Institution Class	Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS
Primary Regulator	OCC
Established Date	01/01/1937
Community Bank	Yes
Ownership Type	Mutual
ZIP	01757
State and County Number	25027
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	01
Numeric code	38
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Worcester, MA-CT

Operational Info

Number of Employees	64
Domestic Offices	4
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	11/17/2024
Date of Deposit Insurance	08/09/1989
Primary Insurance Agency	DIF
Website	www.milfordfederal.com
Data Updated	10/31/2025
CERT	29835
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$537.79M
Total Deposits	$421.57M
Total Liabilities	$479.66M
Total Equity Capital	$0
Net Income	$568.00k
Net Loans and Leases	$470.07M
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

Income and Expense

Total Interest Income	$5.81M
Total Noninterest Income	$661.00k
Total Interest Expense	$2.47M
Total Noninterest Expense	$3.17M
Net Interest Income	$3.34M
Pre-tax Net Operating Income	$0
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Additional Financial Info

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

About Milford Federal Bank

Explore the latest call report data for Milford Federal Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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Frequently Asked Questions

What are the total assets of Milford Federal Bank?

$537.79M as of the latest filing.

How much are Milford Federal Bank's total deposits?

$421.57M in total deposits.

Where is Milford Federal Bank located?

Milford, MA.

What is the Net Interest Margin?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

When was it established?

01/01/1937.

Who is the primary regulator?

OCC.