Bank Safety Analysis
Is Milton Savings Bank Safe? Milton, Pennsylvania
Based on its Q2 2026 call report, Milton Savings Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.29%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Milton Savings Bank's CET1 ratio is 31.35%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 31.35%
- Tier 1 leverage ratio (Q2 2026): 16.89%
- Texas ratio (Q2 2026): 0.29%
- Noncurrent loans ratio (Q2 2026): 0.06%
Milton Savings Bank is an FDIC-insured savings institution (FDIC Certificate #28637). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Milton Savings Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, net interest margin rose 0.35 percentage points in Q2 2026 to 3.36%, the biggest move on this page. Milton Savings Bank ranks 8th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 31.35% (Q2 2026). Against a median of 19.96% for banks in the < $100M asset tier, Milton Savings Bank reported 31.35% on CET1 ratio in Q2 2026, 11.39 points higher. From Q3 2023 to Q2 2026, Milton Savings Bank's CET1 ratio ranged between 31.35% (Q2 2026) and 52.31% (Q3 2023) and its Texas ratio ranged between 0.00% (Q3 2025) and 1.60% (Q1 2026). Between Q2 2025 and Q2 2026, Milton Savings Bank's CET1 ratio fell from 36.70% to 31.35%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 0.06%, Texas ratio rose from 0.00% to 0.29% and return on assets rose from -0.35% to 0.37%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 31.35% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 16.89% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.06% are within industry-normal range.
Texas Ratio of 0.3% is well below the 100% historical failure threshold.
Efficiency ratio of 82.6% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 31.35% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.29% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.06% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 88.33% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 48.18% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 31.35% |
| Q1 2026 | 31.96% |
| Q4 2025 | 33.24% |
| Q3 2025 | 34.74% |
| Q2 2025 | 36.70% |
| Q1 2025 | 38.56% |
| Q4 2024 | 42.68% |
| Q3 2024 | 39.50% |
| Q2 2024 | 48.02% |
| Q1 2024 | 50.62% |
| Q4 2023 | 51.42% |
| Q3 2023 | 52.31% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.29% |
| Q1 2026 | 1.60% |
| Q4 2025 | 0.75% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.04% |
| Q3 2024 | 0.04% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.01% |
| Q4 2023 | 0.75% |
| Q3 2023 | 1.49% |
Milton Savings Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 31.35% | 0.06% | 0.29% | 0.37% |
| Mar 31, 2026 | 31.96% | 0.35% | 1.60% | 0.12% |
| Dec 31, 2025 | 33.24% | 0.18% | 0.75% | -0.08% |
| Sep 30, 2025 | 34.74% | 0.00% | 0.00% | -0.11% |
| Jun 30, 2025 | 36.70% | 0.00% | 0.00% | -0.35% |
| Mar 31, 2025 | 38.56% | 0.00% | 0.00% | -0.73% |
| Dec 31, 2024 | 42.68% | 0.01% | 0.04% | -0.64% |
| Sep 30, 2024 | 39.50% | 0.01% | 0.04% | -0.64% |
| Jun 30, 2024 | 48.02% | 0.00% | 0.00% | -0.71% |
| Mar 31, 2024 | 50.62% | 0.00% | 0.01% | -0.91% |
| Dec 31, 2023 | 51.42% | 0.25% | 0.75% | -0.50% |
| Sep 30, 2023 | 52.31% | 0.46% | 1.49% | -0.09% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Milton Savings Bank FDIC insured?
Yes. Milton Savings Bank is an FDIC-insured savings institution (FDIC Certificate #28637). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Milton Savings Bank well capitalized?
On its Q2 2026 call report, Milton Savings Bank's CET1 ratio is 31.35%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Milton Savings Bank's key safety ratios?
For Q2 2026, Milton Savings Bank reports CET1 31.35%, leverage 16.89%, Texas ratio 0.29%, noncurrent loans 0.06%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Milton Savings Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Milton Savings Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 28637) · FFIEC NIC profile (RSSD 123075)
Explore: Full Milton Savings Bank profile · Other banks in PA · Metric glossary · How the call report works