Side-by-side · Q2 2026 data
Vermont State Bank vs Milford Building and Loan Association
Bank
Milford Building and Loan Association
Milford, Illinois · Under $100 million in assets
Metric by metric
| Measure | Vermont State Bank | Milford Building and Loan Association |
|---|---|---|
| TellerScore | 73 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 0 | 15 (stronger) |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 96 (stronger) | 83 |
| Problem-loan coverage | 83 (stronger) | 69 |
| Peer percentile | 48th | 10th |
| Total assets | $31.0M | $28.1M |
| Deposits / shares | $21.0M | $24.5M |
| Capital ratio | 28.17% (stronger) | 12.29% |
| Problem loans | 5.08% | 2.55% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 6.34% (stronger) | 0.31% |
| Loans ÷ deposits | 64.2% (stronger) | 75.4% |
| Uninsured deposits | 5.3% (stronger) | 16.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vermont State Bank has the higher TellerScore (73 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Vermont State Bank leads on 5 and Milford Building and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.