Milford Building and Loan Association (FDIC certificate #30152) is based in Milford, Illinois. Its Q2 2026 call report shows $28.1M in total assets and $24.5M in deposits and 1 office.
Milford Building and Loan Association has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 293rd. Funding & liquidity contributes the most (83/100, 75% loans-to-deposits, 17% uninsured); loan quality contributes the least (15/100, 2.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (44 → 51), mostly because the loan quality component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 45 |
| Q4 2024 | 46 |
| Q1 2025 | 47 |
| Q2 2025 | 44 |
| Q3 2025 | 44 |
| Q4 2025 | 45 |
| Q1 2026 | 46 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.01% |
| Q3 2024 | 11.48% |
| Q4 2024 | 11.95% |
| Q1 2025 | 11.96% |
| Q2 2025 | 11.62% |
| Q3 2025 | 11.82% |
| Q4 2025 | 12.02% |
| Q1 2026 | 12.26% |
| Q2 2026 | 12.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.85% |
| Q3 2024 | 3.60% |
| Q4 2024 | 3.66% |
| Q1 2025 | 2.84% |
| Q2 2025 | 4.09% |
| Q3 2025 | 4.58% |
| Q4 2025 | 5.25% |
| Q1 2026 | 3.89% |
| Q2 2026 | 2.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $28.1M | 12.29% | 2.55% | 0.31% | 75.4% |
| Q1 2026 | 46 | $27.4M | 12.26% | 3.89% | 0.23% | 75.6% |
| Q4 2025 | 45 | $27.4M | 12.02% | 5.25% | 0.32% | 76.7% |
| Q3 2025 | 44 | $27.7M | 11.82% | 4.58% | 0.22% | 75.7% |
| Q2 2025 | 44 | $28.2M | 11.62% | 4.09% | 0.19% | 73.1% |
| Q1 2025 | 47 | $26.7M | 11.96% | 2.84% | 0.13% | 78.0% |
| Q4 2024 | 46 | $26.9M | 11.95% | 3.66% | 0.31% | 78.0% |
| Q3 2024 | 45 | $27.5M | 11.48% | 3.60% | 0.39% | 77.7% |
| Q2 2024 | 46 | $29.2M | 11.01% | 2.85% | 0.38% | 71.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank of EdinburgBank Edinburg, IL | 79 out of 100, Strong | $29.0M | 11.9% | 0.00% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| Dewey BankBank Dewey, IL | 79 out of 100, Strong | $30.3M | 10.6% | 0.06% | vs |
| Vermont State BankBank Vermont, IL | 73 out of 100, Strong | $31.0M | 28.2% | 5.08% | vs |
| The First National Bank of AssumptionBank Assumption, IL | 70 out of 100, Strong | $25.2M | 11.1% | 1.24% | vs |
Deposit insurance
Is my money safe at Milford Building and Loan Association?
Yes. Milford Building and Loan Association is an FDIC-insured institution (FDIC certificate #30152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($4.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Milford Building and Loan Association lists 1 office in 1 city. Most locations:
- Milford, IL (1)
Identity & history
Profile
- Legal name
- Milford Building and Loan Association
- Type
- SI
- FDIC certificate #
- 30152
- RSSD ID
- 994770
- Primary regulator
- FDIC
- Established
- January 1, 1883
- Headquarters
- 131 E Jones St, Milford, IL 60953
- Employees
- 4
Quick answers
Milford Building and Loan Association: common questions
Is Milford Building and Loan Association FDIC insured?
Yes. Milford Building and Loan Association is an FDIC-insured institution (FDIC certificate #30152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Milford Building and Loan Association's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Milford Building and Loan Association ever failed?
There is no failure record for FDIC certificate #30152 in the FDIC failed bank list.
How many branches does Milford Building and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Milford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |
| Fowler State BankBank Fowler, IN | 80 out of 100, Strong | $190.3M | 15.5% | 0.61% | vs |
| Servbank, National AssociationBank Oswego, IL | 76 out of 100, Strong | $1.7B | 11.8% | 0.59% | vs |
| Kentland BankBank Kentland, IN | 75 out of 100, Strong | $419.4M | 12.5% | 0.56% | vs |