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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #994770 2024-Q4 Vital Signs Score: 75/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.72% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 41.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ 0
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.0%, cash 30.4% of assets.

Cash / Assets
30.38%
Loans / Deposits
77.97%
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
0.01%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.48%, CET1 24.48%, leverage 11.95%.

Tier 1 RBC
24.48%
CET1
24.48%
Leverage
11.95%
No watch items at this period.

Asset Quality

WatchQoQ +3
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.72%, Texas Ratio 19.3%, NCO YTD 0.00%.

Adjusted NPL
3.72%
Govt-guarantees stripped
Texas Ratio
19.3%
NCO YTD
0.00%
30-89 PD
6.21%
Band 0.3% / 3.0%
90+ PD
1.32%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.72% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.32%.

Reserves

RiskQoQ -2
33
Sub-score

Reserves are weak: ALLL 1.51% of loans, coverage 41.2%, true coverage 23.2%.

ALLL / Loans
1.51%
Coverage
41.2%
True Loss Coverage
23.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.2% (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