Total Assets
$644M
Total balance-sheet footings
FDIC Cert #16101 · Milford, Connecticut · Est. 1872
The Milford Bank - FDIC Bank Health Profile
A community-scale look at The Milford Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $644M
- Total assets
- B
- Health grade · Good
- 0.56%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Milford Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.19% Tier 1, 0.56% ROA, 79% efficiency ratio.
- #1,479
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 14.19%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Milford Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Milford Bank's composite health score
Tier 1 Capital Ratio (14.19%) 35/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (2.78%) 20/20
Efficiency Ratio (79.41%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$504M
Customer-funded liabilities
Net Loans
$502M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Milford Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Milford Bank's score of 73/100 falls in the highlighted band.
The Milford 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). The Milford Bank's $644M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.19%
Texas Ratio
2.78%
Equity Capital
$56M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
6.83%
Efficiency Ratio
79.41%
What the numbers say about The Milford Bank
The Milford Bank is an FDIC-insured institution (Certificate #16101) headquartered in Milford, Connecticut, established in 1872. It holds $644M in total assets - 1,479th of 4,313 FDIC-insured banks, $504M in customer deposits, and $502M in net loans. Looking at capital strength, Tier 1 stands at 14.19%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.78%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Connecticut, The Milford Bank ranks 21st of 28 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$28M
Interest Income
$3M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Milford Bank reports a Texas Ratio of 2.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Milford Bank (FDIC Cert #16101) - 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.
Other banks in Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Webster Bank, National AssociationStamford | $84.0B | A | 1.26% |
| Liberty BankMiddletown | $9.0B | B | 0.99% |
| Bankwell BankNew Canaan | $3.4B | A | 1.27% |
| Union Savings BankDanbury | $3.3B | B | 0.61% |
| Ion BankNaugatuck | $2.7B | B | 0.79% |
| First County BankStamford | $2.3B | C | 0.22% |
| Fairfield County BankRidgefield | $1.9B | C | 0.46% |
| Thomaston Savings BankThomaston | $1.9B | B | 0.78% |
Frequently asked questions
What is The Milford Bank's health grade?▼
The Milford Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Milford Bank?▼
The Milford Bank holds $644M in total assets and $504M in deposits, ranking 1,479th of 4,313 FDIC-insured banks by asset size. It is headquartered in Milford, Connecticut.
Is my money safe at The Milford Bank?▼
Yes, deposits at The Milford Bank (Certificate #16101) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Milford Bank's Tier 1 Capital Ratio?▼
The Milford Bank has a Tier 1 Capital Ratio of 14.19%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Milford Bank?▼
The Milford Bank has a Texas Ratio of 2.78%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Milford Bank?▼
The Milford Bank has an Efficiency Ratio of 79.41%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Milford Bank's profile as a depositor or analyst.
- The Milford Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Milford Bank against other Connecticut banks before moving funds. Connecticut banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.