West Milton State Bank
West Milton, PA · Cert 8421 · Peer group: banks under $1B in assets (n=524-573)
FDIC · 7 branches
Q3 2025
$587.3MAssets
$400.1MLoans
$501.0MDeposits
$36.3MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 308 of 534).
- Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 551 of 572).
- Overall: at or above the peer median on 1 of 10 directional measures.
Return on Assets
0.01%
Rank 524 of 573
Net Interest Margin
2.87%
Rank 442 of 572
Efficiency Ratio
88.04%
Rank 493 of 572
Equity / Assets
6.18%
Rank 551 of 572
Non-interest income vs. expense
Unfavorable gap of $14.9M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.01% | 0.59% | 0.98% | 1.45% | Beats 9% | 524 / 573 | |
| Return on Equity | 0.08% | 5.85% | 9.53% | 12.80% | Beats 8% | 524 / 572 | |
| Net Interest Margin | 2.87% | 2.90% | 3.43% | 3.93% | Beats 23% | 442 / 572 | |
| Efficiency Ratio | 88.04% | 57.89% | 68.34% | 78.82% | Beats 14% | 493 / 572 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.06% | 0.38% | 1.02% | Beats 41% | 309 / 524 | |
| Net Charge-Offs / Loans | 0.55% | 0.00% | 0.02% | 0.10% | Beats 5% | 499 / 524 | |
| Capital |
| Tier 1 Capital Ratio | 10.24% | 11.46% | 13.85% | 18.44% | Beats 11% | 509 / 572 | |
| Total Risk-Based Capital Ratio | 10.89% | 11.91% | 14.43% | 19.34% | Beats 15% | 486 / 572 | |
| Equity / Assets | 6.18% | 8.73% | 10.52% | 13.44% | Beats 4% | 551 / 572 | |
| Liquidity & Funding |
| Loans / Deposits | 79.85% | 65.09% | 79.44% | 91.92% | 51st pctl | 261 / 534 | |
| Loans / Assets | 68.12% | 56.13% | 68.58% | 77.83% | 48th pctl | 271 / 524 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 308 / 534 | |