Visbanking Logo
Skip to main content

Milford Building And Loan Association

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #994770 2024-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.90% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.00%.

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.7%, cash 35.0% of assets.

Cash / Assets
35.00%
Loans / Deposits
71.75%
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 23.07%, CET1 23.07%, leverage 11.01%.

Tier 1 RBC
23.07%
CET1
23.07%
Leverage
11.01%
No watch items at this period.

Asset Quality

WatchQoQ +9
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.90%, Texas Ratio 15.4%, NCO YTD 0.00%.

Adjusted NPL
2.90%
Govt-guarantees stripped
Texas Ratio
15.4%
NCO YTD
0.00%
30-89 PD
4.30%
Band 0.3% / 3.0%
90+ PD
1.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.90% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.00%.

Reserves

WatchQoQ +4
41
Sub-score

Reserves are deteriorating: ALLL 1.44% of loans, coverage 50.5%, true coverage 50.5%.

ALLL / Loans
1.44%
Coverage
50.5%
True Loss Coverage
50.5%
No watch items at this period.

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