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Milford Building and Loan Association, SB

Milford, IL · Cert 30152

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=147 to 149). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Milford Building and Loan Association, SB

Milford, IL · Cert 30152

SI · FDIC · 1 branch

Q2 2026

$28.1MAssets
$18.7MLoans
$24.5MDeposits
$3.4MEquity
Loan mix
100%RE $18.3M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $24.5M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.60%Q2 ’254.94%Q2 ’26+6%+16%

Non-interest income vs. expense

1.83%Q2 ’241.96%Q2 ’252.12%Q2 ’26+4%+14%

Executive Summary

  • Earnings: ROA of 0.31%, up 12 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 2.55% of loans (-154 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.29%, up 67 bps from a year ago.
  • Funding: loans stand at 76.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+36 bps YoY

Efficiency Ratio (YTD, annualized)

80.56%-203 bps YoY

Tier 1 Leverage Ratio

12.29%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.22%0.32%0.23%0.31%+12 bps
Return on Equity1.60%1.88%2.66%1.92%2.57%+97 bps
Net Interest Margin2.26%2.32%2.39%2.48%2.62%+36 bps
Efficiency Ratio82.58%82.07%78.48%83.43%80.56%-203 bps
Non-Interest Burden1.84%1.89%1.86%2.07%2.11%+27 bps
Growth
Asset Growth (YoY)-3.44%0.73%1.80%2.51%-0.32%+312 bps
Loan Growth (YoY)-2.45%-1.98%0.10%-0.59%2.55%+500 bps
Deposit Growth (YoY)-4.14%0.60%1.80%2.60%-0.71%+344 bps
Asset Quality
Nonperforming Loans / Loans4.09%4.58%5.25%3.89%2.55%-154 bps
Net Charge-Offs / Loans0.50%0.33%0.25%0.00%0.00%-50 bps
Allowance / Loans1.39%1.40%1.47%1.52%1.50%+11 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.4x0.6x+0.2x
Capital
Tier 1 Leverage Ratio11.62%11.82%12.02%12.26%12.29%+67 bps
Total Risk-Based Capital11.62%25.65%25.85%26.25%12.29%+67 bps
Equity / Assets11.59%11.85%12.14%12.21%11.99%+40 bps
Liquidity & Funding
Loans / Deposits74.09%76.79%77.85%76.77%76.52%+243 bps
Liquid Assets / Assets34.00%31.84%30.91%31.68%32.09%-190 bps
CRE / Total Capitaln/a24.57%25.68%28.70%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Milford Building and Loan Association, SB

Milford, IL · Cert 30152 · Peer group: banks under $1B in assets in IL (n=147-149)

SI · FDIC · 1 branch

Q2 2026

$28.1MAssets
$18.7MLoans
$24.5MDeposits
$3.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 28 of 147).
  • Widest gap: return on equity trails 95% of banks under $1B in assets in IL (rank 141 of 149).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.31%

Rank 137 of 149

Net Interest Margin

2.62%

Rank 138 of 149

Efficiency Ratio

80.56%

Rank 130 of 149

Equity / Assets

11.99%

Rank 42 of 149

Non-interest income vs. expense

$2K$580KINCOMEEXPENSE
Unfavorable gap of $578K · efficiency ratio beats 13% of banks under $1B in assets in IL
Bank 80.56%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.74%1.04%1.34%Beats 8%137 / 149
Return on Equity2.55%6.82%9.34%12.94%Beats 5%141 / 149
Net Interest Margin2.62%3.04%3.43%3.83%Beats 7%138 / 149
Efficiency Ratio80.56%54.64%64.55%71.82%Beats 13%130 / 149
Asset Quality
Nonperforming Loans / Loans2.55%0.19%0.65%1.77%Beats 15%126 / 147
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%28 / 147
Capital
Tier 1 Capital Ratio12.29%11.87%14.21%18.66%Beats 32%101 / 149
Total Risk-Based Capital Ratio12.29%12.22%14.72%19.92%Beats 27%109 / 149
Equity / Assets11.99%9.24%10.65%12.40%Beats 72%42 / 149
Liquidity & Funding
Loans / Deposits76.52%53.80%70.99%80.75%66th pctl50 / 147
Loans / Assets66.75%46.03%61.30%67.68%70th pctl45 / 149
Brokered Deposits / Depositsn/aNot reported for this institution