Side-by-side · Q2 2026 data
Milford Federal Bank vs Bay State Savings Bank
Metric by metric
| Measure | Milford Federal Bank | Bay State Savings Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 57 |
| Capital cushion | 69 (stronger) | 38 |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 33 | 40 (stronger) |
| Funding & liquidity | 58 (stronger) | 48 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 34th | 14th |
| Total assets | $545.1M | $580.3M |
| Deposits / shares | $451.5M | $513.7M |
| Capital ratio | 11.94% (stronger) | 8.82% |
| Problem loans | 0.40% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.33% | 0.51% (stronger) |
| Loans ÷ deposits | 102.7% | 94.5% (stronger) |
| Uninsured deposits | 7.9% (stronger) | 30.5% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 21.2% |
Milford Federal Bank has the higher TellerScore (67 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Milford Federal Bank leads on 5 and Bay State Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.