Millbury National Bank
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Data as of · sourced from FFIEC call reports. How we update
Millbury National Bank is an FDIC-insured commercial bank headquartered in Millbury, MA, established in 1933 (FDIC certificate 2616), and it is supervised by the OCC. At Q2 2026 it reported total assets of $146.5M, up 8.0% from Q2 2025, the 85th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 13.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2616
- Headquarters
- Millbury, MA
- Established
- 1933
- Total assets, Q2 2026
- $146.5M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 13.21%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 011305202
- Latest call report
- Q2 2026, FFIEC 041 · Millbury National Bank call report
- Asset rank in state
- 85th of 89 in Massachusetts
Millbury National Bank earns an unusually wide margin on its lending. Based in Millbury, Massachusetts, it had $147 million in assets at June 30, 2026, up 8.0% from a year earlier. It keeps 4.98 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 14.4% over the year, 2.6 times the median of 5.5% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.44% of loans from 2.18%. Loans are outrunning deposits: over the year loans rose 14.4% and deposits rose 8.3%. Where it has less room is capital: it funds 9.51% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Millbury National Bank reported a CET1 capital ratio of 13.21%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.53%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Millbury National Bank is the 85th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.0% to $146.5M, loans rose 2.3% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.3% of total loans, followed by construction and land development loans at 13.8%. Its one office in the FDIC Summary of Deposits is in Millbury, MA. By the capital ratios in its Q2 2026 call report, Millbury National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 18 Main St, Millbury, MA 01527
- County
- Worcester
- Metro Area
- Worcester, MA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 15, 1933
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $123.4M
- Allowance for credit losses
- $599K
- Net charge-offs (YTD)
- $10K
- Average total assets
- $141.1M
- Average total loans
- $109.4M
- Average interest-bearing deposits
- $98.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2616
- Fed RSSD
- 881900
- Website
- www.mnbonline.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Millbury National Bank's total assets ran between $117.0M (Q3 2023) and $146.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$146.5M total assets against $135.6M; $133.1M total liabilities against $123.6M.
$111.7M net loans and leases against $97.5M; $123.4M total deposits against $113.9M.
$21.1M securities against $22.3M; $8.4M cash and balances due against $10.7M.
$2.5M total interest income against $2.4M; $776K total interest expense against $827K.
$1.7M net interest income against $1.5M.
$32K total noninterest income against $40K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $11K.
$289K net income against $257K.
0.82% return on assets against 0.77%; 4.98% net interest margin against 4.68%.
13.21% CET1 capital ratio against 14.01%; 9.51% tier 1 leverage ratio against 9.24%.
Inside the full Millbury National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Millbury National Bank rankings
Its closest position to the top of a national ranking is 1,703 of 3,640, for Texas Ratio; its furthest is 2,861 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.30% (Q1 2025) to 0.99% (Q4 2025) and its net interest margin ran from 4.05% (Q1 2025) to 4.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.21% | 0.82% | 0.44% | 3.53% | 4.98% |
| Q1 2026 | 13.60% | 0.90% | 1.98% | 15.83% | 4.75% |
| Q4 2025 | 13.59% | 0.99% | 2.60% | 20.66% | 4.75% |
| Q3 2025 | 13.64% | 0.75% | 1.78% | 14.54% | 4.56% |
| Q2 2025 | 14.01% | 0.77% | 2.18% | 16.84% | 4.68% |
| Q1 2025 | 14.37% | 0.30% | 0.23% | 1.85% | 4.05% |
| Q4 2024 | 13.87% | 0.51% | 0.02% | 0.16% | 4.14% |
| Q3 2024 | 13.14% | 0.42% | 0.00% | 0.00% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Millbury National Bank (main office) | Millbury , MA | 01527 | $123.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 7, 1992, OCC: Formal Agreement: Millbury National Bank
- Period: Most recent institution action January 7, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MA, rank 103 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Millbury National Bank
What are Millbury National Bank's total assets?
As of the Q2 2026 filing, Millbury National Bank reported total assets of $146.5 million in its FFIEC call report.
Where is Millbury National Bank headquartered?
It is headquartered in Millbury, MA, United States.
When was Millbury National Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Millbury National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Millbury National Bank?
Millbury National Bank's primary federal regulator is the OCC.
What is Millbury National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Millbury National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Millbury National Bank's Texas Ratio?
Its Texas Ratio is 3.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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