The Millyard Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 156.59 percentage points lower than in Q1 2026, at 111.25%. The Millyard Bank ranks 6th of 16 New Hampshire banks on return on assets, in the upper half at 0.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Millyard Bank sits 0.59 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 9.18% |
| Tangible equity to tangible assets | 9.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.85% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.79% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 111.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 7.00% |
| Net interest margin | 3.05% |
| Efficiency ratio | 66.73% |
| Yield on earning assets | 5.83% |
| Cost of funds | 3.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.43% |
| Core deposits to total deposits | 80.05% |
| Brokered deposits to total deposits | 11.78% |
| Deposits to assets | 82.89% |
| Securities to assets | 9.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.26% | 16.26% | 17.32% | 11.41% | -0.43% |
| Q4 2023 | 15.03% | 15.03% | 16.05% | 10.43% | -0.11% |
| Q1 2024 | 14.62% | 16.97% | 18.02% | 11.93% | -0.06% |
| Q2 2024 | — | — | — | 12.12% | -0.05% |
| Q3 2024 | — | — | — | 11.89% | 0.26% |
| Q4 2024 | — | — | — | 12.23% | 0.32% |
| Q1 2025 | — | — | — | 11.45% | 0.20% |
| Q2 2025 | — | — | — | 11.19% | 0.15% |
| Q3 2025 | — | — | — | 10.22% | 0.46% |
| Q4 2025 | — | — | — | 10.10% | 0.66% |
| Q1 2026 | — | — | — | 10.00% | 0.62% |
| Q2 2026 | — | — | — | 9.70% | 0.66% |
The Millyard Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Millyard Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Millyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59176) · FFIEC NIC profile (RSSD 5448915)