Bank of Millbrook: Financial Reports & UBPR Data
BankRegReports is independent of Bank of Millbrook and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Bank of Millbrook. Based in Millbrook, New York, it had $312 million in assets at June 30, 2026, up 9.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.76% of loans from 0.81% a year earlier. It pays an average of 0.16% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 24.32% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Delinquency has appeared in its $20 million non-owner-occupied commercial real estate book: 2.12% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 3.0% and deposits rose 8.3%.
As of June 30, 2026, Bank of Millbrook reported a CET1 capital ratio of 24.32%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 6.21%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3263 Franklin Ave, Millbrook, NY 12545
- County
- Dutchess
- Metro Area
- Kiryas Joel-Poughkeepsie-Newburgh, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 18, 1891
- Offices
- 5 domestic
- Employees (FTE)
- 44
- Domestic deposits
- $269.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $320.0M
- Average total loans
- $135.2M
- Average interest-bearing deposits
- $136.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 618
- Fed RSSD
- 175609
- Website
- WWW.BANKOFMILLBROOK.COM →
- Parent Holding Company
- MILLBROOK BANK SYSTEM, INC. (RSSD 2646998)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Millbrook terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Millbrook, freeBank of Millbrook rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Millbrook: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.32% | 1.96% | 0.61% | 6.21% | 4.61% |
| Q1 2026 | 25.26% | 2.41% | 0.18% | 2.82% | 4.35% |
| Q4 2025 | 23.41% | 1.93% | 0.77% | 4.29% | 4.55% |
| Q3 2025 | 23.70% | 1.73% | 0.53% | 3.70% | 4.44% |
| Q2 2025 | 21.79% | 1.96% | 0.54% | 3.18% | 4.37% |
| Q1 2025 | 25.58% | 1.73% | 0.56% | 2.38% | 4.12% |
| Q4 2024 | 22.05% | 1.74% | 0.00% | 1.93% | 4.15% |
| Q3 2024 | 24.05% | 1.59% | 0.00% | 2.63% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Millbrook (main office) | Millbrook , NY | 12545 | $165.9M |
| Pine Plains Branch | Pine Plains , NY | 12567 | $42.2M |
| Amenia Branch | Amenia , NY | 12501 | $34.6M |
| Stanford Branch | Stanfordville , NY | 12581 | $20.0M |
| Millerton Branch | Millerton , NY | 12546 | $7.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2010 | Structure Change | Acquired The Stissing National Bank of Pine Plains Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Bank of Millbrook, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 121 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 22 loans originated, $11.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Bank of Millbrook’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Bank of Millbrook with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Bank of Millbrook
What are Bank of Millbrook's total assets?
As of the Q2 2026 filing, Bank of Millbrook reported total assets of $311.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Millbrook headquartered?
Bank of Millbrook is headquartered in Millbrook, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Millbrook founded?
Bank of Millbrook was established in 1891, per the FDIC institution directory.
Is Bank of Millbrook FDIC-insured?
Yes. Bank of Millbrook is an FDIC-insured commercial bank (FDIC Certificate #618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Millbrook?
Bank of Millbrook's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Millbrook's CET1 capital ratio?
Bank of Millbrook reported a Common Equity Tier 1 (CET1) capital ratio of 24.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Millbrook operate?
Bank of Millbrook operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Millbrook's Texas Ratio?
Bank of Millbrook's Texas Ratio is 6.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Bank of Millbrook.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Bank of Millbrook, freeFree account