BANK OF MILLBROOK

MILLBROOK, NY | Small | Est. May 18, 1891, midnight | FDIC #618 | RSSD #175609 | FED
Latest Report: 2025-12-31

BANK OF MILLBROOK is asn small FDIC-insured commercial bank headquartered in MILLBROOK, NY, established in May 18, 1891, midnight. As of 2025-12-31, the bank reported total assets of $308M and total deposits of $269M. Profitability stands at 2.10% ROA and 17.31% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 23.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 2.61%. FDIC Certificate #618.

Assets

$308M

Deposits

$269M

Loans

$136M

Equity

$38M

Profitability

Return on Assets (ROA) 2.10%
Return on Equity (ROE) 17.31%
Net Interest Margin (NIM) 4.65%
Yield on Assets 4.80%
Cost of Funds 0.16%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.61%
NPA Ratio 0.34%
ACL / Loans 1.85%

Capital & Liquidity

CET1 Ratio 23.49%
Tier 1 Capital 23.49%
Total Capital Ratio 24.75%
Leverage Ratio 11.50%
Loan-to-Deposit 50.78%

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