Millbrook, NY · Cert 618 · Millbrook Bank System Inc.
State charter, Fed member · FED · 5 branches
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 (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.
Capital
78
Asset Quality
58
Profitability
89
Liquidity
9
Efficiency
89
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.
Millbrook, NY · Cert 618 · Millbrook Bank System Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 1.4% share · #16 of 26 inst. · $0.3B of $19.5B
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 | 1.44% | 1.53% | 1.75% | 1.86% | 1.79% | 1.84% | 2.46% | 2.23% | +38 bps | |
| Return on Equity | 15.08% | 15.51% | 15.51% | 16.15% | 15.39% | 15.67% | 20.56% | 18.38% | +224 bps | |
| Net Interest Margin | 3.67% | 3.72% | 3.94% | 4.05% | 4.06% | 3.89% | 4.18% | 4.31% | +27 bps | |
| Efficiency Ratio | 56.20% | 55.63% | 50.83% | 49.36% | 50.57% | 51.35% | 49.46% | 49.81% | +44 bps | |
| Non-Interest Burden | 1.67% | 1.66% | 1.54% | 1.51% | 1.58% | 1.56% | 1.55% | 1.68% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | -2.92% | -3.18% | -0.80% | 2.96% | 11.15% | 13.48% | 9.35% | +1,015 bps | |
| Loan Growth (YoY) | 7.11% | 10.19% | 14.56% | 13.64% | 10.92% | 10.05% | 2.75% | 2.96% | -1,069 bps | |
| Deposit Growth (YoY) | -2.84% | -5.28% | -5.77% | -3.40% | 1.31% | 9.54% | 12.64% | 8.34% | +1,174 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.47% | 0.60% | 0.81% | 1.03% | 1.17% | 0.81% | 1.76% | +96 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.03% | -0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 2.04% | 1.89% | 1.81% | 1.78% | 1.83% | 1.85% | 1.92% | 1.91% | +13 bps | |
| Allowance Coverage of NPLs | 2.9x | 4.0x | 3.0x | 2.2x | 1.8x | 1.6x | 2.4x | 1.1x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.80% | 11.34% | 11.69% | 11.99% | 11.46% | 11.62% | 12.11% | +43 bps | |
| Total Risk-Based Capital | 25.31% | 23.31% | 26.84% | 23.04% | 24.96% | 24.67% | 26.52% | 25.58% | +253 bps | |
| Equity / Assets | 10.59% | 10.99% | 11.54% | 11.98% | 11.96% | 12.02% | 11.94% | 12.51% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.16% | 50.56% | 52.32% | 53.96% | 49.44% | 50.79% | 47.73% | 51.28% | -268 bps | |
| Liquid Assets / Assets | 21.03% | 13.92% | 14.53% | 13.01% | 18.74% | 15.90% | 18.34% | 15.70% | +269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.85% | 110.92% | 104.19% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.25% | 0.60% | 1.01% | 1.45% | Beats 91% | 59 / 629 | ||
| Return on Equity | 18.00% | 5.38% | 9.30% | 13.28% | Beats 91% | 59 / 629 | ||
| Net Interest Margin | 4.31% | 3.03% | 3.54% | 4.05% | Beats 85% | 97 / 629 | ||
| Efficiency Ratio | 49.81% | 58.35% | 67.79% | 79.08% | Beats 89% | 73 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.76% | 0.09% | 0.46% | 1.20% | Beats 15% | 495 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.32% | 11.24% | 13.84% | 18.77% | Beats 83% | 107 / 629 | ||
| Total Risk-Based Capital Ratio | 25.58% | 11.58% | 14.43% | 19.66% | Beats 83% | 105 / 629 | ||
| Equity / Assets | 12.51% | 9.09% | 10.65% | 13.80% | Beats 68% | 204 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.28% | 67.24% | 80.90% | 93.48% | 11th pctl | 530 / 594 | ||
| Loans / Assets | 44.39% | 53.31% | 67.71% | 78.15% | 16th pctl | 526 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||