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Bank of Millbrook

Millbrook, NY · Cert 618 · Millbrook Bank System Inc.

State charter, Fed member · FED · 5 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

89

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

Bank of Millbrook

Millbrook, NY · Cert 618 · Millbrook Bank System Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$311.7MAssets
$138.3MLoans
$269.8MDeposits
$39.0MEquity
Loan mix
91%RE $122.0M6%C&I $7.4M3%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
49%Interest-bearing $131.2M51%Noninterest $138.6MQ2 2025Q2 2026

NIM

3.66%Q2 ’244.17%Q2 ’254.43%Q2 ’26+15%+7%

Non-interest income vs. expense

2.47%Q2 ’242.45%Q2 ’252.59%Q2 ’26-9%+11%

Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 1.4% share · #16 of 26 inst. · $0.3B of $19.5B

Executive Summary

  • Earnings: ROA of 2.23%, up 38 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 1.76% of loans (+96 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.11%, up 43 bps from a year ago.
  • Funding: loans stand at 51.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.23%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+27 bps YoY

Efficiency Ratio (YTD, annualized)

49.81%+44 bps YoY

Tier 1 Leverage Ratio

12.11%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.79%1.84%2.46%2.23%+38 bps
Return on Equity16.15%15.39%15.67%20.56%18.38%+224 bps
Net Interest Margin4.05%4.06%3.89%4.18%4.31%+27 bps
Efficiency Ratio49.36%50.57%51.35%49.46%49.81%+44 bps
Non-Interest Burden1.51%1.58%1.56%1.55%1.68%+17 bps
Growth
Asset Growth (YoY)-0.80%2.96%11.15%13.48%9.35%+1,015 bps
Loan Growth (YoY)13.64%10.92%10.05%2.75%2.96%-1,069 bps
Deposit Growth (YoY)-3.40%1.31%9.54%12.64%8.34%+1,174 bps
Asset Quality
Nonperforming Loans / Loans0.81%1.03%1.17%0.81%1.76%+96 bps
Net Charge-Offs / Loans0.01%0.01%0.03%-0.02%-0.01%-2 bps
Allowance / Loans1.78%1.83%1.85%1.92%1.91%+13 bps
Allowance Coverage of NPLs2.2x1.8x1.6x2.4x1.1x-1.1x
Capital
Tier 1 Leverage Ratio11.69%11.99%11.46%11.62%12.11%+43 bps
Total Risk-Based Capital23.04%24.96%24.67%26.52%25.58%+253 bps
Equity / Assets11.98%11.96%12.02%11.94%12.51%+53 bps
Liquidity & Funding
Loans / Deposits53.96%49.44%50.79%47.73%51.28%-268 bps
Liquid Assets / Assets13.01%18.74%15.90%18.34%15.70%+269 bps
CRE / Total Capitaln/a109.85%110.92%104.19%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

Bank of Millbrook

Millbrook, NY · Cert 618 · Peer group: banks under $1B in assets (n=581-629) · Millbrook Bank System Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$311.7MAssets
$138.3MLoans
$269.8MDeposits
$39.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets (rank 495 of 581).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.25%

Rank 59 of 629

Net Interest Margin

4.31%

Rank 97 of 629

Efficiency Ratio

49.81%

Rank 73 of 629

Equity / Assets

12.51%

Rank 204 of 629

Non-interest income vs. expense

$2.9M$8.3MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 89% of banks under $1B in assets
Bank 49.81%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.25%0.60%1.01%1.45%Beats 91%59 / 629
Return on Equity18.00%5.38%9.30%13.28%Beats 91%59 / 629
Net Interest Margin4.31%3.03%3.54%4.05%Beats 85%97 / 629
Efficiency Ratio49.81%58.35%67.79%79.08%Beats 89%73 / 629
Asset Quality
Nonperforming Loans / Loans1.76%0.09%0.46%1.20%Beats 15%495 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio24.32%11.24%13.84%18.77%Beats 83%107 / 629
Total Risk-Based Capital Ratio25.58%11.58%14.43%19.66%Beats 83%105 / 629
Equity / Assets12.51%9.09%10.65%13.80%Beats 68%204 / 629
Liquidity & Funding
Loans / Deposits51.28%67.24%80.90%93.48%11th pctl530 / 594
Loans / Assets44.39%53.31%67.71%78.15%16th pctl526 / 629
Brokered Deposits / Depositsn/aNot reported for this institution