| Metric | Bank of Millbrook | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +8.3% | +4.0% | +4.4 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 2.23% | 1.24% | +1.0 pts |
| ROE | 18.4% | 11.9% | +6.5 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $311.7M | $269.8M | $135.7M | $39.0M | $3.5M | 2.23% | 4.61% | 0.78% |
| Q1 2026 | $322.4M | $281.5M | $131.8M | $38.5M | $1.9M | 2.46% | 4.49% | 0.34% |
| Q4 2025 | $308.5M | $268.5M | $133.9M | $37.1M | $5.4M | 1.84% | 4.36% | 0.52% |
| Q3 2025 | $306.8M | $268.4M | $130.3M | $36.7M | $3.9M | 1.79% | 4.28% | 0.44% |
| Q2 2025 | $285.0M | $249.0M | $132.0M | $34.1M | $2.6M | 1.86% | 4.29% | 0.38% |
| Q1 2025 | $284.1M | $249.9M | $128.4M | $32.8M | $1.2M | 1.75% | 4.18% | 0.27% |
| Q4 2024 | $277.5M | $245.1M | $121.6M | $30.5M | $4.4M | 1.53% | 3.87% | 0.21% |
| Q3 2024 | $297.9M | $264.9M | $117.2M | $31.6M | $3.2M | 1.44% | 3.75% | 0.28% |
Loan mix (Q2 2026): real estate $125.3M · commercial $7.6M · consumer $4.5M · securities $109.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Millbrook | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 62.9% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Millbrook | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Millbrook | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Millbrook | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Millbrook | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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