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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Milton, PA · FDIC certificate #28637
MILTON SAVINGS BANK is an FDIC-insured institution based in Milton, PA (FDIC certificate #28637). In its Q3 2026 Call Report it reported total assets of $97M, total deposits of $75M and net loans of $71M. Its primary federal regulator is OCC.
Plain-language readout
MILTON SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $97M in Q3 2026 and were lowest at $90M in Q1 2026.
Total deposits were highest at $75M in Q3 2026 and lowest at $69M in Q1 2026.
Over the whole period total assets rose 8.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $97M | $75M | $71M | 0.17% | 1.22% | 3.18% |
| Q2 2026 | $91M | $71M | $62M | 0.25% | 1.69% | 3.19% |
| Q1 2026 | $90M | $69M | $60M | 0.12% | 0.83% | 3.09% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.3M | $3.4M | -$1.2M | -34.1% |
| Federal funds sold | $1.8M | $1.1M | +$747K | +68.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $22.1M | $22.1M | -$31K | -0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $62.0M | $60.5M | +$1.5M | +2.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $413K | $381K | +$32K | +8.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.0M | $2.1M | -$81K | -3.9% |
| Total assets | $90.6M | $89.6M | +$974K | +1.1% |
| Liabilities | ||||
| Total deposits | $71.0M | $68.6M | +$2.4M | +3.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.3M | $7.8M | -$1.5M | -19.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $248K | $371K | -$123K | -33.2% |
| Total liabilities | $77.5M | $76.7M | +$735K | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $15.3M | $15.3M | +$83K | +0.5% |
| Accumulated other comprehensive income | -$2.2M | -$2.4M | +$156K | +6.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.1M | $12.9M | +$239K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $40K | $217K | -$177K | -81.6% |
| Adjusted nonperforming assets | $40K | $217K | -$177K | -81.6% |
| Tangible equity plus allowance | $13.8M | $13.6M | +$281K | +2.1% |
| Texas ratio (gross) | 0.29% | 1.60% | -1.31 pts | See points |
| Texas ratio (adjusted) | 0.29% | 1.60% | -1.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.29% | 1.60% | -1.31 pts | See points |
| Tier 1 capital to risk-weighted assets | 31.35% | 31.96% | -0.61 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 31.35% | 31.96% | -0.61 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 32.60% | 33.21% | -0.61 pts | See points |
| Tier 1 leverage (approximate) | 16.89% | 17.09% | -0.20 pts | See points |
| Construction and land loans to total capital | 9.30% | 9.44% | -0.15 pts | See points |
| Commercial real estate to total capital | 48.49% | 41.68% | +6.81 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.36% | -19.75% | +1.40 pts | See points |
| Liquidity | ||||
| Core deposits | $59.5M | $57.8M | +$1.8M | +3.1% |
| Non-core funding | $17.7M | $18.6M | -$912K | -4.9% |
| Loans to core deposits | 105.28% | 105.87% | -0.59 pts | See points |
| Loans to deposits | 88.33% | 89.15% | -0.82 pts | See points |
| Brokered deposits share of deposits | 10.94% | 11.32% | -0.37 pts | See points |
| Pledged securities share of securities | 10.37% | 10.30% | +0.08 pts | See points |
| Loans pledged, share of loans | 88.89% | 87.31% | +1.58 pts | See points |
| Volatile liabilities | $17.7M | $18.6M | -$912K | -4.9% |
| Earnings | ||||
| Earnings before provision, year to date | $140K | $25K | +$115K | +460.0% |
| Earnings before provision, single quarter | $115K | $25K | +$90K | +360.0% |
| Provision for credit losses, year to date | $72K | $28K | +$44K | +157.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.08% | 5.89% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 0.26% | 0.00% | +0.26 pts | See points |
| Total interest income to average assets | 4.74% | 4.55% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.13% | 0.11% | +0.02 pts | See points |
| Cost of savings and money market deposits | 0.46% | 0.45% | +0.01 pts | See points |
| Cost of time deposits | 3.46% | 3.44% | +0.02 pts | See points |
| Total interest expense to average assets | 1.59% | 1.59% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $97M | $75M | $71M | 0.17% | 1.22% | 3.18% |
| 2026-06-30 | $91M | $71M | $62M | 0.25% | 1.69% | 3.19% |
| 2026-03-31 | $90M | $69M | $60M | 0.12% | 0.83% | 3.09% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $62.4M | 0.01% | 140 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.