Milton Savings Bank
BankRegReports is independent of Milton Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Milton Savings Bank is an FDIC-insured savings institution headquartered in Milton, PA, established in 1920 (FDIC certificate 28637), and it is supervised by the OCC. At Q2 2026 it reported total assets of $90.6M, up 11.9% from Q2 2025, the 103rd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 31.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28637
- Headquarters
- Milton, PA
- Established
- 1920
- Total assets, Q2 2026
- $90.6M
- Assets vs Q2 2025
- +11.9%
- CET1 ratio, Q2 2026
- 31.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 231372921
- Latest call report
- Q2 2026, FFIEC 051 · Milton Savings Bank call report
- Asset rank in state
- 103rd of 109 in Pennsylvania
Milton Savings Bank, based in Milton, Pennsylvania, reported $91 million in assets at June 30, 2026, up 11.9% from a year earlier. It grew deposits 13.8% over the year, 5.5 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also returns 2.6% a year on shareholders' equity, about a third the median of 8.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.8 million equal 18% of Tier 1 capital, down from 24% a year earlier. Costs are the weak spot: it spends about 83 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Milton Savings Bank reported a CET1 capital ratio of 31.35%, a return on assets of 0.37%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.29%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Milton Savings Bank is the 103rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $90.6M, loans rose 2.5% and deposits rose 3.4%. 1-4 family residential loans made up 72.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 8.4%. The FDIC Summary of Deposits lists a single office for it, in Milton, PA. By the capital ratios in its Q2 2026 call report, Milton Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 80 Broadway St, Milton, PA 17847
- County
- Northumberland
- Metro Area
- Sunbury, PA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Former names
- Savings and Loan Association of Milton (1995-2003)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $71.0M
- Allowance for credit losses
- $717K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $90.9M
- Average total loans
- $61.3M
- Average interest-bearing deposits
- $65.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28637
- Fed RSSD
- 123075
- Website
- www.miltonsavingsbank.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
Milton Savings Bank's total assets moved between a low of $72.1M (Q3 2023) and a high of $90.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$90.6M total assets against $80.9M; $77.5M total liabilities against $68.6M.
$62.0M net loans and leases against $53.5M; $71.0M total deposits against $62.4M.
$22.1M securities against $22.4M; $4.1M cash and balances due against $2.6M.
$1.1M total interest income against $871K; $361K total interest expense against $308K.
$716K net interest income against $563K.
$5K total noninterest income against $7K; $606K total noninterest expense against $586K.
$44K provision for credit losses against $56K.
$83K net income against -$72K.
0.37% return on assets against -0.35%; 3.36% net interest margin against 2.85%.
31.35% CET1 capital ratio against 36.70%; 16.89% tier 1 leverage ratio against 18.55%.
Inside the full Milton Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMilton Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.73% (Q1 2025) to 0.37% (Q2 2026) and its net interest margin ran from 2.51% (Q3 2024) to 3.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.35% | 0.37% | 0.06% | 0.29% | 3.36% |
| Q1 2026 | 31.96% | 0.12% | 0.35% | 1.60% | 3.01% |
| Q4 2025 | 33.24% | -0.08% | 0.18% | 0.75% | 2.95% |
| Q3 2025 | 34.74% | -0.11% | 0.00% | 0.00% | 2.89% |
| Q2 2025 | 36.70% | -0.35% | 0.00% | 0.00% | 2.85% |
| Q1 2025 | 38.56% | -0.73% | 0.00% | 0.00% | 2.63% |
| Q4 2024 | 42.68% | -0.64% | 0.01% | 0.04% | 2.57% |
| Q3 2024 | 39.50% | -0.64% | 0.01% | 0.04% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Milton Savings Bank (main office) | Milton , PA | 17847 | $71.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 20, 2021, OCC: Formal Agreement: Milton Savings Bank
- Period: Most recent institution action April 20, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 133 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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
Add this badge to your website
Free to use. It shows Milton Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Milton Savings Bank
What are Milton Savings Bank's total assets?
As of the Q2 2026 filing, Milton Savings Bank reported total assets of $90.6 million in its FFIEC call report.
Where is Milton Savings Bank headquartered?
It is headquartered in Milton, PA, United States.
When was Milton Savings Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Milton Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Milton Savings Bank?
Milton Savings Bank's primary federal regulator is the OCC.
What is Milton Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Milton Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Milton Savings Bank's Texas Ratio?
Its Texas Ratio is 0.29% 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.
What was Milton Savings Bank previously called?
The charter now named Milton Savings Bank has also operated as Savings and Loan Association of Milton (1995-2003), per FDIC structure-change records.
Go deeper on Milton Savings Bank.
Get an email when Milton Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Milton Savings Bank, freeFree account