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Milford Building And Loan Association
Milford, IL · FDIC Certificate #30152 · Chartered 01/0
Total assets
$28.09M
Total deposits
$24.50M
Total equity
$3.37M
Net loans
$18.47M
Branches (offices)
1
Net income (YTD)
$43.00K
Rank: #4,157 of 4,213 U.S. banks by assets · #313 of 322 in Illinois. Assets changed -0.3% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.31% |
| Return on equity | 2.57% |
| Net interest margin (YTD) | 2.66% |
| Equity to assets | 11.99% |
| Tier 1 leverage ratio | 12.29% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 2.55% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 101.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $18.72M | 101.4% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $516.00K | 2.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $31.61M | $28.38M | $101.00K | $3.08M |
| Jun 2023 | $28.58M | $24.43M | $34.00K | $3.19M |
| Jun 2024 | $29.18M | $25.75M | $54.00K | $3.21M |
| Jun 2025 | $28.18M | $24.68M | $26.00K | $3.27M |
| Jun 2026 | $28.09M | $24.50M | $43.00K | $3.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $24.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $24.50M.
Similar-sized banks
The Liberty Savings Association, Fsa ($28.17M) · American Trust And Savings Bank ($27.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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