Milton Savings Bank: how it compares with its peers
Against 14 PA banks with half to twice its assets, Milton Savings Bank's strongest measure in Q2 2026 is net interest margin (3.19% vs. a 2.75% peer median). Its weakest relative measure is efficiency ratio (89.91% vs. 83.09%).
| Measure | Milton Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.25% | 0.27% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.19% | 2.75% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.91% | 83.09% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $7.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.32% | 72.06% | Context |
What it means for lending operations
Its efficiency ratio of 89.91% is above the 83.09% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- County Savings Bank Essington, PA · $90M
- Armstrong County Building and Loan Association Ford City, PA · $95M
- Port Richmond Savings Philadelphia, PA · $97M
- Investment Savings Bank Altoona, PA · $105M
- Farmers Building and Savings Bank Rochester, PA · $123M
Questions about Milton Savings Bank
How big is Milton Savings Bank?
Milton Savings Bank, established in 1920, is headquartered in Milton, PA. It reported $91M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Milton Savings Bank's return on assets?
0.25% annualized in Q2 2026, against a 0.27% median for 14 PA banks with half to twice its assets, ahead of 43% of them.
What is Milton Savings Bank's efficiency ratio?
89.91% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 83.09%, and lower is better.
Is Milton Savings Bank growing its loans?
Net loans grew 15.9% over the year to Q2 2026, while deposits grew 13.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.