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Milton Savings Bank

Milton, PA · Cert 28637

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

8

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Milton Savings Bank

Milton, PA · Cert 28637

State savings bank · OCC · 1 branch

Q2 2026

$90.6MAssets
$62.7MLoans
$71.0MDeposits
$13.1MEquity
Loan mix
92%RE $56.5M7%C&I $4.1M1%Consumer $0.6MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $67.8M4%Noninterest $3.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.25%, up 80 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.89%, down 166 bps from a year ago.
  • Funding: loans stand at 88.33% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.25%+80 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+41 bps YoY

Efficiency Ratio (YTD, annualized)

89.91%-1,880 bps YoY

Tier 1 Leverage Ratio

16.89%-166 bps YoY

NIM

3.71%Q2 ’244.09%Q2 ’254.61%Q2 ’26+15%+16%

Non-interest income vs. expense

2.98%Q2 ’242.88%Q2 ’252.74%Q2 ’26-3%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.73%-0.71%-0.74%-0.55%-0.40%-0.32%0.12%0.25%+80 bps
Return on Equity-4.27%-4.17%-4.70%-3.52%-2.58%-2.05%0.83%1.69%+521 bps
Net Interest Margin2.33%2.34%2.58%2.62%2.64%2.67%2.96%3.03%+41 bps
Efficiency Ratio124.68%125.68%115.16%108.71%105.74%103.49%96.25%89.91%-1,880 bps
Non-Interest Burden2.92%2.96%2.98%2.85%2.80%2.77%2.85%2.72%-13 bps
Growth
Asset Growth (YoY)7.28%3.71%6.78%6.21%10.07%13.33%12.00%11.92%+571 bps
Loan Growth (YoY)7.80%11.22%21.20%26.38%26.22%25.32%20.28%15.98%-1,040 bps
Deposit Growth (YoY)5.46%6.05%4.74%6.26%5.85%12.94%14.82%13.78%+752 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.00%0.00%0.00%0.18%0.35%0.06%+6 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.10%1.00%1.06%1.10%1.10%1.11%1.10%1.14%+5 bps
Allowance Coverage of NPLs97.2x93.8xn/an/an/a6.3x3.1x17.9xn/a
Capital
Tier 1 Leverage Ratio20.98%20.38%19.16%18.55%18.10%17.74%17.09%16.89%-166 bps
Total Risk-Based Capital40.73%43.93%39.81%37.95%35.99%34.50%33.21%32.60%-535 bps
Equity / Assets16.98%16.03%15.57%15.26%15.13%14.87%14.37%14.48%-77 bps
Liquidity & Funding
Loans / Deposits77.23%80.83%85.10%86.66%92.09%89.69%89.15%88.33%+168 bps
Liquid Assets / Assets4.97%3.19%3.55%1.23%4.93%3.63%3.10%1.95%+72 bps
CRE / Total Capitaln/an/an/an/a60.58%61.13%72.96%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Milton Savings Bank

Milton, PA · Cert 28637 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 1 branch

Q2 2026

$90.6MAssets
$62.7MLoans
$71.0MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 96% of banks under $1B in assets operating in a single state (rank 32 of 746).
  • Widest gap: return on equity trails 93% of banks under $1B in assets operating in a single state (rank 692 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.24%

Rank 684 of 746

Net Interest Margin

3.03%

Rank 606 of 746

Efficiency Ratio

89.91%

Rank 686 of 746

Equity / Assets

14.48%

Rank 117 of 746

Non-interest income vs. expense

$0.0M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state
Bank 89.91%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.24%0.72%1.06%1.45%Beats 8%684 / 746
Return on Equity1.68%6.74%10.51%13.63%Beats 7%692 / 746
Net Interest Margin3.03%3.17%3.68%4.16%Beats 19%606 / 746
Efficiency Ratio89.91%55.74%64.58%75.47%Beats 8%686 / 746
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.42%1.07%Beats 77%172 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 63%283 / 743
Capital
Tier 1 Capital Ratio31.35%11.55%13.75%17.60%Beats 95%35 / 746
Total Risk-Based Capital Ratio32.60%11.71%14.33%18.43%Beats 96%32 / 746
Equity / Assets14.48%8.90%10.51%13.06%Beats 84%117 / 746
Liquidity & Funding
Loans / Deposits88.33%61.31%78.27%90.78%70th pctl222 / 746
Loans / Assets69.20%53.60%66.97%76.08%56th pctl330 / 746
Brokered Deposits / Depositsn/aNot reported for this institution