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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