The Millyard Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Millyard Bank of Nashua, NH 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 | 0.66% | 1.34% | -0.68% | 18th bottom |
| ROAE | 7.00% | 13.32% | -6.32% | 21st bottom |
| Net Interest Margin | 3.05% | 3.93% | -0.88% | 11th bottom |
| Efficiency Ratio | 66.73% | 61.14% | +5.59% | 36th below |
| PPNR / Avg Assets | 1.02% | 1.68% | -0.66% | 21st bottom |
| Yield on Earning Assets | 5.83% | 5.67% | +0.16% | 60th above |
| Cost of Funds | 3.03% | 1.88% | +1.15% | 5th bottom |
| Net Interest Spread | 2.39% | 3.32% | -0.93% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 0.94% | -0.09% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.70% | -0.03% | 31st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 21st bottom |
| ACL / NPLs (Coverage) | 111.25% | 1539.18% | -1427.93% | 31st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.79% | 7.33% | -0.54% | 32nd below |
| Provision / NCO | 7166.67% | 1392.66% | +5774.01% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.70% | 12.14% | -2.44% | 25th below |
| Equity / Assets | 9.18% | 11.38% | -2.20% | 30th below |
| TCE / Tangible Assets | 9.18% | 11.09% | -1.91% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.43% | 80.63% | +14.80% | 17th bottom |
| Core Deposit Ratio | 80.05% | 86.86% | -6.81% | 16th bottom |
| Wholesale Funding Ratio | 7.50% | 5.03% | +2.47% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.42% | 6.85% | +12.57% | 94th top |
| Loan Growth (Y/Y) | 25.79% | 7.90% | +17.89% | 96th top |
| Deposit Growth (Y/Y) | 20.55% | 6.28% | +14.27% | 95th top |
See The Millyard Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Millyard 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 The Millyard Bank profile, how to read a UBPR, or how this data updates.