Milford Federal Bank
Milford, MA · Cert 29835 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 4 branches
Q2 2026
$545.1MAssets
$466.1MLoans
$451.5MDeposits
$59.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 70% of banks under $1B in assets (rank 177 of 581).
- Widest gap: net interest margin trails 87% of banks under $1B in assets (rank 549 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.33%
Rank 542 of 629
Net Interest Margin
2.66%
Rank 549 of 629
Efficiency Ratio
84.79%
Rank 516 of 629
Equity / Assets
10.92%
Rank 296 of 629
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 18% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.60% | 1.01% | 1.45% | Beats 14% | 542 / 629 | |
| Return on Equity | 2.99% | 5.38% | 9.30% | 13.28% | Beats 15% | 533 / 629 | |
| Net Interest Margin | 2.66% | 3.03% | 3.54% | 4.05% | Beats 13% | 549 / 629 | |
| Efficiency Ratio | 84.79% | 58.35% | 67.79% | 79.08% | Beats 18% | 516 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.09% | 0.46% | 1.20% | Beats 53% | 275 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 70% | 177 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 11.24% | 13.84% | 18.77% | Beats 33% | 424 / 629 | |
| Total Risk-Based Capital Ratio | 11.94% | 11.58% | 14.43% | 19.66% | Beats 28% | 453 / 629 | |
| Equity / Assets | 10.92% | 9.09% | 10.65% | 13.80% | Beats 53% | 296 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 103.22% | 67.24% | 80.90% | 93.48% | 90th pctl | 60 / 594 | |
| Loans / Assets | 85.51% | 53.31% | 67.71% | 78.15% | 93rd pctl | 43 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |