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Millbury National Bank
Millbury, MA · FDIC Certificate #2616 · Chartered 11/1
Total assets
$146.51M
Total deposits
$123.41M
Total equity
$13.40M
Net loans
$111.71M
Branches (offices)
1
Net income (YTD)
$603.00K
Rank: #3,333 of 4,213 U.S. banks by assets · #85 of 89 in Massachusetts. Assets changed 8.0% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 9.17% |
| Net interest margin (YTD) | 4.93% |
| Equity to assets | 9.14% |
| Tier 1 leverage ratio | 9.51% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 90.5% |
| Real estate loans (share of loans) | 95.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $107.00M | 95.8% | |
| Commercial & industrial | $3.98M | 3.6% | |
| Consumer / individual | $1.05M | 0.9% | |
| Construction & development | $15.48M | 13.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.04M | $101.57M | $363.00K | $9.63M |
| Jun 2023 | $116.32M | $98.32M | $213.00K | $10.05M |
| Jun 2024 | $127.05M | $105.18M | $172.00K | $10.82M |
| Jun 2025 | $135.64M | $113.91M | $355.00K | $12.08M |
| Jun 2026 | $146.51M | $123.41M | $603.00K | $13.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $123.41M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $123.41M.
Similar-sized banks
Security Bank Of Southwest Missouri ($146.81M) · Independent Farmers Bank ($146.50M)
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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