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 | |