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Milford Building And Loan Association

IDRSSD: 994770
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ +5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #994770 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.56% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.63%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 41.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.3%, cash 33.7% of assets.

Cash / Assets
33.70%
Loans / Deposits
73.28%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.02%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.40%, CET1 23.40%, leverage 11.17%.

Tier 1 RBC
23.40%
CET1
23.40%
Leverage
11.17%
No watch items at this period.

Asset Quality

WatchQoQ +18
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.56%, Texas Ratio 19.0%, NCO YTD 0.00%.

Adjusted NPL
3.56%
Govt-guarantees stripped
Texas Ratio
19.0%
NCO YTD
0.00%
30-89 PD
2.57%
Band 0.3% / 3.0%
90+ PD
1.63%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.56% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.63%.

Reserves

RiskQoQ +7
37
Sub-score

Reserves are weak: ALLL 1.45% of loans, coverage 41.3%, true coverage 41.3%.

ALLL / Loans
1.45%
Coverage
41.3%
True Loss Coverage
41.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.3% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:12:41 UTC