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
Unfavorable gap of $5.4M · efficiency ratio beats 89% 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 | 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 |