BlastPoint's Banking Scorecard
Millville Savings Bank
Designations: ✓ Mutual
Millville, NJ
2 branches across NJ
Millville Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.4% in tier
- - Credit Risk Growth: Bottom 35.2% in tier
- - Liquidity Overhang: Bottom 39.1% in tier
- - Return on Assets 0.97% below tier average
- - Efficiency Ratio 26.24% above tier average
- - Net Interest Margin 0.95% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.0M
+4.4% YoY
+0.3% QoQ
|
-$218.1M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$69.5M
+9.3% YoY
+0.6% QoQ
|
-$186.2M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.4% in tier |
| Total Deposits ? |
$147.6M
+3.7% YoY
+0.5% QoQ
|
-$180.4M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
0.30%
-6.8% YoY
-24.7% QoQ
|
-0.97% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.0% in tier |
| Net Interest Margin ? |
2.98%
+1.2% YoY
-2.7% QoQ
|
-0.95% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio ? |
91.53%
+4.7% YoY
+8.3% QoQ
|
+26.24% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate ? |
0.14%
+108.0% YoY
-1.5% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
47.11%
+5.3% YoY
+0.0% QoQ
|
-29.52% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Top 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.48%
+7.6% YoY
+2.2% QoQ
|
-6.54% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.06%
+117.7% YoY
-1.3% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
29.37%
+1.6% YoY
+0.5% QoQ
|
+13.54% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Top 4.1% in tier |
| Non-Interest Income / Assets ? |
0.05%
-2.0% YoY
-74.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.