BlastPoint's Banking Scorecard
The Milford Bank
Designations: ✓ Mutual
Milford, CT
The Milford Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6% in Community
- - Credit Quality Pressure: Bottom 17% in Community
- - Deposit Outflow: Bottom 23% in Community
- - Liquidity Strain: Bottom 41% in Community
- - Capital Constraint: Bottom 78% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$644.3M
+3.1% YoY
-0.5% QoQ
|
-$747.2M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$502.1M
+3.7% YoY
-0.1% QoQ
|
-$473.4M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$503.6M
-3.1% YoY
+1.6% QoQ
|
-$661.0M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.56%
+64.4% YoY
-5.9% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.38%
+8.5% YoY
+1.8% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
79.41%
-7.9% YoY
+2.5% QoQ
|
+16.78% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.34%
+0.7% YoY
+25.0% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
99.70%
+7.0% YoY
-1.7% QoQ
|
+16.64% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.26%
-3.6% YoY
-4.3% QoQ
|
+5.21% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.26%
+1.2% YoY
+25.4% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.19%
+2.4% YoY
+0.7% QoQ
|
+3.95% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.47%
-0.9% YoY
+28.1% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%