BlastPoint's Banking Scorecard
Milton Savings Bank
Designations: ✓ Community bank ✓ Mutual
Milton, PA
Milton Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.00% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.66% below tier average
- - ROA 0.73% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 8.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.6M
+12.0% YoY
+2.4% QoQ
|
+$27.3M |
$62.3M
-0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.0% YoY
|
Top 13.2% in tier |
| Total Loans ? |
$60.5M
+20.2% YoY
+4.5% QoQ
|
+$26.2M |
$34.3M
-1.5% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.7% YoY
|
Top 11.5% in tier |
| Total Deposits ? |
$68.6M
+14.8% YoY
+5.1% QoQ
|
+$16.8M |
$51.8M
-0.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.0% YoY
|
72% |
| Return on Assets ? |
0.12%
+116.4% YoY
+138.7% QoQ
|
-0.73% |
0.86%
-3.6% YoY
|
1.46%
+26.2% YoY
|
1.24%
+13.1% YoY
|
17% |
| Net Interest Margin ? |
3.09%
+13.0% YoY
+6.6% QoQ
|
-0.78% |
3.87%
+2.7% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
96.25%
-16.4% YoY
-7.0% QoQ
|
+8.62% |
87.63%
+2.3% YoY
|
69.09%
-7.7% YoY
|
66.84%
-3.8% YoY
|
15% |
| Delinquency Rate ? |
0.36%
+101.6% QoQ
|
-1.00% |
1.36%
+33.7% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
88.16%
+4.7% YoY
-0.6% QoQ
|
+24.05% |
64.11%
-0.9% YoY
|
83.35%
-0.2% YoY
|
76.69%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
5.18%
-8.5% YoY
+5.1% QoQ
|
-18.60% |
23.79%
+0.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.1% YoY
|
Bottom 10.4% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+105.8% QoQ
|
-0.53% |
0.77%
+28.7% YoY
|
0.67%
+14.7% YoY
|
0.66%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
31.96%
-17.1% YoY
-3.9% QoQ
|
+5.19% |
26.77%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 14.3% in tier |
| Non-Interest Income / Assets ? |
0.01%
+11.6% YoY
-81.9% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 4.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.