TellerScore

Headquartered in Millville, New Jersey, Millville Savings Bank is a si with $169.9M in total assets and $149.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1941.

Millville Savings Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 6th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 9% uninsured); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.63%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 52.4% · 9.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (83 → 81), mostly because the capital cushion component weakened by 4 points.

TellerScore
818384Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202484
Q1 202583
Q2 202583
Q3 202581
Q4 202582
Q1 202681
Q2 202681
Tier 1 leverage ratio
5.00%9.53%14.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.69%
Q3 202413.89%
Q4 202414.06%
Q1 202513.90%
Q2 202513.96%
Q3 202513.90%
Q4 202513.74%
Q1 202613.73%
Q2 202613.63%
Noncurrent loans
0.07%0.20%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.32%
Q4 20240.20%
Q1 20250.07%
Q2 20250.15%
Q3 20250.27%
Q4 20250.14%
Q1 20260.14%
Q2 20260.12%
Return on assets
0.30%0.45%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.50%
Q4 20240.60%
Q1 20250.32%
Q2 20250.40%
Q3 20250.40%
Q4 20250.40%
Q1 20260.30%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$169.9M13.63%0.12%0.33%52.4%
Q1 202681$168.0M13.73%0.14%0.30%47.1%
Q4 202582$167.5M13.74%0.14%0.40%47.1%
Q3 202581$163.3M13.90%0.27%0.40%48.2%
Q2 202583$161.6M13.96%0.15%0.40%46.0%
Q1 202583$160.9M13.90%0.07%0.32%44.7%
Q4 202484$159.1M14.06%0.20%0.60%45.8%
Q3 202482$157.0M13.89%0.32%0.50%44.2%
Q2 202482$157.9M13.69%0.34%0.56%42.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.63%
80th
Total risk-based capital27.66%
95th
Problem loans0.12%
72nd
Net charge-offs-0.01%
90th
Return on assets0.33%
8th
Net interest margin3.10%
13th
Efficiency ratio88.5%
7th
Loans to deposits52.4%
90th
Uninsured deposits9.3%
94th
Loan-loss reserves1.77%
89th
Texas ratio0.5%
77th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Schuyler Savings BankBank Kearny, NJ72 out of 100, Strong$151.2M14.1%0.36%vs
GSL Savings BankBank Guttenberg, NJ53 out of 100, Below average$151.2M7.5%0.22%vs
The First National Bank of AbseconBank Absecon, NJ70 out of 100, Strong$195.0M10.2%0.06%vs
Monroe Savings BankBank Williamstown, NJ76 out of 100, Strong$114.0M14.0%0.52%vs
Liberty Bank of New JerseyBank Verona, NJ73 out of 100, Strong$107.4M50.5%0.00%vs
The Pennsville National BankBank Pennsville, NJ66 out of 100, Moderate$281.8M10.2%1.41%vs

Deposit insurance

Is my money safe at Millville Savings Bank?

Yes. Millville Savings Bank is an FDIC-insured institution (FDIC certificate #30183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.3% of deposits ($13.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.66% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Millville Savings Bank lists 2 offices in 1 city. Most locations:

  • Millville, NJ (2)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Millville Savings Bank reported 71 home-loan applications under HMDA (LEI 5493008Z9PO9T4H9CM50): 53 originated ($11,815,000 total), 9 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Millville Savings Bank
Former names
Millville Savings and Loan Association
Type
SI
FDIC certificate #
30183
RSSD ID
814476
Primary regulator
FDIC
Established
December 1, 1941
Headquarters
100 Albertson St, Millville, NJ 08332
Employees
20

Quick answers

Millville Savings Bank: common questions

Is Millville Savings Bank FDIC insured?

Yes. Millville Savings Bank is an FDIC-insured institution (FDIC certificate #30183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Millville Savings Bank's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Millville Savings Bank ever failed?

There is no failure record for FDIC certificate #30183 in the FDIC failed bank list.

How many branches does Millville Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Millville

InstitutionScoreAssetsCapitalProblem loansCompare
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
Monroe Savings BankBank Williamstown, NJ76 out of 100, Strong$114.0M14.0%0.52%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs
Newfield National BankBank Newfield, NJ72 out of 100, Strong$889.1M10.1%0.02%vs
Franklin BankBank Pilesgrove, NJ72 out of 100, Strong$334.1M10.3%0.15%vs
Atlantic City Electric Co Emp Federal Credit UnionCredit union Mays Landing, NJ70 out of 100, Strong$62.5M14.6%1.98%vs