
-2.5% YoY
-3.4% QoQ
|
-38.84% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
2.59%
-37.5% YoY
-34.3% QoQ
|
+1.11% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
75.36%
+3.2% YoY
-0.3% QoQ
|
+1.15% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
2.02%
-24.0% YoY
-30.9% QoQ
|
+1.18% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.6% in tier |
| Tier 1 Capital Ratio ? |
12.29%
+5.7% YoY
-50.8% QoQ
|
-14.84% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.00%
-93.7% YoY
|
-1.38% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 24.6% | 20.1% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 14.7% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
88.3%
+0.4pp YoY +1.0pp QoQ |
+53.3pp | 35.0% | 28.3% | 31.3% | 96% |
| Consumer | n/a | n/a | 7.7% | 5.4% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
12.3%
+0.7pp YoY 0.0pp QoQ |
-5.4pp | 17.7% | 12.2% | 12.6% | 44% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
-1 (-20.0%) YoY 0 QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$7.0M
+24.6% YoY +2.7% QoQ |
+$834K | $6.2M | $8.3M | $8.8M | 66% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
-1.0pp YoY -1.3pp QoQ |
-0.5pp | 1.0% | 0.4% | 0.4% | 49% |
| Nonaccrual |
2.1%
-0.5pp YoY -0.1pp QoQ |
+0.4pp | 1.7% | 1.1% | 1.0% | 77% |
| Allowance Coverage |
0.59x
+73.4% YoY +50.6% QoQ |
-5.82x | 6.41x | 5.62x | 20.23x | 27% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.6%
+1.0pp YoY +0.6pp QoQ |
-3.8pp | 6.4% | 10.5% | 11.6% | 22% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+0.9pp | 1.4% | 1.6% | 1.7% | 89% |
| Net Income ($, YTD) |
$43,000
+65.4% YoY — QoQ |
-$275K | $317,817 | $11.7M | $40.4M | 17% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.