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The Milford Bank

Milford, ConnecticutFDIC Cert #16101

STATEEstablished 18726 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

The Milford Bank reported $653M in total assets. Deposits grew 1.93% over the prior year.

Return on assets was 0.65%, compared with the official FFIEC UBPR peer median of 0.62%. The leverage ratio was 9.83%.

  • Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
  • Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
  • Why is Total Assets above its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$653M
+3.8%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$514M
+1.9%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICDEP
Net loans
$502M
+4.0%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET
ROA
0.65%
−1 bpsy/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROA
Efficiency
79.26%
+234 bpsy/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
9.83%
+33 bpsy/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICRBC1AAJ

Percentiles compare this bank with 152 ffiec ubpr peer group 102 — insured savings banks having assets between $300 million and $1 billion.

Side-by-side comparison

The Milford Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.65%

Registry median

0.62%
ROE

This bank

7.47%

FFIEC trimmed average

5.33%
NIM

This bank

3.52%

Registry median

3.27%
Loans YoY

This bank

+4.04%

FFIEC trimmed average

+4.57%
Leverage

This bank

9.83%

FFIEC trimmed average

12.68%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$528M$465M
Q3 2021$535M$471M
Q4 2021$543M$478M
Q1 2022$558M$497M
Q2 2022$582M$524M
Q3 2022$562M$508M
Q4 2022$560M$504M
Q1 2023$564M$491M
Q2 2023$570M$497M
Q3 2023$581M$498M
Q4 2023$586M$505M
Q1 2024$598M$507M
Q2 2024$600M$513M
Q3 2024$614M$505M
Q4 2024$625M$520M
Q1 2025$629M$504M
Q2 2025$634M$505M
Q3 2025$647M$496M
Q4 2025$644M$504M
Q1 2026$653M$514M

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$69.9M
Investor CRE$52.8M
Multifamily$13.5M
Construction$35.5M
1–4 family$245M
C&I$74.8M
Agriculture$0
Other$16M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
54th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.08%Median 0.62%90th 1.27%Observations 152
ROE
FDICNETINC + ROE
74th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 0.81%Median 5.10%90th 11.70%Observations 152
NIM
FDICNIM + NIMY
60th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.32%Median 3.27%90th 4.17%Observations 152
Efficiency
FDICNONIX + NIM + NONII + EEFFR
47th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 57.00%Median 78.14%90th 96.23%Observations 152
Deposits YoY
FDICDEP
41st percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.99%Median +3.06%90th +10.97%Observations 152
Loans YoY
FDICLNLSNET
46th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −2.45%Median +4.37%90th +13.07%Observations 151
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
36th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.03%Median 0.40%90th 1.81%Observations 151
Leverage
FDICRBC1AAJ
28th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.69%Median 11.69%90th 19.02%Observations 152

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
71st percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.62%Median 2.50%90th 3.50%Observations 151
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
57th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 126%90th 290%Observations 98

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
6 branches
Headquarters
Milford, CT
FDICOFFDOMOpen the Connecticut dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data