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Millville Savings Bank

$100M-$1B Specialty: Mortgage NJ FDIC cert 30183

Designations: ✓ Mutual

Millville, NJ

2 branches across NJ

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits +4.6% year over year ($149.2M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 0.33%.
  • Efficiency ratio 88.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.42% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

Millville 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 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 40.2% in tier
  • - Liquidity Overhang: Bottom 46.6% in tier
  • - Return on Assets 0.99% below tier average
  • - Net Interest Margin 0.88% below tier average
Get updates when Millville Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $169.9M
+5.2% YoY +1.1% QoQ
-$216.7M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $78.2M
+19.3% YoY +12.5% QoQ
-$180.1M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Bottom 9.6% in tier
Total Deposits ? $149.2M
+4.6% YoY +1.1% QoQ
-$177.5M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 0.33%
-17.0% YoY +9.8% QoQ
-0.99% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 8.0% in tier
Net Interest Margin ? 3.10%
+2.6% YoY +4.2% QoQ
-0.88% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 12.7% in tier
Efficiency Ratio ? 88.51%
+7.2% YoY -3.3% QoQ
+24.03% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
Bottom 6.6% in tier
Delinquency Rate ? 0.13%
-19.4% YoY -12.0% QoQ
-0.79% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 52.42%
+14.1% YoY +11.3% QoQ
-25.54% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Top 10.2% in tier
Non-Interest-Bearing Deposit Share ? 16.97%
+21.9% YoY +9.7% QoQ
-5.06% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.06%
-8.6% YoY -2.1% QoQ
-0.61% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 26.41%
-7.3% YoY -10.1% QoQ
+10.50% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Top 5.7% in tier
Non-Interest Income / Assets ? 0.11%
+1.7% YoY +104.4% QoQ
-0.46% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
21%

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 (NJ) National Avg Tier Percentile
Noninterest-Bearing 17.0%
+3.0pp YoY
+1.5pp QoQ
 -5.2pp 22.1% 16.6% 22.2% 32%
Brokered Deposits n/a n/a 7.9% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I n/a n/a 11.6% 6.5% 12.5% n/a
CRE 19.7%
-0.8pp YoY
-0.7pp QoQ
 -19.9pp 39.5% 56.3% 41.4% 18%
1-4 Family 75.6%
-6.2pp YoY
-6.1pp QoQ
 +42.9pp 32.6% 39.4% 31.3% 96%
Consumer 6.6% +2.5pp 4.1% 4.3% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 26.4%
-2.1pp YoY
-3.0pp QoQ
 +7.6pp 18.8% 18.8% 19.7% 90%
Leverage Ratio 13.6%
-0.3pp YoY
-0.1pp QoQ
 +1.5pp 12.2% 13.4% 12.6% 80%
Total Capital Ratio 27.7%
-2.1pp YoY
-3.0pp QoQ
 +7.7pp 19.9% 19.8% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 20
0 YoY
0 QoQ
 -39 58 336 482 11%
Assets per Employee ($) $8.5M
+5.2% YoY
+1.1% QoQ
 +$977K $7.5M $11.2M $8.8M 74%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 22%
Allowance Coverage 14.27x
+5.4% YoY
+2.6% QoQ
 -9.88x 24.15x 6.57x 20.23x 86%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 2.8%
-0.8pp YoY
+0.2pp QoQ
 -9.4pp 12.2% 6.4% 11.6% 8%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.9% 1.7% 8%
Net Income ($, YTD) $278,000
-12.9% YoY
— QoQ
 -$2.3M $2.6M $19.8M $40.4M 6%

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 (2)

Efficiency Drag

risk
#146 of 361 • Bottom 40.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.51%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#347 of 742 • Bottom 46.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.41%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 52.42%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

151
Tier 1 Capital Ratio
capital
Value: 26.41%
Peer Median: 15.91%
#151 of 2643 Top 5.7% in $100M-$1B
271
Loan-to-Deposit Ratio
liquidity
Value: 52.42%
Peer Median: 77.95%
#271 of 2643 Top 10.2% in $100M-$1B
595
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#595 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (7 metrics)

2469
Efficiency Ratio
profitability
Value: 88.51%
Peer Median: 64.48%
#2469 of 2643 Bottom 6.6% in $100M-$1B
2433
Return on Assets
profitability
Value: 0.33%
Peer Median: 1.32%
#2433 of 2643 Bottom 8.0% in $100M-$1B
2389
Total Loans
size
Value: $78.23M
Peer Median: $258.35M
#2389 of 2643 Bottom 9.6% in $100M-$1B
2309
Net Interest Margin
profitability
Value: 3.10%
Peer Median: 3.99%
#2309 of 2643 Bottom 12.7% in $100M-$1B
2138
Total Assets
size
Value: $169.91M
Peer Median: $386.57M
#2138 of 2643 Bottom 19.1% in $100M-$1B
2084
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2084 of 2643 Bottom 21.2% in $100M-$1B
2079
Total Deposits
size
Value: $149.25M
Peer Median: $326.73M
#2079 of 2643 Bottom 21.4% in $100M-$1B
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