Millbury National Bank
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
$146.5MAssets
$112.3MLoans
$123.4MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets operating in a single state (rank 51 of 746).
- Widest gap: equity / assets trails 72% of banks under $1B in assets operating in a single state (rank 536 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |