FDIC Cert #30183 · Millville, New Jersey · Est. 1941

Millville Savings Bank - FDIC Bank Health Profile

A community-scale look at Millville Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$167M
Total assets
B
Health grade · Good
0.40%
Return on assets
29.2%
Tier 1 capital

Data updated July 2026

The verdict

Millville Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 29.23% Tier 1, 0.40% ROA, 84% efficiency ratio.

#3,238
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
29.23%
Tier 1 ratio - above the 10% well-capitalized line
12th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 30183 · NJ B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3250/4307
  • PHOTO-FINISH Citizens Federal Sav… · KS
  • TIER1-WELL 29.2% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Citizens Federal Savings Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Millville Savings Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Boonville Federal Sa… · IN ·…67/100Citizens Federal Sav… · KS ·…67/100First Federal Saving… · IN ·…67/100Investment Savings B… · PA ·…67/100Millville Savings Bank · NJ …67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Millville Savings Bank · July 2026

What Millville Savings Bank's Call Report plate shows

Millville Savings Bank (FDIC Cert #30183) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,250 of 4,307. Tier 1 capital prints at 29.23%, clearing the 10% well-capitalized line. The Texas Ratio is 0.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $167M, 3,238th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Federal Savings Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Millville Savings Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Millville Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Millville Savings Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Millville Savings Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Millville Savings Bank's composite health score
Tier 1 Capital Ratio (29.23%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (0.48%) 20/20
Efficiency Ratio (84.49%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$167M

Total balance-sheet footings

Total Deposits

$147M

Customer-funded liabilities

Net Loans

$69M

Outstanding loan book

Net Income

$648K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 27.83% 29.23% 30.63%
Basel III capital ratios - Millville Savings Bank

Where Millville Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Millville Savings Bank's score of 67/100 falls in the highlighted band.

Millville Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Millville Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Millville Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Millville Savings Bank's $167M falls in the highlighted band.

Safety ratios for Millville Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

29.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
29.23%
Texas Ratio
0.48%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: Millville Savings Bank

Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
3.50%
Efficiency Ratio
84.49%

What these mean →

Income & expense at Millville Savings Bank

$6M
Interest Income
$349K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Millville Savings Bank reports a Texas Ratio of 0.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Millville Savings Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($167M here), outside New Jersey so the neighborhood is not state containment.

Bank of Monticello $168M · MO BEACON BUSINESS BANK $167M · CA Westmoreland Federal Savings and Loan… $167M · PA Twin River Bank $168M · ID

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Millville Savings Bank (FDIC Cert #30183) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Millville Savings Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%