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Millbury National Bank

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

Millbury, MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits +8.3% year over year ($123.4M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 0.85%.
  • Efficiency ratio 70.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

Millbury National Bank has 2 strengths but faces 4 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 0.94% above tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 51.9% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.47% below tier average
  • - Efficiency Ratio 5.69% above tier average
Get updates when Millbury National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $146.5M
+8.0% YoY +4.0% QoQ
-$240.1M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Bottom 13.1% in tier
Total Loans ? $111.7M
+14.5% YoY +2.3% QoQ
-$146.6M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $123.4M
+8.3% YoY +3.6% QoQ
-$203.3M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Bottom 13.1% in tier
Return on Assets ? 0.85%
+60.7% YoY -5.4% QoQ
-0.47% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 4.93%
+10.7% YoY +1.7% QoQ
+0.94% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Top 9.2% in tier
Efficiency Ratio ? 70.17%
-14.0% YoY -2.5% QoQ
+5.69% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.44%
-79.8% YoY -77.7% QoQ
-0.48% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 90.52%
+5.7% YoY -1.2% QoQ
+12.56% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 19.27%
-15.9% YoY +4.1% QoQ
-2.76% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.34%
-78.6% YoY -78.1% QoQ
-0.33% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 13.21%
-5.7% YoY -2.9% QoQ
-2.70% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.05%
-23.6% YoY +86.6% QoQ
-0.52% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 4.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 19.3%
-3.6pp YoY
+0.8pp QoQ
 -2.9pp 22.1% 16.2% 22.2% 41%
Brokered Deposits n/a n/a 7.9% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 3.6%
-0.5pp YoY
+0.3pp QoQ
 -8.0pp 11.6% 6.5% 12.5% 12%
CRE 40.1%
+6.3pp YoY
+1.7pp QoQ
 +0.6pp 39.5% 40.3% 41.4% 53%
1-4 Family 55.6%
-6.0pp YoY
-2.0pp QoQ
 +23.0pp 32.6% 52.4% 31.3% 87%
Consumer 0.9%
0.0pp YoY
0.0pp QoQ
 -3.2pp 4.1% 1.6% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 13.2%
-0.8pp YoY
-0.4pp QoQ
 -5.6pp 18.8% 16.6% 19.7% 31%
Leverage Ratio 9.5%
+0.3pp YoY
+0.1pp QoQ
 -2.7pp 12.2% 11.5% 12.6% 21%
Total Capital Ratio 13.8%
-0.9pp YoY
-0.4pp QoQ
 -6.1pp 19.9% 17.5% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 24
+1 (+4.3%) YoY
+2 (+9.1%) QoQ
 -35 58 755 482 17%
Assets per Employee ($) $6.1M
+3.5% YoY
-4.6% QoQ
 -$1.4M $7.5M $10.7M $8.8M 36%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.3pp QoQ
 -0.1pp 0.3% 0.1% 0.4% 70%
Nonaccrual 0.2%
-2.0pp YoY
-1.2pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 30%
Allowance Coverage 1.21x
+330.2% YoY
+336.2% QoQ
 -22.94x 24.15x 7.95x 20.23x 32%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 9.2%
+3.1pp YoY
-0.5pp QoQ
 -3.0pp 12.2% 5.6% 11.6% 32%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 2.0% 1.7% 84%
Net Income ($, YTD) $603,000
+69.9% YoY
— QoQ
 -$2.0M $2.6M $31.7M $40.4M 13%

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 (1)

NIB Deposit Bleed

decline
#85 of 162 • Bottom 51.9% 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: 19.27%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

244
Net Interest Margin
profitability
Value: 4.93%
Peer Median: 3.99%
#244 of 2643 Top 9.2% in $100M-$1B

Top Weaknesses (4 metrics)

2514
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2514 of 2643 Bottom 4.9% in $100M-$1B
2299
Total Assets
size
Value: $146.51M
Peer Median: $386.57M
#2299 of 2643 Bottom 13.1% in $100M-$1B
2297
Total Deposits
size
Value: $123.41M
Peer Median: $326.73M
#2297 of 2643 Bottom 13.1% in $100M-$1B
2047
Total Loans
size
Value: $111.71M
Peer Median: $258.35M
#2047 of 2643 Bottom 22.6% in $100M-$1B
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