Millbury, MA · Cert 2616
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
51
Profitability
55
Liquidity
42
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Millbury, MA · Cert 2616
National charter · OCC · 1 branch
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 0.5% share · #25 of 26 inst. · $0.1B of $22.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.38% | 0.29% | 0.53% | 0.60% | 0.70% | 0.90% | 0.85% | +32 bps | |
| Return on Equity | 3.79% | 4.37% | 3.40% | 6.06% | 6.83% | 7.88% | 9.64% | 9.17% | +311 bps | |
| Net Interest Margin | 3.69% | 3.75% | 3.99% | 4.29% | 4.32% | 4.31% | 4.69% | 4.77% | +47 bps | |
| Efficiency Ratio | 88.14% | 86.61% | 87.24% | 81.59% | 79.72% | 77.12% | 71.94% | 70.17% | -1,143 bps | |
| Non-Interest Burden | 3.24% | 3.23% | 3.47% | 3.48% | 3.42% | 3.30% | 3.34% | 3.32% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.32% | 11.28% | 6.87% | 6.77% | 5.56% | 4.90% | 4.25% | 8.01% | +124 bps | |
| Loan Growth (YoY) | 19.80% | 14.88% | 8.21% | 2.35% | 7.16% | 8.57% | 9.98% | 14.43% | +1,208 bps | |
| Deposit Growth (YoY) | 6.70% | 8.47% | 9.79% | 8.30% | 7.56% | 6.03% | 5.60% | 8.35% | +5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.23% | 2.18% | 1.78% | 2.60% | 1.98% | 0.44% | -174 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.00% | 0.01% | 0.01% | 0.01% | 0.03% | 0.02% | +1 bps | |
| Allowance / Loans | 0.59% | 0.59% | 0.60% | 0.61% | 0.58% | 0.57% | 0.55% | 0.53% | -8 bps | |
| Allowance Coverage of NPLs | n/a | 30.9x | 2.6x | 0.3x | 0.3x | 0.2x | 0.3x | 1.2x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.15% | 9.29% | 9.13% | 9.24% | 9.27% | 9.22% | 9.46% | 9.51% | +26 bps | |
| Total Risk-Based Capital | 13.80% | 14.54% | 15.09% | 14.70% | 14.32% | 14.24% | 14.23% | 13.81% | -89 bps | |
| Equity / Assets | 8.55% | 8.59% | 8.65% | 8.91% | 8.88% | 9.30% | 9.30% | 9.14% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.77% | 93.51% | 88.47% | 86.16% | 93.43% | 95.75% | 92.14% | 91.00% | +484 bps | |
| Liquid Assets / Assets | 5.63% | 5.51% | 6.13% | 7.66% | 4.62% | 4.67% | 5.09% | 5.44% | -222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 310% | 320% | n/a | n/a | |
Millbury, MA · Cert 2616 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 1 branch
Q2 2026
Return on Assets
0.82%
Rank 506 of 746
Net Interest Margin
4.77%
Rank 51 of 746
Efficiency Ratio
70.17%
Rank 473 of 746
Equity / Assets
9.14%
Rank 536 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.72% | 1.06% | 1.45% | Beats 32% | 506 / 746 | ||
| Return on Equity | 9.00% | 6.74% | 10.51% | 13.63% | Beats 40% | 446 / 746 | ||
| Net Interest Margin | 4.77% | 3.17% | 3.68% | 4.16% | Beats 93% | 51 / 746 | ||
| Efficiency Ratio | 70.17% | 55.74% | 64.58% | 75.47% | Beats 37% | 473 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.42% | 1.07% | Beats 49% | 381 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 52% | 358 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.21% | 11.55% | 13.75% | 17.60% | Beats 44% | 416 / 746 | ||
| Total Risk-Based Capital Ratio | 13.81% | 11.71% | 14.33% | 18.43% | Beats 45% | 413 / 746 | ||
| Equity / Assets | 9.14% | 8.90% | 10.51% | 13.06% | Beats 28% | 536 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.00% | 61.31% | 78.27% | 90.78% | 76th pctl | 182 / 746 | ||
| Loans / Assets | 76.66% | 53.60% | 66.97% | 76.08% | 77th pctl | 172 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||