Milton 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 1415.41 percentage points in Q2 2026, from 377.09% to 1792.50%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Milton Savings Bank is 11th from the bottom among 109 Pennsylvania banks, 0.37% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Milton Savings Bank reported 0.37% on return on assets in Q2 2026, 0.62 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.35% |
| Tier 1 risk-based capital ratio | 31.35% |
| Total risk-based capital ratio | 32.60% |
| Tier 1 leverage ratio | 16.89% |
| Equity capital to assets | 14.48% |
| Tangible equity to tangible assets | 14.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.29% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 1792.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 2.55% |
| Net interest margin | 3.36% |
| Efficiency ratio | 82.59% |
| Yield on earning assets | 4.98% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.33% |
| Core deposits to total deposits | 83.90% |
| Brokered deposits to total deposits | 10.94% |
| Deposits to assets | 78.34% |
| Securities to assets | 24.38% |
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 | 52.31% | 52.31% | 53.56% | 22.30% | -0.09% |
| Q4 2023 | 51.42% | 51.42% | 52.67% | 22.79% | -0.50% |
| Q1 2024 | 50.62% | 50.62% | 51.87% | 21.74% | -0.91% |
| Q2 2024 | 48.02% | 48.02% | 49.26% | 21.27% | -0.71% |
| Q3 2024 | 39.50% | 39.50% | 40.73% | 20.98% | -0.64% |
| Q4 2024 | 42.68% | 42.68% | 43.93% | 20.38% | -0.64% |
| Q1 2025 | 38.56% | 38.56% | 39.81% | 19.16% | -0.73% |
| Q2 2025 | 36.70% | 36.70% | 37.95% | 18.55% | -0.35% |
| Q3 2025 | 34.74% | 34.74% | 35.99% | 18.10% | -0.11% |
| Q4 2025 | 33.24% | 33.24% | 34.50% | 17.74% | -0.08% |
| Q1 2026 | 31.96% | 31.96% | 33.21% | 17.09% | 0.12% |
| Q2 2026 | 31.35% | 31.35% | 32.60% | 16.89% | 0.37% |
Milton Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Milton 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 Milton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28637) · FFIEC NIC profile (RSSD 123075)