BlastPoint's Banking Scorecard
The Millyard Bank
Nashua, NH
2 branches across NH
The Millyard Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 10.6% in tier
- - Credit Quality Pressure: Bottom 44.0% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.64% below tier average
- - Net Interest Margin 0.77% below tier average
- - Efficiency Ratio 5.00% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.4M
+23.2% YoY
+7.6% QoQ
|
-$73.7M |
$386.1M
+0.5% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$251.1M
+31.1% YoY
+6.0% QoQ
|
-$4.6M |
$255.7M
+1.1% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$260.7M
+27.9% YoY
+6.7% QoQ
|
-$67.3M |
$328.0M
+0.1% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
0.63%
+219.8% YoY
+65.4% QoQ
|
-0.64% |
1.27%
+12.9% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
3.16%
+12.8% YoY
+9.4% QoQ
|
-0.77% |
3.93%
+6.0% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
70.28%
-17.5% YoY
-5.1% QoQ
|
+5.00% |
65.29%
-4.5% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? | 0.36% | -0.53% |
0.89%
+18.8% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
96.33%
+2.5% YoY
-0.7% QoQ
|
+19.69% |
76.64%
+0.8% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.92%
-40.2% YoY
-13.1% QoQ
|
-9.10% |
22.02%
-1.0% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? | 0.29% | -0.35% |
0.64%
+19.7% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
10.00%
-12.7% YoY
-1.0% QoQ
|
-5.83% |
15.83%
+1.5% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.6% in tier |
| Non-Interest Income / Assets ? |
0.02%
-10.7% YoY
-82.7% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.5% in tier |
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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 (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.