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Bank of Millbrook

$100M-$1B Specialty: Other NY FDIC cert 618

Millbrook, NY

5 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY
View $100M-$1B leaderboard (NY) →

Bank of Millbrook has 5 strengths but faces 2 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

  • + Profitability Leader: Top 8.3% in tier
  • + Revenue Diversifier: Top 17.0% in tier
  • + Deposit Franchise: Top 43.4% in tier
  • + Efficiency Ratio 15.83% below tier average
  • + Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.5% in tier
  • - Credit Quality Pressure: Bottom 45.6% in tier
Get updates when Bank of Millbrook releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $322.4M
+13.5% YoY +4.5% QoQ
-$63.7M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
50%
Total Loans ? $131.8M
+2.6% YoY -1.6% QoQ
-$124.0M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
30%
Total Deposits ? $281.5M
+12.6% YoY +4.8% QoQ
-$46.5M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
51%
Return on Assets ? 2.46%
+40.9% YoY +34.2% QoQ
+1.19% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
Top 5.1% in tier
Net Interest Margin ? 4.49%
+7.4% YoY +3.0% QoQ
+0.56% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
82%
Efficiency Ratio ? 49.46%
-2.7% YoY -3.7% QoQ
-15.83% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
Top 15.0% in tier
Delinquency Rate ? 0.83%
+36.4% YoY -30.5% QoQ
-0.06% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
33%
Loan-to-Deposit Ratio ? 46.81%
-8.9% YoY -6.1% QoQ
-29.83% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
Top 7.3% in tier
Non-Interest-Bearing Deposit Share ? 51.03%
+3.7% YoY +3.3% QoQ
+29.01% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
Top 1.4% in tier
Nonperforming Asset Ratio ? 0.34%
+23.3% YoY -34.6% QoQ
-0.30% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
47%
Tier 1 Capital Ratio ? 25.26%
-1.3% YoY +7.9% QoQ
+9.43% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
Top 6.3% in tier
Non-Interest Income / Assets ? 0.25%
+10.7% YoY -71.8% QoQ
-0.03% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
Top 9.1% in tier

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 (3)

Profitability Leader

growth
#56 of 666 • Top 8.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.46%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#114 of 666 • Top 17.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.25%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.46%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#119 of 272 • Top 43.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 51.03%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.49%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#113 of 973 • Bottom 11.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#597 of 1308 • Bottom 45.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.83%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

39
Non-Interest-Bearing Deposit Share
funding
Value: 51.03%
Peer Median: 22.02%
#39 of 2664 Top 1.4% in $100M-$1B
137
Return on Assets
profitability
Value: 2.46%
Peer Median: 1.27%
#137 of 2664 Top 5.1% in $100M-$1B
169
Tier 1 Capital Ratio
capital
Value: 25.26%
Peer Median: 15.83%
#169 of 2664 Top 6.3% in $100M-$1B
195
Loan-to-Deposit Ratio
liquidity
Value: 46.81%
Peer Median: 76.64%
#195 of 2664 Top 7.3% in $100M-$1B
243
Non-Interest Income / Assets
revenue_mix
Value: 0.25%
Peer Median: 0.28%
#243 of 2664 Top 9.1% in $100M-$1B
400
Efficiency Ratio
profitability
Value: 49.46%
Peer Median: 65.29%
#400 of 2664 Top 15.0% in $100M-$1B
488
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.93%
#488 of 2664 Top 18.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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