BlastPoint's Banking Scorecard

Millbury National Bank

$100M-$1B Specialty: Commercial MA FDIC cert 2616

Millbury, MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Millbury National Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.91% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 44.2% in tier
- NIB Deposit Bleed: Bottom 74.2% in tier
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.37% below tier average
- Efficiency Ratio 6.66% above tier average
- Delinquency Rate 1.10% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$140.8M +4.3% YoY +1.0% QoQ	-$245.3M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Bottom 11.4% in tier
Total Loans ?	$109.2M +10.0% YoY +1.9% QoQ	-$146.5M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$119.2M +5.6% YoY +5.9% QoQ	-$208.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Bottom 11.6% in tier
Return on Assets ?	0.90% +206.4% YoY +28.2% QoQ	-0.37%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	4.84% +17.4% YoY +5.1% QoQ	+0.91%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Top 9.9% in tier
Efficiency Ratio ?	71.94% -17.5% YoY -6.7% QoQ	+6.66%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	1.99% +768.3% YoY -24.1% QoQ	+1.10%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Bottom 12.6% in tier
Loan-to-Deposit Ratio ?	91.63% +4.2% YoY -3.8% QoQ	+15.00%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	18.50% -13.4% YoY -6.6% QoQ	-3.52%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	1.54% +816.5% YoY -23.4% QoQ	+0.90%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Bottom 11.1% in tier
Tier 1 Capital Ratio ?	13.60% -5.4% YoY +0.0% QoQ	-2.23%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.02% -18.5% YoY -78.8% QoQ	-0.26%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 5.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#285 of 643 • Bottom 44.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#148 of 198 • Bottom 74.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 18.50%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

264

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#264 of 2664 Top 9.9% in $100M-$1B

Top Weaknesses (7 metrics)

2520

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2520 of 2664 Bottom 5.4% in $100M-$1B

2370

Nonperforming Asset Ratio

credit_quality

Value: 1.54%

Peer Median: 0.64%

#2370 of 2664 Bottom 11.1% in $100M-$1B

2360

Total Assets

size

Value: $140.83M

Peer Median: $386.08M

#2360 of 2664 Bottom 11.4% in $100M-$1B

2357

Total Deposits

size

Value: $119.16M

Peer Median: $327.97M

#2357 of 2664 Bottom 11.6% in $100M-$1B

2320

Delinquency Rate

credit_quality

Value: 1.99%

Peer Median: 0.89%

#2320 of 2654 Bottom 12.6% in $100M-$1B

2097

Loan-to-Deposit Ratio

liquidity

Value: 91.63%

Peer Median: 76.64%

#2097 of 2664 Bottom 21.3% in $100M-$1B

2071

Total Loans

size

Value: $109.19M

Peer Median: $255.72M

#2071 of 2664 Bottom 22.3% in $100M-$1B