Millville Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 5.76 percentage points in Q2 2026, from 198.43% to 204.19%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Millville Savings Bank is 34th of 49 on return on assets, 0.36% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Millville Savings Bank reported 0.36% on return on assets in Q2 2026, 0.89 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.41% |
| Tier 1 risk-based capital ratio | 26.41% |
| Total risk-based capital ratio | 27.66% |
| Tier 1 leverage ratio | 13.63% |
| Equity capital to assets | 11.66% |
| Tangible equity to tangible assets | 11.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.87% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.26% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 204.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.36% |
| Return on equity | 3.09% |
| Net interest margin | 3.27% |
| Efficiency ratio | 83.95% |
| Yield on earning assets | 4.19% |
| Cost of funds | 1.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.36% |
| Core deposits to total deposits | 95.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.84% |
| Securities to assets | 36.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 30.82% | 30.82% | 32.08% | 13.70% | 0.27% |
| Q4 2023 | 31.61% | 31.61% | 32.87% | 13.83% | 0.53% |
| Q1 2024 | 32.00% | 32.00% | 33.26% | 13.80% | 0.67% |
| Q2 2024 | 29.84% | 29.84% | 31.09% | 13.69% | 0.45% |
| Q3 2024 | 29.98% | 29.98% | 31.24% | 13.89% | 0.39% |
| Q4 2024 | 28.42% | 28.42% | 29.67% | 14.06% | 0.89% |
| Q1 2025 | 28.90% | 28.90% | 30.16% | 13.90% | 0.32% |
| Q2 2025 | 28.49% | 28.49% | 29.74% | 13.96% | 0.47% |
| Q3 2025 | 28.89% | 28.89% | 30.15% | 13.90% | 0.40% |
| Q4 2025 | 29.23% | 29.23% | 30.49% | 13.74% | 0.41% |
| Q1 2026 | 29.37% | 29.37% | 30.63% | 13.73% | 0.30% |
| Q2 2026 | 26.41% | 26.41% | 27.66% | 13.63% | 0.36% |
Millville Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Millville Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Millville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30183) · FFIEC NIC profile (RSSD 814476)