BlastPoint's Banking Scorecard

Milton Savings Bank

under $100M Specialty: Mortgage PA FDIC cert 28637

Designations: ✓ Community bank ✓ Mutual

Milton, PA

541 banks in the under $100M peer group nationally 10 in PA

Milton Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.01% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.71% below tier average
- Net Interest Margin 0.77% below tier average
- Efficiency Ratio 7.90% above tier average

Get updates when Milton Savings Bank releases new data →

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	+$27.5M	$62.2M -0.6% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 13.1% in tier
Total Loans ?	$60.5M +20.2% YoY +4.5% QoQ	+$26.2M	$34.2M -1.4% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 11.5% in tier
Total Deposits ?	$68.6M +14.8% YoY +5.1% QoQ	+$16.9M	$51.7M -0.7% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	0.12% +116.4% YoY +138.7% QoQ	-0.71%	0.84% -2.3% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.09% +13.0% YoY +6.6% QoQ	-0.77%	3.86% +2.8% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	96.25% -16.4% YoY -7.0% QoQ	+7.90%	88.34% +0.3% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.36% +101.6% QoQ	-1.01%	1.37% +33.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	88.16% +4.7% YoY -0.6% QoQ	+23.95%	64.22% -0.7% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	5.18% -8.5% YoY +5.1% QoQ	-18.53%	23.71% +0.3% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Bottom 10.7% in tier
Nonperforming Asset Ratio ?	0.24% +105.8% QoQ	-0.55%	0.79% +28.2% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	31.96% -17.1% YoY -3.9% QoQ	+5.28%	26.68% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 14.2% in tier
Non-Interest Income / Assets ?	0.01% +11.6% YoY -81.9% QoQ	-0.66%	0.67% +1.9% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 4.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $60.48M

Peer Median: $34.25M

#63 of 541 Top 11.5% in under $100M

Total Assets

size

Value: $89.61M

Peer Median: $62.16M

#72 of 541 Top 13.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 31.96%

Peer Median: 26.68%

#78 of 541 Top 14.2% in under $100M

Top Weaknesses (6 metrics)

519

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#519 of 541 Bottom 4.3% in under $100M

484

Non-Interest-Bearing Deposit Share

funding

Value: 5.18%

Peer Median: 23.71%

#484 of 541 Bottom 10.7% in under $100M

458

Efficiency Ratio

profitability

Value: 96.25%

Peer Median: 88.34%

#458 of 541 Bottom 15.5% in under $100M

450

Loan-to-Deposit Ratio

liquidity

Value: 88.16%

Peer Median: 64.22%

#450 of 541 Bottom 17.0% in under $100M

448

Return on Assets

profitability

Value: 0.12%

Peer Median: 0.84%

#448 of 541 Bottom 17.4% in under $100M

442

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.86%

#442 of 541 Bottom 18.5% in under $100M