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Bank of Millbrook

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

Millbrook, NY

5 branches across NY

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 48 in NY.
  • Deposits +8.3% year over year ($269.8M on the books).
  • Delinquency rate 1.80%.
  • Return on assets 2.23%.
  • Efficiency ratio 49.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 50.30% 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 48 in NY
View $100M-$1B leaderboard (NY) →

Bank of Millbrook has 4 strengths but faces 1 concern

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 22.4% in tier
  • + Revenue Diversifier: Top 25.1% in tier
  • + Deposit Franchise: Top 37.8% in tier
  • + Efficiency Ratio 14.67% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.88% above tier average
Get updates when Bank of Millbrook releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $311.7M
+9.3% YoY -3.3% QoQ
-$74.9M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $135.7M
+2.8% YoY +3.0% QoQ
-$122.6M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $269.8M
+8.3% YoY -4.1% QoQ
-$56.9M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 2.23%
+20.2% YoY -9.3% QoQ
+0.91% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Top 8.1% in tier
Net Interest Margin ? 4.61%
+7.6% YoY +2.7% QoQ
+0.63% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 49.81%
+0.9% YoY +0.7% QoQ
-14.67% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 1.80%
+118.6% YoY +116.7% QoQ
+0.88% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Bottom 14.8% in tier
Loan-to-Deposit Ratio ? 50.30%
-5.1% YoY +7.5% QoQ
-27.65% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 8.5% in tier
Non-Interest-Bearing Deposit Share ? 51.37%
+4.0% YoY +0.7% QoQ
+29.34% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 1.4% in tier
Nonperforming Asset Ratio ? 0.78%
+105.6% YoY +130.8% QoQ
+0.11% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 24.32%
+11.6% YoY -3.7% QoQ
+8.41% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 7.6% in tier
Non-Interest Income / Assets ? 0.47%
-1.0% YoY +85.2% QoQ
-0.10% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Top 10.6% 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 (NY) National Avg Tier Percentile
Noninterest-Bearing 51.4%
+2.0pp YoY
+0.3pp QoQ
 +29.2pp 22.1% 22.1% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 5.6%
+0.6pp YoY
0.0pp QoQ
 -5.9pp 11.6% 11.0% 12.5% 24%
CRE n/a n/a 39.5% 46.2% 41.4% n/a
1-4 Family 59.4%
+2.1pp YoY
+1.9pp QoQ
 +26.8pp 32.6% 36.6% 31.3% 90%
Consumer 3.3%
-1.0pp YoY
+0.2pp QoQ
 -0.8pp 4.1% 5.1% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 24.3%
+2.5pp YoY
-0.9pp QoQ
 +5.5pp 18.8% 26.1% 19.7% 88%
Leverage Ratio 12.1%
+0.4pp YoY
+0.5pp QoQ
 -0.1pp 12.2% 13.9% 12.6% 66%
Total Capital Ratio 25.6%
+2.5pp YoY
-0.9pp QoQ
 +5.6pp 19.9% 27.2% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 44
+1 (+2.3%) YoY
0 QoQ
 -15 58 914 482 46%
Assets per Employee ($) $7.1M
+6.9% YoY
-3.3% QoQ
 -$435K $7.5M $14.8M $8.8M 54%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 0 4 27 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.9pp YoY
+0.5pp QoQ
 +0.9pp 0.3% 0.1% 0.4% 93%
Nonaccrual 0.6%
+0.1pp YoY
+0.4pp QoQ
 -0.3pp 0.9% 1.3% 1.0% 59%
Allowance Coverage 1.08x
-50.8% YoY
-54.1% QoQ
 -23.07x 24.15x 1.92x 20.23x 29%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 18.4%
+2.2pp YoY
-2.2pp QoQ
 +6.2pp 12.2% 7.9% 11.6% 83%
Cost of Funds (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -1.6pp 1.7% 1.8% 1.7% 0%
Net Income ($, YTD) $3.5M
+33.9% YoY
— QoQ
 +$955K $2.6M $111.2M $40.4M 76%

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
#149 of 661 • Top 22.4% in tier

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

Why this signature
Return on Assets: 2.23%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#167 of 661 • Top 25.1% 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: 0.47%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.23%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#106 of 278 • Top 37.8% 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: 51.37%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.61%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

37
Non-Interest-Bearing Deposit Share
funding
Value: 51.37%
Peer Median: 22.03%
#37 of 2643 Top 1.4% in $100M-$1B
201
Tier 1 Capital Ratio
capital
Value: 24.32%
Peer Median: 15.91%
#201 of 2643 Top 7.6% in $100M-$1B
215
Return on Assets
profitability
Value: 2.23%
Peer Median: 1.32%
#215 of 2643 Top 8.1% in $100M-$1B
225
Loan-to-Deposit Ratio
liquidity
Value: 50.30%
Peer Median: 77.95%
#225 of 2643 Top 8.5% in $100M-$1B
281
Non-Interest Income / Assets
revenue_mix
Value: 0.47%
Peer Median: 0.57%
#281 of 2643 Top 10.6% in $100M-$1B
435
Efficiency Ratio
profitability
Value: 49.81%
Peer Median: 64.48%
#435 of 2643 Top 16.4% in $100M-$1B
452
Net Interest Margin
profitability
Value: 4.61%
Peer Median: 3.99%
#452 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (1 metrics)

2244
Delinquency Rate
credit_quality
Value: 1.80%
Peer Median: 0.92%
#2244 of 2633 Bottom 14.8% in $100M-$1B
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