| Metric | Millbury National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +8.3% | +4.0% | +4.4 pts |
| Loan growth (YoY) | +14.5% | +5.6% | +8.9 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.5M | $123.4M | $111.7M | $13.4M | $603K | 0.85% | 4.93% | 0.34% |
| Q1 2026 | $140.8M | $119.2M | $109.2M | $13.1M | $314K | 0.90% | 4.84% | 1.54% |
| Q4 2025 | $139.4M | $112.5M | $107.1M | $13.0M | $955K | 0.70% | 4.61% | 2.01% |
| Q3 2025 | $140.0M | $113.9M | $105.8M | $12.4M | $610K | 0.60% | 4.49% | 1.36% |
| Q2 2025 | $135.6M | $113.9M | $97.5M | $12.1M | $355K | 0.53% | 4.45% | 1.57% |
| Q1 2025 | $135.1M | $112.8M | $99.2M | $11.7M | $98K | 0.29% | 4.12% | 0.17% |
| Q4 2024 | $132.9M | $106.1M | $98.7M | $11.4M | $479K | 0.38% | 4.05% | 0.01% |
| Q3 2024 | $132.6M | $105.9M | $98.7M | $11.3M | $309K | 0.33% | 3.97% | 0.00% |
Loan mix (Q2 2026): real estate $107.0M · commercial $4.0M · consumer $1.0M · securities $21.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Millbury National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 62.9% | 69th |
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 | Millbury National Bank | 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 | Millbury National Bank | 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 | Millbury National Bank | 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 | Millbury National Bank | 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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