BlastPoint's Banking Scorecard
Bank of Millbrook
Micro
Specialty: Other
NY
FDIC cert 618
Designations: ✓ Community bank
Millbrook, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Bank of Millbrook shows strong momentum with 3 strengths and 11.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 27.04% above tier
- + Tier 1 Capital Ratio 14.64% above tier
- + Non-Interest Income / Assets 0.33% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$308.5M
+11.2% YoY
+0.6% QoQ
|
+$91.0M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$133.9M
+10.1% YoY
+2.8% QoQ
|
-$5.3M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$268.5M
+9.6% YoY
+0.1% QoQ
|
+$84.9M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.88%
+22.9% YoY
+4.8% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.36%
+12.5% YoY
+1.7% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
51.35%
-7.7% YoY
+1.5% QoQ
|
-16.38% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
1.19%
+147.3% YoY
+14.3% QoQ
|
+0.55% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
49.84%
+0.5% YoY
+2.7% QoQ
|
-24.68% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
49.43%
+4.2% YoY
-3.8% QoQ
|
+27.04% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+144.9% YoY
+16.8% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
23.49%
+6.5% YoY
-0.9% QoQ
|
+14.64% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.89%
-3.0% YoY
+35.2% QoQ
|
+0.33% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (3)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.43%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.49%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.89%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.43% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.49% · Tier avg: 8.85%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
88
88th pctile
Efficiency Ratio
Current: 51.35% · Tier avg: 67.73%
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
75
75th pctile
Total Deposits
Current: $268.5M · Tier avg: $183.7M
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
74
74th pctile
Total Assets
Current: $308.5M · Tier avg: $217.5M
55
55th pctile
Total Loans
Current: $133.9M · Tier avg: $139.2M
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.64%
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.84% · Tier avg: 74.53%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.84% · Tier avg: 74.53%
25
25th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
55
55th pctile
Total Loans
Current: $133.9M · Tier avg: $139.2M
74
74th pctile
Total Assets
Current: $308.5M · Tier avg: $217.5M
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
75
75th pctile
Total Deposits
Current: $268.5M · Tier avg: $183.7M
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.35% · Tier avg: 67.73%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.49% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.43% · Tier avg: 22.39%