Side-by-side · Q2 2026 data
Milford Federal Bank vs Seamen's Bank
Metric by metric
| Measure | Milford Federal Bank | Seamen's Bank |
|---|---|---|
| TellerScore | 67 | 70 (stronger) |
| Capital cushion | 69 | 76 (stronger) |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 33 | 44 (stronger) |
| Funding & liquidity | 58 | 69 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 34th | 43rd |
| Total assets | $545.1M | $478.5M |
| Deposits / shares | $451.5M | $405.4M |
| Capital ratio | 11.94% | 12.57% (stronger) |
| Problem loans | 0.40% (stronger) | 0.76% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.33% | 0.60% (stronger) |
| Loans ÷ deposits | 102.7% | 89.6% (stronger) |
| Uninsured deposits | 7.9% (stronger) | 16.9% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | — |
Seamen's Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Milford Federal Bank leads on 2 and Seamen's Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.