FDIC Cert #29835 · Milford, Massachusetts · Est. 1937

Milford Federal Bank - FDIC Bank Health Profile

A community-scale look at Milford Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$541M
Total assets
C
Health grade · Fair
0.33%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

Milford Federal Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.05% Tier 1, 0.33% ROA, 85% efficiency ratio.

#1,699
largest of 4,313 FDIC banks by assets
61st
percentile by asset size, nationally
11.05%
Tier 1 ratio - above the 10% well-capitalized line
11th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 29835 · MA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4022/4307
  • PHOTO-FINISH Eaton Community Bank · MI
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-THIN 0.33% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Eaton Community Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Milford Federal Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Eaton Community Bank · MI · …55/100First Federal Saving… · KY ·…55/100First Seacoast Bank · NH · n…55/100Milford Federal Bank · MA · …55/100Vidalia Federal Savi… · GA ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Milford Federal Bank · July 2026

Plate reading for Milford Federal Bank where failures stay rare

Milford Federal Bank (FDIC Cert #29835) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,022 of 4,307. Tier 1 capital prints at 11.05%, clearing the 10% well-capitalized line. The Texas Ratio is 3.03%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.33%. Balance-sheet scale is $541M, 1,699th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eaton Community Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Milford Federal Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Milford Federal Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Milford Federal Bank's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Milford Federal Bank's composite health score
Tier 1 Capital Ratio (11.05%) 28/40
Return on Assets (ROA) (0.33%) 7/25
Texas Ratio (3.03%) 20/20
Efficiency Ratio (84.68%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$541M

Total balance-sheet footings

Total Deposits

$433M

Customer-funded liabilities

Net Loans

$464M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.65% 11.05% 12.45%
Basel III capital ratios - Milford Federal Bank

Where Milford Federal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Milford Federal Bank's score of 55/100 falls in the highlighted band.

Milford Federal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Milford Federal Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Milford Federal Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Milford Federal Bank's $541M falls in the highlighted band.

Safety metrics: Milford Federal Bank

Tier 1 capital ratio
Well-capitalized 10%

11.05% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.05%
Texas Ratio
3.03%
Equity Capital
$59M

What these ratios mean →

Profitability metrics: Milford Federal Bank

Return on Assets (ROA)
11th percentile nationally
0.33%
Return on Equity (ROE)
3.00%
Efficiency Ratio
84.68%

What these mean →

Income & expense at Milford Federal Bank

$23M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Milford Federal Bank reports a Texas Ratio of 3.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Milford Federal Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($541M here), outside Massachusetts so the neighborhood is not state containment.

Rayne State Bank & Trust Company $541M · LA First State Bank and Trust Company $542M · TX Pan American Bank & Trust $542M · IL First Nations Bank $540M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Milford Federal Bank (FDIC Cert #29835) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Milford Federal Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%