| Metric | The Milford Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.9% | -2.1 pts |
| Deposit growth (YoY) | +1.3% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +4.6% | +5.3% | -0.7 pts |
| ROA | 0.65% | 1.28% | -0.6 pts |
| ROE | 7.5% | 12.4% | -5.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $652.0M | $511.4M | $515.6M | $57.8M | $2.1M | 0.65% | 3.62% | 0.39% |
| Q1 2026 | $652.7M | $513.6M | $502.3M | $56.6M | $1.1M | 0.65% | 3.52% | 0.19% |
| Q4 2025 | $644.3M | $503.6M | $502.1M | $55.8M | $3.6M | 0.56% | 3.38% | 0.26% |
| Q3 2025 | $647.3M | $495.8M | $502.8M | $54.4M | $2.8M | 0.60% | 3.31% | 0.21% |
| Q2 2025 | $634.1M | $505.0M | $492.8M | $52.4M | $1.8M | 0.59% | 3.28% | 0.17% |
| Q1 2025 | $628.8M | $503.9M | $482.8M | $50.9M | $1.0M | 0.66% | 3.24% | 0.21% |
| Q4 2024 | $624.8M | $519.9M | $484.3M | $48.4M | $2.1M | 0.34% | 3.11% | 0.26% |
| Q3 2024 | $613.6M | $505.0M | $461.4M | $49.8M | $1.4M | 0.32% | 3.08% | 0.19% |
Loan mix (Q2 2026): real estate $425.9M · commercial $79.4M · consumer $15.1M · securities $87.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Milford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 61.2% | 86th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Milford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Milford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Milford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Milford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Milford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 2 counties across 1 state (-1 vs 2024) · $505.0M branch deposits. Biggest market: South Central Connecticut, CT, ranked 12th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 5 | $457.9M | 2.17% | 12th |
| Greater Bridgeport, CT | 1 | $47.1M | 0.35% | 17th |
Connecticut: 36th with 0.33% · New Haven metro: 12th, 2.17% · Bridgeport-Stamford-Danbury metro: 29th, 0.10% ·
Branch count: 2022 8 · 2023 8 · 2024 7 · 2025 6