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Millyard Bank, The

Nashua, NH · Cert 59176

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Millyard Bank, The

Nashua, NH · Cert 59176

State charter, non-member · FDIC · 2 branches

Q2 2026

$333.2MAssets
$263.6MLoans
$276.2MDeposits
$30.6MEquity
Loan mix
88%RE $221.0M12%C&I $31.2M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $238.9M13%Noninterest $37.3MQ3 2024Q2 2026

Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 1.8% share · #10 of 24 inst. · $0.3B of $15.4B

Executive Summary

  • Earnings: ROA of 0.64%, up 48 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.85% of loans (+85 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.70%, down 149 bps from a year ago.
  • Funding: loans stand at 95.43% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%+48 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+32 bps YoY

Efficiency Ratio (YTD, annualized)

68.52%-1,444 bps YoY

Tier 1 Leverage Ratio

9.70%-149 bps YoY

NIM

5.14%Q2 ’245.18%Q2 ’255.57%Q2 ’26+12%+12%

Non-interest income vs. expense

2.38%Q2 ’242.25%Q2 ’252.06%Q2 ’26-6%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.11%0.20%0.17%0.27%0.38%0.63%0.64%+48 bps
Return on Equity0.42%1.00%1.77%1.56%2.60%3.67%6.37%6.69%+513 bps
Net Interest Margin2.37%2.50%2.72%2.60%2.48%2.55%3.00%2.92%+32 bps
Efficiency Ratio95.35%90.88%85.23%82.97%79.31%74.03%70.28%68.52%-1,444 bps
Non-Interest Burden2.26%2.27%2.31%2.15%1.95%1.87%2.09%1.98%-17 bps
Growth
Asset Growth (YoY)4.10%-0.28%14.24%21.52%33.91%22.35%23.17%19.42%-210 bps
Loan Growth (YoY)15.96%18.93%24.32%25.19%32.88%32.28%31.12%25.79%+59 bps
Deposit Growth (YoY)2.39%-0.46%11.68%20.55%32.40%24.01%27.87%20.55%0 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.36%0.85%+85 bps
Net Charge-Offs / Loans-0.03%-0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.94%0.93%0.95%0.94%0.96%0.95%0.95%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a2.7x1.1xn/a
Capital
Tier 1 Leverage Ratio11.89%12.23%11.45%11.19%10.22%10.10%10.00%9.70%-149 bps
Total Risk-Based Capital11.89%12.23%11.45%11.19%10.22%10.10%10.00%9.70%-149 bps
Equity / Assets11.85%11.47%10.81%10.25%9.51%10.18%9.62%9.18%-107 bps
Liquidity & Funding
Loans / Deposits87.79%91.79%94.84%91.47%88.11%97.91%97.26%95.43%+397 bps
Liquid Assets / Assets18.35%18.55%17.18%20.52%20.33%11.73%12.57%14.90%-561 bps
CRE / Total Capitaln/an/an/an/a532%562%577%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Millyard Bank, The

Nashua, NH · Cert 59176 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$333.2MAssets
$263.6MLoans
$276.2MDeposits
$30.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 69% of banks under $1B in assets (rank 182 of 581).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets (rank 580 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.60%

Rank 472 of 629

Net Interest Margin

2.92%

Rank 495 of 629

Efficiency Ratio

68.52%

Rank 328 of 629

Equity / Assets

9.18%

Rank 460 of 629

Non-interest income vs. expense

$0.3M$6.6MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 48% of banks under $1B in assets
Bank 68.52%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.60%0.60%1.01%1.45%Beats 25%472 / 629
Return on Equity6.58%5.38%9.30%13.28%Beats 31%436 / 629
Net Interest Margin2.92%3.03%3.54%4.05%Beats 21%495 / 629
Efficiency Ratio68.52%58.35%67.79%79.08%Beats 48%328 / 629
Asset Quality
Nonperforming Loans / Loans0.85%0.09%0.46%1.20%Beats 34%384 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 69%182 / 581
Capital
Tier 1 Capital Ratio9.70%11.24%13.84%18.77%Beats 8%578 / 629
Total Risk-Based Capital Ratio9.70%11.58%14.43%19.66%Beats 8%580 / 629
Equity / Assets9.18%9.09%10.65%13.80%Beats 27%460 / 629
Liquidity & Funding
Loans / Deposits95.43%67.24%80.90%93.48%79th pctl123 / 594
Loans / Assets79.11%53.31%67.71%78.15%79th pctl133 / 629
Brokered Deposits / Depositsn/aNot reported for this institution