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
Unfavorable gap of $4.3M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.60% | 1.01% | 1.45% | Beats 14% | 541 / 629 | | |
| Return on Equity | 2.81% | 5.38% | 9.30% | 13.28% | Beats 15% | 535 / 629 | | |
| Net Interest Margin | 2.90% | 3.03% | 3.54% | 4.05% | Beats 20% | 502 / 629 | | |
| Efficiency Ratio | 88.51% | 58.35% | 67.79% | 79.08% | Beats 14% | 542 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.46% | 1.20% | Beats 72% | 163 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 26.41% | 11.24% | 13.84% | 18.77% | Beats 85% | 97 / 629 | | |
| Total Risk-Based Capital Ratio | 27.66% | 11.58% | 14.43% | 19.66% | Beats 85% | 97 / 629 | | |
| Equity / Assets | 11.66% | 9.09% | 10.65% | 13.80% | Beats 61% | 248 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.36% | 67.24% | 80.90% | 93.48% | 13th pctl | 517 / 594 | | |
| Loans / Assets | 46.87% | 53.31% | 67.71% | 78.15% | 18th pctl | 514 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |