BlastPoint's Banking Scorecard
The Millyard Bank
Micro
Specialty: Commercial
NH
FDIC cert 59176
Designations: ✓ Community bank
Nashua, NH
2498
banks in Micro tier nationally
6 in NH
View Micro leaderboard (NH) →
The Millyard Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.4M
+22.3% YoY
-4.9% QoQ
|
+$72.9M |
$217.5M
+2.3% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$236.8M
+32.3% YoY
+6.4% QoQ
|
+$97.6M |
$139.2M
+2.8% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$244.2M
+24.0% YoY
-4.2% QoQ
|
+$60.5M |
$183.7M
+1.8% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.38%
+236.0% YoY
+40.5% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
2.89%
+14.3% YoY
+4.2% QoQ
|
-0.96% |
3.85%
+6.6% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
74.03%
-18.5% YoY
-6.7% QoQ
|
+6.30% |
67.73%
-4.8% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.97%
+6.6% YoY
+11.1% QoQ
|
+22.44% |
74.53%
+0.5% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.86%
-37.1% YoY
+6.7% QoQ
|
-7.53% |
22.39%
-1.3% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
+29.4% YoY
+54.1% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.97% · Tier avg: 74.53%
82
82th pctile
Total Loans
Current: $236.8M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $290.4M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $244.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
30
30th pctile
Efficiency Ratio
Current: 74.03% · Tier avg: 67.73%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.86% · Tier avg: 22.39%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.86% · Tier avg: 22.39%
30
30th pctile
Efficiency Ratio
Current: 74.03% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Total Deposits
Current: $244.2M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $290.4M · Tier avg: $217.5M
82
82th pctile
Total Loans
Current: $236.8M · Tier avg: $139.2M
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.97% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%