Milford Building and Loan Association, SB
Milford, IL · Cert 30152 · Peer group: banks under $1B in assets in IL (n=149-151)
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 27 of 149).
- Widest gap: return on equity trails 94% of banks under $1B in assets in IL (rank 142 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.31%
Rank 138 of 151
Net Interest Margin
2.62%
Rank 138 of 151
Efficiency Ratio
80.56%
Rank 131 of 151
Equity / Assets
11.99%
Rank 42 of 151
Non-interest income vs. expense
Unfavorable gap of $578K · efficiency ratio beats 14% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.70% | 1.03% | 1.34% | Beats 9% | 138 / 151 | |
| Return on Equity | 2.55% | 6.74% | 9.34% | 12.94% | Beats 6% | 142 / 151 | |
| Net Interest Margin | 2.62% | 3.02% | 3.43% | 3.83% | Beats 9% | 138 / 151 | |
| Efficiency Ratio | 80.56% | 54.64% | 64.89% | 72.50% | Beats 14% | 131 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.55% | 0.20% | 0.66% | 1.77% | Beats 15% | 127 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.29% | 11.83% | 14.17% | 18.66% | Beats 34% | 100 / 151 | |
| Total Risk-Based Capital Ratio | 12.29% | 12.22% | 14.54% | 19.92% | Beats 26% | 111 / 151 | |
| Equity / Assets | 11.99% | 9.10% | 10.65% | 12.40% | Beats 72% | 42 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 76.52% | 54.39% | 71.02% | 80.75% | 65th pctl | 52 / 149 | |
| Loans / Assets | 66.75% | 45.91% | 61.31% | 68.01% | 70th pctl | 46 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |