Millville Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Millville Savings Bank is an FDIC-insured savings bank headquartered in Millville, NJ, established in 1941 (FDIC certificate 30183), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $169.9M, up 5.2% from Q2 2025, the 44th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 26.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30183
- Headquarters
- Millville, NJ
- Established
- 1941
- Total assets, Q2 2026
- $169.9M
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 26.41%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 231271006
- Latest call report
- Q2 2026, FFIEC 041 · Millville Savings Bank call report
- Asset rank in state
- 44th of 49 in New Jersey
Millville Savings Bank spends more to run itself than most banks of its size. The Millville, New Jersey bank had $170 million in assets at June 30, 2026, up 5.2% from a year earlier. It earns about $0.36 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 18.9% and deposits rose 4.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.3 million equal 27% of Tier 1 capital, down from 37% a year earlier. Its margin is thin by comparison: it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Millville Savings Bank reported a CET1 capital ratio of 26.41%, a return on assets of 0.36%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Millville Savings Bank is the 44th largest of the 49 banks headquartered in New Jersey. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $169.9M, loans rose 12.3% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 74.2% of total loans, followed by owner-occupied commercial real estate loans at 13.5%. Its 2 offices in the FDIC Summary of Deposits are in Millville, NJ. By the capital ratios in its Q2 2026 call report, Millville Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Albertson St, Millville, NJ 08332
- County
- Cumberland
- Metro Area
- Vineland, NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 1, 1941
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $149.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $169.1M
- Average total loans
- $75.0M
- Average interest-bearing deposits
- $120.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30183
- Fed RSSD
- 814476
- Website
- www.millvillesavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Millville Savings Bank's total assets moved between a low of $154.9M (Q3 2023) and a high of $169.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$169.9M total assets against $161.6M; $150.1M total liabilities against $143.3M.
$78.2M net loans and leases against $65.6M; $149.2M total deposits against $142.7M.
$62.2M securities against $65.0M; $21.6M cash and balances due against $23.2M.
$1.6M total interest income against $1.5M; $368K total interest expense against $340K.
$1.3M net interest income against $1.2M.
$95K total noninterest income against $85K; $1.2M total noninterest expense against $985K.
$18K provision for credit losses against $26K.
$152K net income against $190K.
0.36% return on assets against 0.47%; 3.27% net interest margin against 3.16%.
26.41% CET1 capital ratio against 28.49%; 13.63% tier 1 leverage ratio against 13.96%.
Inside the full Millville Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Millville Savings Bank rankings
Its closest position to the top of a national ranking is 128 of 2,134, for CET1 ratio; its furthest is 3,362 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.30% (Q1 2026) to 0.89% (Q4 2024) and its net interest margin ran from 3.00% (Q1 2025) to 3.43% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.41% | 0.36% | 0.12% | 0.47% | 3.27% |
| Q1 2026 | 29.37% | 0.30% | 0.14% | 0.48% | 3.05% |
| Q4 2025 | 29.23% | 0.41% | 0.14% | 0.48% | 3.20% |
| Q3 2025 | 28.89% | 0.40% | 0.27% | 0.90% | 3.13% |
| Q2 2025 | 28.49% | 0.47% | 0.15% | 0.53% | 3.16% |
| Q1 2025 | 28.90% | 0.32% | 0.07% | 0.23% | 3.00% |
| Q4 2024 | 28.42% | 0.89% | 0.20% | 0.70% | 3.43% |
| Q3 2024 | 29.98% | 0.39% | 0.32% | 1.03% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Millville Savings Bank (main office) | Millville , NJ | 08332 | $147.4M |
| West Main Branch | Millville , NJ | 08332 | $1.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 76 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Millville Savings Bank
What are Millville Savings Bank's total assets?
As of the Q2 2026 filing, Millville Savings Bank reported total assets of $169.9 million in its FFIEC call report.
Where is Millville Savings Bank headquartered?
It is headquartered in Millville, NJ, United States.
When was Millville Savings Bank founded?
It was established in 1941, per the FDIC institution directory.
Is Millville Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Millville Savings Bank?
Millville Savings Bank's primary federal regulator is the FDIC.
What is Millville Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Millville Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Millville Savings Bank's Texas Ratio?
Its Texas Ratio is 0.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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