Millville Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Millville Savings Bank of Millville, NJ against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.36% | 1.35% | -0.99% | 9th bottom |
| ROAE | 3.09% | 13.32% | -10.23% | 9th bottom |
| Net Interest Margin | 3.27% | 3.93% | -0.66% | 19th bottom |
| Efficiency Ratio | 83.95% | 61.13% | +22.82% | 10th bottom |
| PPNR / Avg Assets | 0.46% | 1.68% | -1.22% | 8th bottom |
| Yield on Earning Assets | 4.19% | 5.67% | -1.48% | 4th bottom |
| Cost of Funds | 1.02% | 1.88% | -0.86% | 91st top |
| Net Interest Spread | 3.01% | 3.32% | -0.31% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.94% | -0.07% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.70% | -0.29% | 43rd below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.77% | 1.28% | +0.49% | 89th top |
| ACL / NPLs (Coverage) | 204.19% | 1546.36% | -1342.17% | 49th below |
| Texas Ratio | 3.26% | 7.34% | -4.08% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.41% | 19.48% | +6.93% | 90th top |
| Tier 1 Ratio | 26.41% | 19.52% | +6.89% | 90th top |
| Total Capital Ratio | 27.66% | 20.60% | +7.06% | 90th top |
| Leverage Ratio | 13.63% | 12.14% | +1.49% | 79th top |
| Equity / Assets | 11.66% | 11.36% | +0.30% | 68th above |
| TCE / Tangible Assets | 11.66% | 11.08% | +0.58% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.36% | 80.67% | -27.31% | 89th top |
| Core Deposit Ratio | 95.37% | 86.85% | +8.52% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.17% | 6.84% | -1.67% | 56th above |
| Loan Growth (Y/Y) | 18.90% | 7.92% | +10.98% | 91st top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.56% | 6.29% | -1.73% | 54th above |
See Millville Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Millville Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Millville Savings Bank profile, how to read a UBPR, or how this data updates.