Civic Intelligence

Milford Bank Foundation Inc

EIN 02-0600478 • Milford, CT

33 Broad StreetMilford, CT 06460
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

43rd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

44th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2024

Net Margin

95th percentile

79%

Higher net margin than 95% of similar nonprofits.

$500k-$1M nonprofits • Source year 2024

Top Officer Pay

58th percentile

$0

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

$500k-$1M nonprofits • Source year 2024

Asset Growth

84th percentile

26%

Faster asset growth than 84% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

93rd percentile

189%

Faster revenue growth than 93% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$602,011

Up $125,664 (+26%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$602,011

Up $125,664 (+26%) from 2023

Operations
Liabilities / Revenue44th percentileNet Margin95th percentile

Revenue

Up

$148,405

Up $97,064 (+189%) from 2023

Expenses

Down

$30,784

Down $17,152 (-36%) from 2023

Net Income

Up

$117,621

Up $114,216 (+3354%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2010: $252,282Liabilities 2010: $0Net Assets 2010: $252,2822010Assets 2011: $240,730Liabilities 2011: $0Net Assets 2011: $240,7302011Assets 2012: $254,085Liabilities 2012: $0Net Assets 2012: $254,0852012Assets 2013: $266,656Liabilities 2013: $0Net Assets 2013: $266,6562013Assets 2014: $278,704Liabilities 2014: $0Net Assets 2014: $278,7042014Assets 2015: $290,115Liabilities 2015: $0Net Assets 2015: $290,1152015Assets 2016: $300,544Liabilities 2016: $0Net Assets 2016: $300,5442016Assets 2017: $310,896Liabilities 2017: $0Net Assets 2017: $310,8962017Assets 2018: $320,763Liabilities 2018: $0Net Assets 2018: $320,7632018Assets 2019: $330,145Liabilities 2019: $0Net Assets 2019: $330,1452019Assets 2020: $339,000Liabilities 2020: $0Net Assets 2020: $339,0002020Assets 2021: $472,206Liabilities 2021: $0Net Assets 2021: $472,2062021Assets 2022: $444,798Liabilities 2022: $0Net Assets 2022: $444,7982022Assets 2023: $476,347Liabilities 2023: $0Net Assets 2023: $476,3472023Assets 2024: $602,011Liabilities 2024: $0Net Assets 2024: $602,0112024

Highlighted filing

2024

Assets$602,011
Liabilities$0
Net Assets$602,011
Open 2024 Filing

Operations Trend

Revenue Growth93rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KExpenses 2010: $14,2832010Expenses 2011: $13,7742011Expenses 2012: $13,2742012Revenue 2013: $26,384Expenses 2013: $13,813Net Income 2013: $12,5712013Revenue 2014: $26,406Expenses 2014: $14,358Net Income 2014: $12,0482014Revenue 2015: $26,419Expenses 2015: $15,008Net Income 2015: $11,4112015Revenue 2016: $26,437Expenses 2016: $16,008Net Income 2016: $10,4292016Revenue 2017: $26,456Expenses 2017: $16,104Net Income 2017: $10,3522017Revenue 2018: $26,626Expenses 2018: $16,759Net Income 2018: $9,8672018Revenue 2019: $26,687Expenses 2019: $17,305Net Income 2019: $9,3822019Revenue 2020: $25,385Expenses 2020: $16,530Net Income 2020: $8,8552020Revenue 2021: $150,211Expenses 2021: $17,005Net Income 2021: $133,2062021Revenue 2022: $101,261Expenses 2022: $107,987Net Income 2022: -$6,7262022Revenue 2023: $51,341Expenses 2023: $47,936Net Income 2023: $3,4052023Revenue 2024: $148,405Expenses 2024: $30,784Net Income 2024: $117,6212024

