Side-by-side · Q2 2026 data
Citizens Bank of Edinburg vs Milford Building and Loan Association
Bank
Milford Building and Loan Association
Milford, Illinois · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Edinburg | Milford Building and Loan Association |
|---|---|---|
| TellerScore | 79 (stronger) | 51 |
| Capital cushion | 69 | 73 (stronger) |
| Loan quality | 100 (stronger) | 15 |
| Earnings | 58 (stronger) | 32 |
| Funding & liquidity | 81 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 69 |
| Peer percentile | 63rd | 10th |
| Total assets | $29.0M | $28.1M |
| Deposits / shares | $25.4M | $24.5M |
| Capital ratio | 11.93% | 12.29% (stronger) |
| Problem loans | 0.00% (stronger) | 2.55% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.95% (stronger) | 0.31% |
| Loans ÷ deposits | 32.7% (stronger) | 75.4% |
| Uninsured deposits | 32.5% | 16.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Edinburg has the higher TellerScore (79 vs 51). On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank of Edinburg leads on 4 and Milford Building and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.