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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-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

2025-Q4

Bank #994770 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.33% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.79%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.7%, cash 31.4% of assets.

Cash / Assets
31.41%
Loans / Deposits
76.70%
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 24.59%, CET1 24.59%, leverage 12.02%.

Tier 1 RBC
24.59%
CET1
24.59%
Leverage
12.02%
No watch items at this period.

Asset Quality

RiskQoQ -2
30
Sub-score

Asset quality is weak: Adjusted NPL 5.33%, Texas Ratio 27.1%, NCO YTD 0.00%.

Adjusted NPL
5.33%
Govt-guarantees stripped
Texas Ratio
27.1%
NCO YTD
0.00%
30-89 PD
5.06%
Band 0.3% / 3.0%
90+ PD
2.79%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.33% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.79%.

Reserves

RiskQoQ +2
32
Sub-score

Reserves are weak: ALLL 1.47% of loans, coverage 28.0%, true coverage 28.0%.

ALLL / Loans
1.47%
Coverage
28.0%
True Loss Coverage
28.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.0% (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