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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 $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $24.5M0%Noninterest $0.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.31%0.13%0.19%0.22%0.32%0.23%0.31%+12 bps
Return on Equity3.51%2.69%1.11%1.60%1.88%2.66%1.92%2.57%+97 bps
Net Interest Margin2.24%2.35%2.22%2.26%2.32%2.39%2.48%2.62%+36 bps
Efficiency Ratio82.64%79.23%88.16%82.58%82.07%78.48%83.43%80.56%-203 bps
Non-Interest Burden1.84%1.86%1.96%1.84%1.89%1.86%2.07%2.11%+27 bps
Growth
Asset Growth (YoY)-3.62%-6.12%-6.07%-3.44%0.73%1.80%2.51%-0.32%+312 bps
Loan Growth (YoY)-4.26%-2.67%-1.21%-2.45%-1.98%0.10%-0.59%2.55%+500 bps
Deposit Growth (YoY)-1.62%-7.42%-7.29%-4.14%0.60%1.80%2.60%-0.71%+344 bps
Asset Quality
Nonperforming Loans / Loans3.60%3.66%2.84%4.09%4.58%5.25%3.89%2.55%-154 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.50%0.33%0.25%0.00%0.00%-50 bps
Allowance / Loans1.43%1.51%1.55%1.39%1.40%1.47%1.52%1.50%+11 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.3x0.3x0.3x0.4x0.6x+0.2x
Capital
Tier 1 Leverage Ratio11.48%11.95%11.96%11.62%11.82%12.02%12.26%12.29%+67 bps
Total Risk-Based Capital25.08%25.71%11.96%11.62%25.65%25.85%26.25%12.29%+67 bps
Equity / Assets11.76%12.04%12.17%11.59%11.85%12.14%12.21%11.99%+40 bps
Liquidity & Funding
Loans / Deposits78.81%79.17%79.23%74.09%76.79%77.85%76.77%76.52%+243 bps
Liquid Assets / Assets30.01%29.89%29.98%34.00%31.84%30.91%31.68%32.09%-190 bps
CRE / Total Capitaln/an/an/an/a24.57%25.68%28.70%n/an/a