Milton Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Milton Savings Bank of Milton, PA against its peer group of 536 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 | 0.37% | 3.14% | -2.77% | 22nd bottom |
| ROAE | 2.55% | 10.44% | -7.89% | 21st bottom |
| Net Interest Margin | 3.36% | 3.93% | -0.57% | 25th below |
| Efficiency Ratio | 82.59% | 76.29% | +6.30% | 26th below |
| PPNR / Avg Assets | 0.51% | 1.40% | -0.89% | 20th bottom |
| Yield on Earning Assets | 4.98% | 5.35% | -0.37% | 40th below |
| Cost of Funds | 2.09% | 1.70% | +0.39% | 25th below |
| Net Interest Spread | 3.01% | 3.31% | -0.30% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.34% | -1.28% | 62nd above |
| NPA / Total Assets | 0.04% | 0.71% | -0.67% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 25th below |
| ACL / Total Loans | 1.14% | 1.49% | -0.35% | 41st below |
| ACL / NPLs (Coverage) | 1792.50% | 860.69% | +931.81% | — |
| Texas Ratio | 0.29% | 8.27% | -7.98% | 64th above |
| Provision / NCO | 3600.00% | 294.28% | +3305.72% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 31.35% | 62.02% | -30.67% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 31.35% | 62.03% | -30.68% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 32.60% | 62.99% | -30.39% | 68th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.89% | 17.61% | -0.72% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.48% | 16.43% | -1.95% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.48% | 16.18% | -1.70% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.33% | 72.79% | +15.54% | 20th bottom |
| Core Deposit Ratio | 83.90% | 88.23% | -4.33% | 20th bottom |
| Wholesale Funding Ratio | 6.90% | 5.26% | +1.64% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.92% | 4.29% | +7.63% | 89th top |
| Loan Growth (Y/Y) | 15.98% | 6.70% | +9.28% | 88th top |
| Deposit Growth (Y/Y) | 13.78% | 3.74% | +10.04% | 91st top |
See Milton Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Milton 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 Milton Savings Bank profile, how to read a UBPR, or how this data updates.