Highlighted filing

2024

Revenue$148,405
Expenses$30,784
Net Income$117,621
Open 2024 Filing

Filings

Most recent year

2024 • Form 990PFDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$602,011
Liabilities
$0
Net assets
$602,011
Revenue
$148,405
Expenses
$30,784
Net income
$117,621
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.02$0.00$6.02$1.48$0.31$1.18
2023Detailed filing. Detailed filing data is available for this year.$4.76$0.00$4.76$0.51$0.48$0.03
2022Detailed filing. Detailed filing data is available for this year.$4.45$0.00$4.45$1.01$1.08$0.07
2021Detailed filing. Detailed filing data is available for this year.$4.72$0.00$4.72$1.50$0.17$1.33
2020Detailed filing. Detailed filing data is available for this year.$3.39$0.00$3.39$0.25$0.17$0.09
2019Detailed filing. Detailed filing data is available for this year.$3.30$0.00$3.30$0.27$0.17$0.09
2018Detailed filing. Detailed filing data is available for this year.$3.21$0.00$3.21$0.27$0.17$0.10
2017Detailed filing. Detailed filing data is available for this year.$3.11$0.00$3.11$0.26$0.16$0.10
2016Detailed filing. Detailed filing data is available for this year.$3.01$0.00$3.01$0.26$0.16$0.10
2015Detailed filing. Detailed filing data is available for this year.$2.90$0.00$2.90$0.26$0.15$0.11
2014Detailed filing. Detailed filing data is available for this year.$2.79$0.00$2.79$0.26$0.14$0.12
2013Detailed filing. Detailed filing data is available for this year.$2.67$0.00$2.67$0.26$0.14$0.13
2012Detailed filing. Detailed filing data is available for this year.$2.54$0.00$2.54$0.13
2011Detailed filing. Detailed filing data is available for this year.$2.41$0.00$2.41$0.14
2010Detailed filing. Detailed filing data is available for this year.$2.52$0.00$2.52$0.14
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 8, 2025
Return Version
2024v5.1
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JORGE A SANTIAGOPresident & Chair-$0--
DAVID B RUBINBoard Vice Chair-$0--
MICHAEL A CAPODANNOTreasurer-$0--
KARUNA KASBAWALASecretary-$0--
JOHN A HARKINSBoard Member-$0--
JOY TOPAZIAN MOOREBoard Member-$0--
KEVIN C MCGRATHBoard Member-$0--
PETER A OLSENBoard Member-$0--
DAVID ESPOSITOBoard Member-$0--
BEVERLY K STREITBoard Member-$0--
MICHAEL J PAOLINIBoard Member-$0--
GARY L OPINBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
The Milford Bank Foundation Inc
EIN
02-0600478
Phone
2037835703
Address
33 BROAD STREET, MILFORD, CT 06460

Signing Officer

Name
Michael Capodanno
Title
Treasurer
Phone
2037835703
Signed
2025-05-08
Discuss with paid preparer
Yes

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Lawrence Carboni
Phone
8605223111
Raw XML AppendixShowing 400 of 605 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm0JORGE A SANTIAGO
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm1DAVID B RUBIN
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm2MICHAEL A CAPODANNO
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm3KARUNA KASBAWALA
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm4JOHN A HARKINS
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm5JOY TOPAZIAN MOORE
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm7PETER A OLSEN
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm8DAVID ESPOSITO
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm10MICHAEL J PAOLINI
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm11GARY L OPIN
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt0COMPOSTING PROGRAM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt1LIVING MUSEUM SUPPORT
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt2TEEN FINANCIAL LITERACY PROGRAM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt3THERAPY SUPPLIES
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt4DOMESTIC VIOLENCE SUPPORT
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt5CLASSROOM SUPPLIES
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt6PROGRAMMING SUPPORT
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt7MEALS FOR THOSE IN NEED
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt8FOOD PROGRAM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt9SUPPLIES & TRANSPORTATION
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt10EDUCATIONAL MATERIALS
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt11EDUCATIONAL MATERIALS
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt15FOOD INSECURITY PROGRAM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt16CLASSROOM MINI GRANTS
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt17AFTER SCHOOL PROGRAM SUPPLIES
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt18SIGNAGE AT PROPERTY
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt19PURCHASE GLOWFORGE LASER CUTTER
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt20SCHOOL VISIT PROGRAMS
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt21STAFF SAEFTY DEVICES
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt22TAX ASSISTANCE PROGRAM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt23EMERGENCY HELP FUND
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt24PROGRAMMING SUPPORT
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/GrantOrContributionPurposeTxt25RETURNED CHECK
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt0BASE 7 COMMUNITIES
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt1BRAKETTES INC
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt2BOYS & GIRLS CLUB OF MILFORD
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt3BRIDGES HEALTHCARE INC
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt4EMERGE INC
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt5FREELOVE BALDWIN STOW CHAPTER DAR
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt6FRIENDS OF THE MILFORD LIBRARY
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt7GIVING TABLE THE FORAN HS
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt8GOOD CHILD DEVELOPMENT CENTER
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt9JONATHAN LAW HS SCIENCE OLYMPIAD TEAM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt10LITERACY VOLUNTEERS OF SOUTHERN CT
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt11MILFORD HISTORICAL SOCIETY
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt12MILFORD PREVENTION COUNCIL
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt13PANTOCHINO PRODUCTIONS
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt14PURPLE PANTRY BOXES
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt15STERLING HOUSE COMMUNITY CENTER
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt16STRATFORD EDUCATION FOUNDATION
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt18STRATFORD HISTORICAL SOCIETY
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt19STRATFORD LIBRARY ASSOC
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt20STRATFORD VETERANS MUSEUM
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt21STRATFORD VNA
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt22TEAM INC
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt23UNITED WAY OF MILFORD
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt24WEST HAVEN PREVENTION COUNCIL
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientBusinessName/BusinessNameLine1Txt25PLATT TECH HS
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt097 NORTH ST
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt1185 LORDSHIP RD
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt3941-949 BRIDGEPORT AVE
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IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt555 PROSPECT ST
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt657 NEW HAVEN AVE
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt780 FORAN RD
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt8170 OLD POINT RD
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt920 LANSDALE AVE
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt1016 DIXON ST
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt1134 HIGH ST
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt1270 WEST RIVER ST
IRS990PF/SupplementaryInformationGrp/GrantOrContributionPdDurYrGrp/RecipientUSAddress/AddressLine1Txt13PO BOX 494

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