# MILLVILLE SAVINGS BANK
MILLVILLE, NJ · FDIC certificate 30183 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $169.9M | |
| Deposits | $149.2M | |
| Loans and leases | $79.6M | |
| Total equity | $19.8M | |
| Loans / deposits | 52.42% (p22 of band) | 73.59% |
| Liquid assets / assets | 49.35% (p77 of band) | |
| Uninsured deposits / deposits | 9.34% (p12 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.63% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -36.45% (p11 of band) | -6.57% |
| AOCI / equity | -0.97% (p28 of band) | |
| ROA (annualized) | 0.33% (p13 of band) | 1.17% |
| Net interest margin | 3.10% (p15 of band) | 3.93% |
| Efficiency ratio | 88.51% (p88 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 1427.27% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 22.17% (p56 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 | 4.6% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

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

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

- 2022-02-28 [Millville Savings Bank Announces New Directors, New Chairman - SNJ Today](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaXp3MXdqaUVyNjhzdmp5RV9udWE3cjc1ZC0tWWI2NmFrNTlsbmRQVHktaEVYMUhOTmp4bTU4SXRQZWszSkctbG5SN25ZRXlDeFhpZTVYNTFfaDBJZkxONU15eDdwLWJFekFaR0JfNTFON3UyOGpxNXRmTm4xczVjazBWM0FSTm5x?oc=5) · SNJ Today
- 2026-06-23 [NORWESCAP receives nearly $700,000 for neighborhood revitalization projects in Phillipsburg, Sussex Borough - WRNJ Radio](https://news.google.com/rss/articles/CBMixgFBVV95cUxQbWVFQXNRMURYMWw4MlJYNkdULUwzWF80Y0h2bDVjbThoRzBYeGR3elZJelh5MjdaVXc1X1lSTVNQaTk1c3pmdm1IX3lFWDd4ZmR0TXotVDN1TTlRcGNuVm5jcUltTTRMbEtXWTBHRXhuSlM5QWd2YnhEa3M0Y0EyclBMWnh3ZUhtNWE4U2RWaHktR29ZbFpkMkFPRDNBSmtTN29CLVY3TzBvdlV5YWJUejQtSkRwWGZDaG1JTTdaTFJUQy16V2c?oc=5) · WRNJ Radio
- 2026-06-24 [DCA awards $14.25M for neighborhood revitalization projects - NJBIZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxNN1ZMWEdiZWpKV1BMekVpTkI4cHpnMFRNSVpSMDVvTVJUWjgtNlJ2WlZGN3JRaFhEMVZpRlFYdTltZjFKNVMtNjBQalRiNkhabmFYM2pvaTZfc3oyOXBaZGlLYWdOYjhvcC11NjdRM1g3ZVpTeTFqaG8wRC1QeEhETg?oc=5) · NJBIZ
- 2024-02-16 [George Waltman Obituary - TheDailyJournal.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBBSTRaZzFRaXZ4QXk3RUs4aUVHQi1LRjlRX1VqY0ZBejktTEZidmZKcnpGUzdxRVFfaUZNTjlKWjB3V3lyQlFIMzVjc0FQNzFzeHUyMFpyT1NuT0lib1ljV1ZQcTM?oc=5) · TheDailyJournal.com
- 2019-05-21 [Who's News - TheDailyJournal.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSnEwell1LVpfYmo0Vjh6TUFydGU2V0NEa2FZa0d4X0RfSnk0S3owWXc1VUhMX0JESHZETTJ4alB2bzNHTllNZEZRNmRVbWpVN3Jjb0s5UXl3b25vMDBVdWNOYk9qd0xkTDVwcE5fUHpjSmVXakpRc2xBX3NRU0Y5bWk2Y29meVVxYmc?oc=5) · TheDailyJournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30183 (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/39.json (key "30183", 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