# MILTON SAVINGS BANK
MILTON, PA · FDIC certificate 28637 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $90.6M | |
| Deposits | $71.0M | |
| Loans and leases | $62.7M | |
| Total equity | $13.1M | |
| Loans / deposits | 87.32% (p75 of band) | 73.59% |
| Liquid assets / assets | 28.92% (p41 of band) | |
| Uninsured deposits / deposits | 4.37% (p3 of band) | 19.81% |
| Brokered deposits | 8.57% | |
| Wholesale funding | 15.48% (p92 of band) | |
| FHLB advances / assets | 6.90% | |
| Tier 1 leverage | 16.89% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -21.47% (p21 of band) | -6.57% |
| AOCI / equity | -0.02% (p69 of band) | |
| ROA (annualized) | 0.25% (p11 of band) | 1.17% |
| Net interest margin | 3.19% (p18 of band) | 3.93% |
| Efficiency ratio | 89.91% (p89 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | 1792.50% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 11.31% (p40 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.8% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | deposits shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, assets shrinking |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 5 | capital falling, losing money, NIM <2.5%, uninsured deposits leaving |  |
| 2021-09 | 4 |  | uninsured deposits leaving |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling, losing money, NIM <2.5% |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 2 | losing money | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |
| 2023-06 | 3 | securities losses >30% of equity |  |
| 2023-09 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 4 | NIM <2.5% | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 3 |  | deposits shrinking |
| 2024-06 | 5 | capital falling, securities losses >30% of equity |  |
| 2024-09 | 4 |  | securities losses >30% of equity |
| 2024-12 | 5 | securities losses >30% of equity |  |
| 2025-03 | 3 |  | NIM <2.5%, securities losses >30% of equity |
| 2025-06 | 4 | securities losses >30% of equity |  |
| 2025-09 | 4 | wholesale funding >15% | securities losses >30% of equity |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | losing money |
| 2026-06 | 2 |  | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-02 [Milton Savings Bank names new CEO - standard-journal.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQMVlrTDByS2RYckRXVzdRLTZKeUtMcXA5N1F1YldHd0dNb1NwaWdNUURWVXo0c3J1MTNSVHZLdzM5ZzE0M29hS3NuZEpLU25FOTFCUkVUZy1sVExnVVNYelk3R3p0TVRYc0ZaRk9yM0RuRnBGelhYRlVoZzlzc2ptRGhjcFZHRG1Da2RjVE52bTNVbGxlaWkzbGhpdVF2X0FfQUJ3dENJaUN0Qm9FMlZCY2Q1anBHT2lfYnBmUWNKd2Y2NFFQamc?oc=5) · standard-journal.com
- 2021-03-16 [David F. Fetterman Obituary Mar 16, 2021 - grenoblefuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9iU2tVOXFrN0dxc1lsNEk3SC1mMGRRYWYzdmNYQzBGNWtKaXlfTjR6bURnYUdNX2pYTnI3MWd4dTBfNW1TeVBHaFgxdWp6eWU2MC1zZWVlWTQ2QlBTMS01UEtoTEVIYmR3WDZ3V2NjMA?oc=5) · grenoblefuneralhome.com
- 2024-09-30 [Emma H. Zeager Obituary (2024) - Milton, PA - Shaw Funeral Home, Inc. - Milton - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9LcGtYRE5YSjM1c2g1aFNiWE5kNWVGN3o0TDNIUERCOFBxYlMzTVIwanNqeVBibjdEdGpEVWtJOXR0dVhBeTZBcDNVR1A4WllLX3RfUGlGTks1YVdITUFfYXh3cTZuT21VdExNUExENG10WUVvMXJlYnNLVmNYcGs?oc=5) · legacy.com
- 2026-08-12 [Supporting the Boogie on Bound - standard-journal.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQQ3BwcEI4eWdVRmRxRmMzNEJhQnlKUGRuSnRaUFlIR1ZESHh5MERmYThXZjBmWURWT2lsWDVYeTUxZWkzbjJYR2hFdkRFc0dkalY3ZDRjXzhvSXpVODg5SEZDZ25DOWJwaUdXVlFNUFBJTWZPTnA5YlF5UnAzT2NsVXlqQU1XN2NBNDJKQ3dCZ0N3Yk9odVMta29HUDhRMjFyZldKbmFoeGtydmRaenZXVm8wbk1BVXgybWZGTm9zaw?oc=5) · standard-journal.com
- 2024-12-05 [Raymond F. Leeser Obituary (2024) - Milton, PA - Shaw Funeral Home, Inc. - Milton - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaHl5eHNRUTg2RWJ0a19tU0NmMVhUVDVETzJ1MW1GT3NqRENiN0JKaG5vZEtNOHdDMGZkUEdncUR5WU9IQ3RwT1Jxcm51UFFvVUJGaktsUmNybUM4bVNheE81U3NrZjlxaXV0MjFweXp5Q2kwRnJrWVo4aE1haDRyNllWZw?oc=5) · legacy.com
- 2026-04-07 [History in motion - standard-journal.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPOF8tMEtmbWZELVdDb2YzUDlTME1YSkotd192VmJGbWduemlPODFSX0hKOW8xZmhLbm1UV1dfU0wwS0lKWHA0Q1l1azBpZE5hd0E2blJ0ZHFyZzZSZlpETjFON0NURlVEZk50c1ZhRU5oNUFCUkpCa0ZtSjhOMXVoMFJMcVh0dVd2U1VkNDRQSms5a01Pa2xYa2Q2MlVCTFl4S0xhUS1tX1c2TXNDVTY5Sg?oc=5) · standard-journal.com
- 2025-02-27 [Felonies filed in alleged identity theft - standard-journal.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQdzVzQ1d1bXo1b0FTNTNtR3MzUXBJaC1rT2FQSGpydExHQ1o0VjJtSUNTN3RWQVRiU3kyNW1BUEl3WTZ0aDZ3ajZmOXpXSWZ4R3VZbnpQWG1nZzJxcTg5WDdPYzdxbzNDWTVfOC14N1pPWk15dWdYeGFQa3ctVEwtSkNLSU9XelkwbjZwN2FHR2RuM2lZeE16MmtTRDJPYjRTRHFXSXhPcmpsaVRvM0dnNVNyUWszbmJJRGJtRmdZbFM3akY5Z0lUN2pmSHV2WE0?oc=5) · standard-journal.com
- 2025-04-04 [Crash victim flown to hospital with serious injuries - standard-journal.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPbEdQWm56TWUzYUZwMVAwOUhQQ3NVNFZTTDlnWnI2Z19xUmd2THhxblZsTXVWdHdKeHl2dF9Eb3piYklqcTRHQlFrRDQ1c0EwS3ctWlZNVGFRdTZicnZTTHNaT1NXNGpmT0ZxalJwaHRoLVV0X0NNejRkVXdRVEpNdXBPUC1La19VXzM2X3lfQkU3VFlvbVh4UmxTTUhFdUp4bU8yd19lckxiaU8wdnBsbklxR0cta1ozVHZXaVV0Szl3YjNiRzBQTXl3XzhCTGhCVnBLWGFEbjdnUDhqZ2hr?oc=5) · standard-journal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28637 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "28637", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide