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Millville Savings Bank

Millville, NJ · Cert 30183

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

14

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

Millville Savings Bank

Millville, NJ · Cert 30183

SI · FDIC · 2 branches

Q2 2026

$169.9MAssets
$79.6MLoans
$149.2MDeposits
$19.8MEquity
Loan mix
100%RE $71.0M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $123.9M17%Noninterest $25.3MQ2 2025Q2 2026

NIM

3.67%Q2 ’243.69%Q2 ’253.76%Q2 ’26+3%+2%

Non-interest income vs. expense

2.41%Q2 ’242.53%Q2 ’252.76%Q2 ’26+2%+10%

Market Position · Vineland, NJ · 2026 SOD (annual) · 2.8% share · #7 of 10 inst. · $0.1B of $5.3B

Executive Summary

  • Earnings: ROA of 0.33%, down 7 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.12% of loans (-3 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.63%, down 33 bps from a year ago.
  • Funding: loans stand at 53.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+6 bps YoY

Efficiency Ratio (YTD, annualized)

88.51%+592 bps YoY

Tier 1 Leverage Ratio

13.63%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.40%0.40%0.30%0.33%-7 bps
Return on Equity3.57%3.51%3.50%2.57%2.82%-75 bps
Net Interest Margin2.85%2.84%2.83%2.82%2.90%+6 bps
Efficiency Ratio82.59%82.31%84.49%91.53%88.51%+592 bps
Non-Interest Burden2.31%2.30%2.36%2.56%2.54%+23 bps
Growth
Asset Growth (YoY)2.29%4.06%5.26%4.40%5.17%+288 bps
Loan Growth (YoY)8.51%12.69%6.88%9.10%18.90%+1,039 bps
Deposit Growth (YoY)1.34%3.63%4.10%3.73%4.56%+322 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.27%0.14%0.14%0.12%-3 bps
Net Charge-Offs / Loans0.01%0.03%0.02%-0.02%-0.01%-2 bps
Allowance / Loans2.08%2.00%2.00%1.96%1.77%-31 bps
Allowance Coverage of NPLs13.5x7.5x14.0x13.9x14.3x+0.7x
Capital
Tier 1 Leverage Ratio13.96%13.90%13.74%13.73%13.63%-33 bps
Total Risk-Based Capital29.74%30.15%30.49%30.63%27.66%-208 bps
Equity / Assets11.28%11.82%11.78%11.63%11.66%+38 bps
Liquidity & Funding
Loans / Deposits46.93%49.15%48.06%48.06%53.36%+643 bps
Liquid Assets / Assets19.58%20.12%19.44%20.59%16.96%-262 bps
CRE / Total Capitaln/a65.83%59.26%61.85%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

Millville Savings Bank

Millville, NJ · Cert 30183 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 2 branches

Q2 2026

$169.9MAssets
$79.6MLoans
$149.2MDeposits
$19.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets (rank 97 of 629).
  • Widest gap: efficiency ratio trails 86% of banks under $1B in assets (rank 542 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.33%

Rank 541 of 629

Net Interest Margin

2.90%

Rank 502 of 629

Efficiency Ratio

88.51%

Rank 542 of 629

Equity / Assets

11.66%

Rank 248 of 629

Non-interest income vs. expense

$0.4M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.51%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.60%1.01%1.45%Beats 14%541 / 629
Return on Equity2.81%5.38%9.30%13.28%Beats 15%535 / 629
Net Interest Margin2.90%3.03%3.54%4.05%Beats 20%502 / 629
Efficiency Ratio88.51%58.35%67.79%79.08%Beats 14%542 / 629
Asset Quality
Nonperforming Loans / Loans0.12%0.09%0.46%1.20%Beats 72%163 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 68%190 / 581
Capital
Tier 1 Capital Ratio26.41%11.24%13.84%18.77%Beats 85%97 / 629
Total Risk-Based Capital Ratio27.66%11.58%14.43%19.66%Beats 85%97 / 629
Equity / Assets11.66%9.09%10.65%13.80%Beats 61%248 / 629
Liquidity & Funding
Loans / Deposits53.36%67.24%80.90%93.48%13th pctl517 / 594
Loans / Assets46.87%53.31%67.71%78.15%18th pctl514 / 629
Brokered Deposits / Depositsn/aNot reported for this institution