The Millyard Bank
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Data as of · sourced from FFIEC call reports. How we update
The Millyard Bank is an FDIC-insured commercial bank headquartered in Nashua, NH, established in 2019 (FDIC certificate 59176), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $333.2M, up 19.4% from Q2 2025, the 14th largest of 16 banks headquartered in New Hampshire. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59176
- Headquarters
- Nashua, NH
- Established
- 2019
- Total assets, Q2 2026
- $333.2M
- Assets vs Q2 2025
- +19.4%
- Tier 1 leverage ratio, Q2 2026
- 9.70%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 011402118
- Asset rank in state
- 14th of 16 in New Hampshire
Problem loans are rising at The Millyard Bank. It reported $333 million in assets at June 30, 2026, up 19.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.85% of loans from 0.00% a year earlier. It pays an average of 3.03% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 2.9 times its capital, 2.5 times the median of 1.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 25.8% and deposits rose 20.6%. Delinquency has appeared in its $41 million commercial and industrial book: 1.06% of those loans are past due or on nonaccrual, against almost none a year earlier. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, The Millyard Bank reported a return on assets of 0.66%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 6.79%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in New Hampshire, The Millyard Bank is the 14th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.6% to $333.2M, loans rose 4.0% and deposits rose 6.0%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 29.5% of total loans, followed by non-owner-occupied commercial real estate loans at 21.2%. Its 2 offices in the FDIC Summary of Deposits are in Nashua, NH and Hollis, NH; its Nashua office books 87% of its branch deposits. On its Q2 2026 call report, The Millyard Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 57 Northeastern Blvd, Nashua, NH 03062
- County
- Hillsborough
- Metro Area
- Manchester-Nashua, NH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 21, 2019
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $276.2M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $321.5M
- Average total loans
- $259.5M
- Average interest-bearing deposits
- $226.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 21, 2019
- FDIC Cert
- 59176
- Fed RSSD
- 5448915
- Website
- www.millyardbank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Millyard Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Millyard Bank's total assets ranged from $219.1M (Q3 2023) to $333.2M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$333.2M total assets against $279.0M; $302.6M total liabilities against $250.4M.
$261.1M net loans and leases against $207.6M; $276.2M total deposits against $229.1M.
$33.3M securities against $26.7M; $29.1M cash and balances due against $35.2M.
$4.6M total interest income against $3.5M; $2.2M total interest expense against $1.8M.
$2.4M net interest income against $1.7M.
$70K total noninterest income against $83K; $1.7M total noninterest expense against $1.5M.
$115K provision for credit losses against $247K.
$531K net income against $95K.
0.66% return on assets against 0.15%; 3.05% net interest margin against 2.73%.
9.70% tier 1 leverage ratio against 11.19%.
Inside the full The Millyard 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.
The Millyard Bank rankings
Its closest position to the top of a national ranking is 983 of 3,640, for Texas Ratio; its furthest is 3,073 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.15% (Q2 2025) to 0.66% (Q4 2025) and its net interest margin ran from 2.63% (Q3 2024) to 3.07% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.70% | 0.66% | 0.85% | 6.79% | 3.05% |
| Q1 2026 | 10.00% | 0.62% | 0.36% | 2.78% | 3.07% |
| Q4 2025 | 10.10% | 0.66% | 0.00% | 0.00% | 3.05% |
| Q3 2025 | 10.22% | 0.46% | 0.00% | 0.00% | 2.83% |
| Q2 2025 | 11.19% | 0.15% | 0.00% | 0.00% | 2.73% |
| Q1 2025 | 11.45% | 0.20% | 0.00% | 0.00% | 2.76% |
| Q4 2024 | 12.23% | 0.32% | 0.00% | 0.00% | 2.83% |
| Q3 2024 | 11.89% | 0.26% | 0.00% | 0.00% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| The Millyard Bank | Nashua , NH | 03062 | $239.2M |
| Hollis Branch | Hollis , NH | 03049 | $37.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NH, rank 31 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $330K approved, $165K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Millyard Bank
What are The Millyard Bank's total assets?
As of the Q2 2026 filing, The Millyard Bank reported total assets of $333.2 million in its FFIEC call report.
Where is The Millyard Bank headquartered?
It is headquartered in Nashua, NH, United States.
When was The Millyard Bank founded?
It was established in 2019, per the FDIC institution directory.
Is The Millyard Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Millyard Bank?
The Millyard Bank's primary federal regulator is the FDIC.
How many branches does The Millyard Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Millyard Bank's Texas Ratio?
Its Texas Ratio is 6.79% 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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