BlastPoint's Banking Scorecard
Millville Savings Bank
Micro
Specialty: Mortgage
NJ
FDIC cert 30183
Designations: ✓ Community bank ✓ Mutual
Millville, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Millville Savings Bank shows strong momentum with 1 strength and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 20.38% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.5M
+5.3% YoY
+2.5% QoQ
|
-$50.0M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$69.2M
+7.0% YoY
+0.2% QoQ
|
-$70.0M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$146.8M
+4.1% YoY
+2.5% QoQ
|
-$36.8M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.40%
-33.2% YoY
+0.5% QoQ
|
-0.69% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.06%
+1.2% YoY
+0.8% QoQ
|
-0.79% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
84.49%
+5.7% YoY
+2.6% QoQ
|
+16.76% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.15%
-27.9% YoY
-46.1% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
47.10%
+2.8% YoY
-2.2% QoQ
|
-27.42% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.14%
+15.3% YoY
+0.2% QoQ
|
-7.26% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.06%
-26.8% YoY
-47.3% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
29.23%
+2.9% YoY
+1.2% QoQ
|
+20.38% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.21%
+43.5% YoY
+28.9% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.23%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
96
96th pctile
Tier 1 Capital Ratio
Current: 29.23% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.10% · Tier avg: 74.53%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
45
45th pctile
Total Deposits
Current: $146.8M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $167.5M · Tier avg: $217.5M
28
28th pctile
Total Loans
Current: $69.2M · Tier avg: $139.2M
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.14% · Tier avg: 22.39%
18
18th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 84.49% · Tier avg: 67.73%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 84.49% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
18
18th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.14% · Tier avg: 22.39%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
28
28th pctile
Total Loans
Current: $69.2M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $167.5M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $146.8M · Tier avg: $183.7M
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.10% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.23% · Tier avg: 8.85%