BlastPoint's Banking Scorecard
Millbury National Bank
Micro
Specialty: Commercial
MA
FDIC cert 2616
Designations: ✓ Community bank
Millbury, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Millbury National Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.98% above tier
- - Nonperforming Asset Ratio 1.56% above tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.4M
+4.9% YoY
-0.4% QoQ
|
-$78.1M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$107.1M
+8.6% YoY
+1.3% QoQ
|
-$32.0M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$112.5M
+6.0% YoY
-1.2% QoQ
|
-$71.1M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.70%
+86.3% YoY
+16.8% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
4.61%
+13.6% YoY
+2.5% QoQ
|
+0.75% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
77.12%
-11.0% YoY
-3.3% QoQ
|
+9.40% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
2.62%
+45.8% QoQ
|
+1.98% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
95.20%
+2.4% YoY
+2.5% QoQ
|
+20.68% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.80%
-12.1% YoY
-5.5% QoQ
|
-2.59% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
2.01%
+48.3% QoQ
|
+1.56% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
13.59%
-2.0% YoY
-0.4% QoQ
|
+4.74% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.11%
-13.4% YoY
+30.9% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.62%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.59% · Tier avg: 8.85%
45
45th pctile
Total Loans
Current: $107.1M · Tier avg: $139.2M
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.80% · Tier avg: 22.39%
35
35th pctile
Total Assets
Current: $139.4M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.5M · Tier avg: $183.7M
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 77.12% · Tier avg: 67.73%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.20% · Tier avg: 74.53%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
9
9th pctile
Delinquency Rate
Current: 2.62% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.62% · Tier avg: 0.64%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.20% · Tier avg: 74.53%
25
25th pctile
Efficiency Ratio
Current: 77.12% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
33
33th pctile
Total Deposits
Current: $112.5M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $139.4M · Tier avg: $217.5M
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.80% · Tier avg: 22.39%
45
45th pctile
Total Loans
Current: $107.1M · Tier avg: $139.2M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.59% · Tier avg: 8.85%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%