MILLBURY NATIONAL BANK

MILLBURY, MA | Small | Est. Nov. 15, 1933, midnight | FDIC #2616 | RSSD #881900 | OCC
Latest Report: 2025-12-31

MILLBURY NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in MILLBURY, MA, established in Nov. 15, 1933, midnight. As of 2025-12-31, the bank reported total assets of $139M and total deposits of $113M. Profitability stands at 0.99% ROA and 10.87% ROE, with a net interest margin of 5.11%. The bank's CET1 capital ratio is 13.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.60% and a Texas Ratio of 20.66%. FDIC Certificate #2616.

Assets

$139M

Deposits

$113M

Loans

$108M

Equity

$13M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 10.87%
Net Interest Margin (NIM) 5.11%
Yield on Assets 7.70%
Cost of Funds 2.66%

Asset Quality

NPL Ratio 2.60%
Net Charge-Off Ratio 0.01%
Texas Ratio 20.66%
NPA Ratio 2.01%
ACL / Loans 0.57%

Capital & Liquidity

CET1 Ratio 13.59%
Tier 1 Capital 13.59%
Total Capital Ratio 14.24%
Leverage Ratio 9.22%
Loan-to-Deposit 95.75%

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