Millville Savings Bank
Total assets
$169.9M
▲ +5.2% YoY
Deposits
$149.2M
▲ +4.6% YoY
Loans
$78.2M
▲ +19.3% YoY
Offices
2
ROA (annualized)
0.33%
peers 1.24%
ROE (annualized)
2.82%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Millville Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +19.3% | +5.6% | +13.7 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 2.8% | 11.9% | -9.0 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1941
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 100 Albertson St, Millville, NJ, 08332
- County
- Cumberland
- Metro area
- Vineland-Bridgeton, NJ
- Offices
- 2
- FDIC cert #
- 30183
- RSSD ID
- 814476
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $169.9M | $149.2M | $78.2M | $19.8M | $278K | 0.33% | 3.10% | 0.06% |
| Q1 2026 | $168.0M | $147.6M | $69.5M | $19.5M | $126K | 0.30% | 2.98% | 0.06% |
| Q4 2025 | $167.5M | $146.8M | $69.2M | $19.7M | $648K | 0.40% | 3.06% | 0.06% |
| Q3 2025 | $163.3M | $143.3M | $69.0M | $19.3M | $480K | 0.40% | 3.04% | 0.11% |
| Q2 2025 | $161.6M | $142.7M | $65.6M | $18.2M | $319K | 0.40% | 3.03% | 0.06% |
| Q1 2025 | $160.9M | $142.3M | $63.7M | $18.0M | $129K | 0.32% | 2.94% | 0.03% |
| Q4 2024 | $159.1M | $141.1M | $64.7M | $17.3M | $941K | 0.60% | 3.02% | 0.08% |
| Q3 2024 | $157.0M | $138.3M | $61.2M | $17.9M | $592K | 0.50% | 2.90% | 0.13% |
Loan mix (Q2 2026): real estate $74.5M · commercial $0 · consumer $5.2M · securities $62.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Millville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.96% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 62.9% | 93th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Millville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Millville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Millville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Millville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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