BlastPoint's Banking Scorecard
The Millyard Bank
Nashua, NH
2 branches across NH
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 11 in NH.
- Deposits +20.6% year over year ($276.2M on the books).
- Delinquency rate 0.86%.
- Return on assets 0.64%.
- Efficiency ratio 68.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.53% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Millyard Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.68% below tier average
- - Net Interest Margin 0.87% below tier average
- - Efficiency Ratio 4.04% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$333.2M
+19.4% YoY
+6.6% QoQ
|
-$53.4M |
$386.6M
+1.2% YoY
|
$985.9M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$261.1M
+25.8% YoY
+4.0% QoQ
|
+$2.7M |
$258.3M
+1.7% YoY
|
$784.0M
+4.1% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$276.2M
+20.6% YoY
+6.0% QoQ
|
-$50.5M |
$326.7M
+0.7% YoY
|
$821.8M
+4.3% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.64%
+283.1% YoY
+2.3% QoQ
|
-0.68% |
1.32%
+10.8% YoY
|
2.60%
+26.0% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.12%
+13.6% YoY
-1.4% QoQ
|
-0.87% |
3.99%
+5.0% YoY
|
3.32%
+9.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio ? |
68.52%
-17.4% YoY
-2.5% QoQ
|
+4.04% |
64.48%
-3.2% YoY
|
72.35%
-12.1% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.86%
+139.7% QoQ
|
-0.06% |
0.92%
+15.7% YoY
|
0.71%
+32.8% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
94.53%
+4.3% YoY
-1.9% QoQ
|
+16.58% |
77.95%
+1.0% YoY
|
86.43%
-0.1% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
13.49%
-8.5% YoY
+4.4% QoQ
|
-8.54% |
22.03%
-0.6% YoY
|
14.23%
-1.6% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.67%
+133.7% QoQ
|
+0.01% |
0.67%
+16.4% YoY
|
0.64%
+37.8% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
9.70%
-13.3% YoY
-2.9% QoQ
|
-6.21% |
15.91%
+1.4% YoY
|
18.41%
-3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.2% in tier |
| Non-Interest Income / Assets ? |
0.04%
-21.3% YoY
+113.1% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
2.02%
+14.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.5%
-1.3pp YoY +0.6pp QoQ |
-8.7pp | 22.1% | 15.1% | 22.2% | 19% |
| Brokered Deposits |
11.8%
-3.5pp YoY +0.2pp QoQ |
+3.9pp | 7.9% | 8.0% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.7%
+2.2pp YoY +3.3pp QoQ |
+4.2pp | 11.6% | 10.5% | 12.5% | 78% |
| CRE |
67.7%
-0.2pp YoY -2.9pp QoQ |
+28.1pp | 39.5% | 41.5% | 41.4% | 91% |
| 1-4 Family |
17.1%
-1.9pp YoY -0.4pp QoQ |
-15.5pp | 32.6% | 44.6% | 31.3% | 24% |
| Consumer | n/a | n/a | 4.1% | 4.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.5% | 19.7% | n/a |
| Leverage Ratio |
9.7%
-1.5pp YoY -0.3pp QoQ |
-2.5pp | 12.2% | 16.7% | 12.6% | 25% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+2 (+7.1%) YoY -2 (-6.2%) QoQ |
-29 | 58 | 117 | 482 | 26% |
| Assets per Employee ($) |
$11.1M
+11.5% YoY +13.8% QoQ |
+$3.6M | $7.5M | $8.6M | $8.8M | 90% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.5pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 68% |
| Allowance Coverage |
1.11x
-58.5% QoQ |
-23.04x | 24.15x | 5.03x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.7%
+5.1pp YoY +0.3pp QoQ |
-5.5pp | 12.2% | 7.7% | 11.6% | 20% |
| Cost of Funds (YTD) |
2.8%
+0.1pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.7% | 1.7% | 96% |
| Net Income ($, YTD) |
$1.0M
+365.7% YoY — QoQ |
-$1.5M | $2.6M | $4.7M | $40.4M | 27% |
Get Full Access to The Millyard Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.