Milford Building and Loan Association: how it compares with its peers
Against 28 IL banks with half to twice its assets, Milford Building and Loan Association's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $5.4M peer median). Its weakest relative measure is net interest margin (2.66% vs. 3.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.31% | 0.94% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.66% | 3.89% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.56% | 77.99% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $5.4M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.36% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 80.56% is above the 77.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens Bank of Edinburg Edinburg, IL · $29M
- Campus State Bank Campus, IL · $26M
- First State Bank of St. Peter Saint Peter, IL · $30M
- Dewey Bank Dewey, IL · $30M
- Vermont State Bank Vermont, IL · $31M
- The First National Bank of Assumption Assumption, IL · $25M
Questions about Milford Building and Loan Association
How big is Milford Building and Loan Association?
Milford Building and Loan Association, established in 1883, is headquartered in Milford, IL. It reported $28M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Milford Building and Loan Association's return on assets?
0.31% annualized in Q2 2026, against a 0.94% median for 28 IL banks with half to twice its assets, ahead of 36% of them.
What is Milford Building and Loan Association's efficiency ratio?
80.56% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 77.99%, and lower is better.
Is Milford Building and Loan Association growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits shrank 0.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.