$653M
+3.8%y/y
Percentile by value72nd percentileby value
FDIC
ASSETMB
The Milford Bank
Milford, ConnecticutFDIC Cert #16101
STATEEstablished 18726 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Milford Bank reported $653M in total assets. Deposits grew 1.93% over the prior year.
Return on assets was 0.65%, compared with an asset-peer median of 1.22%. The leverage ratio was 9.83%.
- Why is Efficiency Ratio above asset peers?
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio below asset 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
$514M
+1.9%y/y
Percentile by value65th percentileby value
FDIC
DEP$502M
+4.0%y/y
Percentile by value80th percentileby value
FDIC
LNLSNET0.65%
−1 bpsy/y
Peer standing17th percentile
FDIC
NETINC + ROA79.26%
+234 bpsy/y
Peer standing14th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.83%
+33 bpsy/y
Peer standing33rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| 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
| Category | Balance |
|---|---|
| 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 |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.65%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE7.47%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.52%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.26%14th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+1.93%35th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+4.04%39th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.24%63rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ9.83%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
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
FDIC
EINTEXP + DEPIDOM2.05%71st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC147%43rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.65%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.21%Median 0.73%90th 1.36%Observations 27
ROE
FDIC
NETINC + ROE7.47%58th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.77%Median 7.05%90th 11.04%Observations 27
NIM
FDIC
NIM + NIMY3.52%73rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.61%Median 3.40%90th 4.21%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.26%31st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.76%Median 73.60%90th 90.29%Observations 27
Deposits YoY
FDIC
DEP+1.93%19th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.93%Median +5.41%90th +21.94%Observations 27
Loans YoY
FDIC
LNLSNET+4.04%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.78%Median +7.63%90th +17.16%Observations 27
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.24%73rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.11%Median 0.47%90th 1.57%Observations 27
Leverage
FDIC
RBC1AAJ9.83%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.45%Median 10.32%90th 15.04%Observations 27
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
FDIC
EINTEXP + DEPIDOM2.05%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.39%90th 3.64%Observations 27
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC147%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 69%Median 247%90th 323%Observations 17
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.65%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.71%90th 2.02%Observations 11
ROE
FDIC
NETINC + ROE7.47%60th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.20%Median 6.30%90th 9.29%Observations 11
NIM
FDIC
NIM + NIMY3.52%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.34%Median 3.52%90th 4.38%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.26%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.82%Median 78.16%90th 94.43%Observations 11
Deposits YoY
FDIC
DEP+1.93%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.81%Median +2.58%90th +21.16%Observations 11
Loans YoY
FDIC
LNLSNET+4.04%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.08%Median +4.04%90th +10.07%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.24%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.24%90th 1.81%Observations 11
Leverage
FDIC
RBC1AAJ9.83%30th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.38%Median 10.19%90th 18.90%Observations 11
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
FDIC
EINTEXP + DEPIDOM2.05%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.57%Median 2.02%90th 3.71%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC147%40th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 163%90th 319%Observations 6
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 6 branches
- Headquarters
- Milford, CT
FDIC
OFFDOMOpen 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