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
Unfavorable gap of $2.5M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.72% | 1.06% | 1.45% | Beats 8% | 684 / 746 | |
| Return on Equity | 1.68% | 6.74% | 10.51% | 13.63% | Beats 7% | 692 / 746 | |
| Net Interest Margin | 3.03% | 3.17% | 3.68% | 4.16% | Beats 19% | 606 / 746 | |
| Efficiency Ratio | 89.91% | 55.74% | 64.58% | 75.47% | Beats 8% | 686 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.42% | 1.07% | Beats 77% | 172 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 283 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 31.35% | 11.55% | 13.75% | 17.60% | Beats 95% | 35 / 746 | |
| Total Risk-Based Capital Ratio | 32.60% | 11.71% | 14.33% | 18.43% | Beats 96% | 32 / 746 | |
| Equity / Assets | 14.48% | 8.90% | 10.51% | 13.06% | Beats 84% | 117 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 88.33% | 61.31% | 78.27% | 90.78% | 70th pctl | 222 / 746 | |
| Loans / Assets | 69.20% | 53.60% | 66.97% | 76.08% | 56th pctl | 330 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |