BlastPoint's Banking Scorecard
Milford Federal Bank
Community
Specialty: Mortgage
MA
FDIC cert 29835
Designations: ✓ Mutual
Milford, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Milford Federal Bank faces 7 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 21% in Community
- - Capital Thin: Bottom 35% in Community
- - Efficiency Drag: Bottom 48% in Community
- - Return on Assets 0.84% below tier
- - Net Interest Margin 1.12% below tier
- - Loan-to-Deposit Ratio 24.16% above tier
- - Non-Interest-Bearing Deposit Share 12.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$541.2M
+3.2% YoY
+0.6% QoQ
|
-$850.2M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$464.0M
+4.0% YoY
-1.3% QoQ
|
-$511.5M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$432.8M
+9.6% YoY
+2.7% QoQ
|
-$731.8M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.33%
+71.1% YoY
+18.5% QoQ
|
-0.84% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.54%
+6.0% YoY
+1.2% QoQ
|
-1.12% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
84.68%
-7.9% YoY
-1.3% QoQ
|
+22.05% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.40%
+89.1% YoY
+0.6% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
107.22%
-5.1% YoY
-3.8% QoQ
|
+24.16% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.53%
-2.4% YoY
-1.9% QoQ
|
-12.52% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.34%
+90.4% YoY
-1.3% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
+19.7% YoY
+32.7% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Credit Risk Growth
risk
#133 of 642 · Bottom 21% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#151 of 432 · Bottom 35% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#73 of 152 · Bottom 48% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.68%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.33%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.54%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
107.22%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.53%
(Tier avg: 21.05%, National avg: 21.79%)
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%
Top Strengths
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Total Loans
Current: $464.0M · Tier avg: $975.5M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.53% · Tier avg: 21.05%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.68% · Tier avg: 62.63%
6
6th pctile
Total Assets
Current: $541.2M · Tier avg: $1.4B
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.22% · Tier avg: 83.06%
3
3th pctile
Total Deposits
Current: $432.8M · Tier avg: $1.2B
Top Weaknesses
3
3th pctile
Total Deposits
Current: $432.8M · Tier avg: $1.2B
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.22% · Tier avg: 83.06%
6
6th pctile
Total Assets
Current: $541.2M · Tier avg: $1.4B
6
6th pctile
Efficiency Ratio
Current: 84.68% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.53% · Tier avg: 21.05%
25
25th pctile
Total Loans
Current: $464.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%