Millbury National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Millbury National Bank of Millbury, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.82% | 1.35% | -0.53% | 24th bottom |
| ROAE | 8.73% | 12.06% | -3.33% | 29th below |
| Net Interest Margin | 4.98% | 3.90% | +1.08% | 92nd top |
| Efficiency Ratio | 68.50% | 63.15% | +5.35% | 32nd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.58% | 1.64% | -0.06% | 50th above |
| Yield on Earning Assets | 7.20% | 5.65% | +1.55% | 96th top |
| Cost of Funds | 2.29% | 1.85% | +0.44% | 22nd bottom |
| Net Interest Spread | 4.27% | 3.35% | +0.92% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.92% | -0.72% | 64th above |
| NPA / Total Assets | 0.15% | 0.67% | -0.52% | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 271.04% | 1645.72% | -1374.68% | 57th above |
| Texas Ratio | 3.53% | 7.15% | -3.62% | 50th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.21% | 20.83% | -7.62% | 31st below |
| Tier 1 Ratio | 13.21% | 20.87% | -7.66% | 31st below |
| Total Capital Ratio | 13.81% | 21.94% | -8.13% | 24th bottom |
| Leverage Ratio | 9.51% | 12.46% | -2.95% | 22nd bottom |
| Equity / Assets | 9.14% | 11.67% | -2.53% | 30th below |
| TCE / Tangible Assets | 9.14% | 11.40% | -2.26% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.00% | 78.64% | +12.36% | 26th below |
| Core Deposit Ratio | 89.49% | 87.09% | +2.40% | 52nd above |
| Wholesale Funding Ratio | 5.46% | 5.11% | +0.35% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.01% | 6.47% | +1.54% | 75th top |
| Loan Growth (Y/Y) | 14.43% | 7.64% | +6.79% | 85th top |
| Deposit Growth (Y/Y) | 8.35% | 6.02% | +2.33% | 77th top |
See Millbury National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Millbury National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Millbury National Bank profile, how to read a UBPR, or how this data updates.