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
Unfavorable gap of $6.4M · efficiency ratio beats 48% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 1.01% | 1.45% | Beats 25% | 472 / 629 | | |
| Return on Equity | 6.58% | 5.38% | 9.30% | 13.28% | Beats 31% | 436 / 629 | | |
| Net Interest Margin | 2.92% | 3.03% | 3.54% | 4.05% | Beats 21% | 495 / 629 | | |
| Efficiency Ratio | 68.52% | 58.35% | 67.79% | 79.08% | Beats 48% | 328 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.09% | 0.46% | 1.20% | Beats 34% | 384 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 69% | 182 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.70% | 11.24% | 13.84% | 18.77% | Beats 8% | 578 / 629 | | |
| Total Risk-Based Capital Ratio | 9.70% | 11.58% | 14.43% | 19.66% | Beats 8% | 580 / 629 | | |
| Equity / Assets | 9.18% | 9.09% | 10.65% | 13.80% | Beats 27% | 460 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.43% | 67.24% | 80.90% | 93.48% | 79th pctl | 123 / 594 | | |
| Loans / Assets | 79.11% | 53.31% | 67.71% | 78.15% | 79th pctl | 133 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |