🏦Bank Scorer

THE MILFORD BANK

MILFORD, CT · Supervised by FDIC

Est. 1872FDIC #16,101RSSD: FDIC-16101
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

33 Broad St, MILFORD, CT

County

South Central Connecticut County

Established

January 1, 1872

Total Assets

$653M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$653M

Total Deposits

$514M

Net Loans

$502M

Net Income

$1M

ROA

0.65%

ROE

7.47%

Risk-Based Capital

15.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.00%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$505M

1-Year Change

-1

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417070.59%20.00%
202319478.87%15.98%
202225273.41%18.65%
202123870.59%19.33%
202033372.97%15.32%
201925473.62%16.14%
201823770.46%17.30%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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