BlastPoint's Banking Scorecard
Milton Savings Bank
Designations: ✓ Community bank
Milton, PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 9 in PA.
- Deposits +13.8% year over year ($71.0M on the books).
- Delinquency rate 0.06%.
- Return on assets 0.25%.
- Efficiency ratio 89.91% vs a 119.40% peer average.
- Loan-to-deposit ratio 87.32% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Milton Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.49% below tier average
- + Delinquency Rate 1.42% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.37% below tier average
- - ROA 0.75% below tier average
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.6M
+11.9% YoY
+1.1% QoQ
|
+$28.1M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 12.9% in tier |
| Total Loans ? |
$62.0M
+15.9% YoY
+2.4% QoQ
|
+$27.1M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 11.6% in tier |
| Total Deposits ? |
$71.0M
+13.8% YoY
+3.4% QoQ
|
+$19.3M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
0.25%
+144.9% YoY
+102.2% QoQ
|
-0.75% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.19%
+12.9% YoY
+3.3% QoQ
|
-0.72% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
89.91%
-17.3% YoY
-6.6% QoQ
|
-29.49% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.06%
-82.0% QoQ
|
-1.42% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
87.32%
+1.9% YoY
-1.0% QoQ
|
+13.11% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
4.42%
-19.2% YoY
-14.7% QoQ
|
-19.07% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.1% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-81.8% QoQ
|
-0.79% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
31.35%
-14.6% YoY
-1.9% QoQ
|
+4.22% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 14.2% in tier |
| Non-Interest Income / Assets ? |
0.01%
-18.8% YoY
+97.8% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
4.4%
-1.0pp YoY -0.8pp QoQ |
-20.2pp | 24.6% | 18.7% | 22.2% | 6% |
| Brokered Deposits |
10.9%
+2.3pp YoY -0.4pp QoQ |
+1.2pp | 9.8% | 6.8% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
+1.2pp YoY -0.5pp QoQ |
-7.2pp | 13.4% | 8.6% | 12.5% | 28% |
| CRE |
19.8%
+5.2pp YoY +1.4pp QoQ |
-5.4pp | 25.2% | 37.9% | 41.4% | 49% |
| 1-4 Family |
73.1%
-6.7pp YoY -0.9pp QoQ |
+38.1pp | 35.0% | 47.8% | 31.3% | 89% |
| Consumer |
1.1%
-0.1pp YoY 0.0pp QoQ |
-6.6pp | 7.7% | 3.8% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
31.4%
-5.4pp YoY -0.6pp QoQ |
-7.3pp | 38.7% | 22.3% | 19.7% | 75% |
| Leverage Ratio |
16.9%
-1.7pp YoY -0.2pp QoQ |
-0.8pp | 17.7% | 13.2% | 12.6% | 79% |
| Total Capital Ratio |
32.6%
-5.4pp YoY -0.6pp QoQ |
-7.1pp | 39.7% | 23.3% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
-2 (-14.3%) YoY -1 (-7.7%) QoQ |
-0 | 12 | 299 | 482 | 56% |
| Assets per Employee ($) |
$7.5M
+30.6% YoY +9.5% QoQ |
+$1.4M | $6.2M | $9.2M | $8.8M | 74% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp QoQ |
-1.7pp | 1.7% | 0.9% | 1.0% | 7% |
| Allowance Coverage |
17.93x
+476.3% QoQ |
+11.51x | 6.41x | 3.63x | 20.23x | 92% |
| Net Charge-off Rate (YTD) | 0.0% | -0.2pp | 0.2% | 0.1% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.7%
+5.2pp YoY +0.9pp QoQ |
-4.7pp | 6.4% | 10.2% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.7%
+0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$110,000
+150.5% YoY — QoQ |
-$208K | $317,817 | $18.2M | $40.4M | 24% |
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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.