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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Millbury, MA · FDIC certificate #2616
MILLBURY NATIONAL BANK is an FDIC-insured institution based in Millbury, MA (FDIC certificate #2616). In its Q3 2026 Call Report it reported total assets of $152M, total deposits of $124M and net loans of $116M. Its primary federal regulator is OCC.
Plain-language readout
MILLBURY NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $152M in Q3 2026 and were lowest at $141M in Q1 2026.
Total deposits were highest at $124M in Q3 2026 and lowest at $119M in Q1 2026.
Over the whole period total assets rose 8.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $152M | $124M | $116M | 0.95% | 10.39% | 4.96% |
| Q2 2026 | $147M | $123M | $112M | 0.85% | 9.17% | 4.93% |
| Q1 2026 | $141M | $119M | $109M | 0.90% | 9.64% | 4.84% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.4M | $7.6M | +$797K | +10.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $21.1M | $18.8M | +$2.2M | +11.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $111.7M | $109.2M | +$2.5M | +2.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.2M | -$31K | -2.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.2M | $4.0M | +$147K | +3.7% |
| Total assets | $146.5M | $140.8M | +$5.7M | +4.0% |
| Liabilities | ||||
| Total deposits | $123.4M | $119.2M | +$4.3M | +3.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.0M | $7.0M | +$1.0M | +14.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.7M | $1.6M | +$118K | +7.5% |
| Total liabilities | $133.1M | $127.7M | +$5.4M | +4.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $401K | $401K | $0K | 0.0% |
| Retained earnings | $12.6M | $12.4M | +$288K | +2.3% |
| Accumulated other comprehensive income | -$22K | -$37K | +$15K | +40.5% |
| Other equity components | -$28K | -$28K | $0K | 0.0% |
| Total equity capital | $13.4M | $13.1M | +$303K | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $494K | $2.2M | -$1.7M | -77.2% |
| Adjusted nonperforming assets | $494K | $2.2M | -$1.7M | -77.2% |
| Tangible equity plus allowance | $14.0M | $13.7M | +$299K | +2.2% |
| Texas ratio (gross) | 3.53% | 15.83% | -12.31 pts | See points |
| Texas ratio (adjusted) | 3.53% | 15.83% | -12.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.53% | 15.83% | -12.31 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.21% | 13.60% | -0.39 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.21% | 13.60% | -0.39 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.60% | 0.63% | -0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.81% | 14.23% | -0.42 pts | See points |
| Tier 1 leverage (approximate) | 9.51% | 9.46% | +0.05 pts | See points |
| Construction and land loans to total capital | 110.35% | 111.13% | -0.77 pts | See points |
| Commercial real estate to total capital | 214.44% | 201.38% | +13.05 pts | See points |
| Dividend payout, year to date | 13.93% | 26.43% | -12.50 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.56% | -2.79% | +0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $110.4M | $106.3M | +$4.1M | +3.9% |
| Non-core funding | $21.0M | $19.8M | +$1.1M | +5.7% |
| Loans to core deposits | 101.69% | 103.27% | -1.58 pts | See points |
| Loans to deposits | 91.00% | 92.14% | -1.14 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 74.02% | 74.82% | -0.80 pts | See points |
| Loans pledged, share of loans | 26.43% | 30.43% | -4.00 pts | See points |
| Volatile liabilities | $38.5M | $37.1M | +$1.4M | +3.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $466K | +$557K | +119.5% |
| Earnings before provision, single quarter | $557K | $466K | +$91K | +19.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 8.25% | 8.14% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.13% | 2.85% | +0.28 pts | See points |
| Total interest income to average assets | 7.12% | 6.95% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 1.27% | 1.10% | +0.16 pts | See points |
| Cost of savings and money market deposits | 1.83% | 2.00% | -0.18 pts | See points |
| Cost of time deposits | 3.86% | 3.80% | +0.05 pts | See points |
| Total interest expense to average assets | 2.20% | 2.26% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $152M | $124M | $116M | 0.95% | 10.39% | 4.96% |
| 2026-06-30 | $147M | $123M | $112M | 0.85% | 9.17% | 4.93% |
| 2026-03-31 | $141M | $119M | $109M | 0.90% | 9.64% | 4.84% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $113.9M | 0.02% | 109 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.