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Bank Of Millbrook
Millbrook, NY · FDIC Certificate #618 · Chartered 05/1
Total assets
$311.67M
Total deposits
$269.81M
Total equity
$38.99M
Net loans
$135.71M
Branches (offices)
5
Net income (YTD)
$3.51M
Rank: #2,411 of 4,213 U.S. banks by assets · #88 of 115 in New York. Assets changed 9.3% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.23% |
| Return on equity | 18.38% |
| Net interest margin (YTD) | 4.61% |
| Equity to assets | 12.51% |
| Tier 1 leverage ratio | 12.11% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 1.76% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 50.3% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $125.33M | 92.4% | |
| Commercial & industrial | $7.61M | 5.6% | |
| Consumer / individual | $4.54M | 3.3% | |
| Construction & development | $3.08M | 2.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $313.67M | $294.18M | $756.00K | $17.96M |
| Jun 2023 | $298.38M | $274.45M | $1.50M | $22.43M |
| Jun 2024 | $287.33M | $257.80M | $2.03M | $27.84M |
| Jun 2025 | $285.02M | $249.04M | $2.62M | $34.14M |
| Jun 2026 | $311.67M | $269.81M | $3.51M | $38.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $269.80M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $269.80M.
Similar-sized banks
Wray State Bank ($311.98M) · Citizens State Bank Of Loyal ($311.54M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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