| Metric | Milton Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +3.0% | +8.9 pts |
| Deposit growth (YoY) | +13.8% | +2.5% | +11.3 pts |
| Loan growth (YoY) | +15.9% | +2.6% | +13.3 pts |
| ROA | 0.25% | 0.99% | -0.7 pts |
| ROE | 1.7% | 8.1% | -6.4 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.6M | $71.0M | $62.0M | $13.1M | $110K | 0.25% | 3.19% | 0.04% |
| Q1 2026 | $89.6M | $68.6M | $60.5M | $12.9M | $27K | 0.12% | 3.09% | 0.24% |
| Q4 2025 | $87.5M | $65.3M | $57.9M | $13.0M | $-259K | -0.32% | 2.90% | 0.12% |
| Q3 2025 | $85.1M | $60.7M | $55.3M | $12.9M | $-242K | -0.40% | 2.86% | 0.00% |
| Q2 2025 | $80.9M | $62.4M | $53.5M | $12.3M | $-218K | -0.55% | 2.83% | 0.00% |
| Q1 2025 | $80.0M | $59.7M | $50.3M | $12.5M | $-146K | -0.74% | 2.73% | 0.00% |
| Q4 2024 | $77.2M | $57.8M | $46.2M | $12.4M | $-538K | -0.71% | 2.43% | 0.01% |
| Q3 2024 | $77.3M | $57.4M | $43.8M | $13.1M | $-417K | -0.73% | 2.38% | 0.01% |
Loan mix (Q2 2026): real estate $58.2M · commercial $3.9M · consumer $669K · securities $22.1M
| Ratio | Milton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.99% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 8.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 70.8% | 82th |
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% |
| Ratio | Milton 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% |
| Ratio | Milton 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% |
| Ratio | Milton 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% |
| Ratio | Milton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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