BlastPoint's Banking Scorecard
Milton Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 28637
Designations: ✓ Community bank ✓ Mutual
Milton, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Milton Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 24.39% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.40% below tier
- - Efficiency Ratio 35.76% above tier
- - Non-Interest-Bearing Deposit Share 17.46% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.5M
+13.3% YoY
+2.8% QoQ
|
-$129.9M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$57.9M
+25.2% YoY
+4.7% QoQ
|
-$81.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$65.3M
+12.9% YoY
+7.5% QoQ
|
-$118.4M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
-0.32%
+55.5% YoY
+21.0% QoQ
|
-1.40% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.90%
+19.1% YoY
+1.2% QoQ
|
-0.96% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
103.49%
-17.7% YoY
-2.1% QoQ
|
+35.76% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 0.18% | -0.46% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
88.70%
+10.8% YoY
-2.6% QoQ
|
+14.17% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
4.93%
-2.4% YoY
+3.3% QoQ
|
-17.46% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? | 0.12% | -0.33% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
33.24%
-22.1% YoY
-4.3% QoQ
|
+24.39% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.03%
-14.9% YoY
+31.3% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.24%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.32%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.49%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.93%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 33.24% · Tier avg: 8.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.70% · Tier avg: 74.53%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $87.5M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $65.3M · Tier avg: $183.7M
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.93% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.32% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 103.49% · Tier avg: 67.73%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
4
4th pctile
Efficiency Ratio
Current: 103.49% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.32% · Tier avg: 1.08%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.93% · Tier avg: 22.39%
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
15
15th pctile
Total Deposits
Current: $65.3M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $87.5M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.70% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.24% · Tier avg: 8.85%