Millbury National Bank: how it compares with its peers
Against 11 MA banks with half to twice its assets, Millbury National Bank's strongest measure in Q2 2026 is net interest margin (4.93% vs. a 2.92% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $9.0M).
| Measure | Millbury National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 0.44% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 2.92% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.17% | 81.53% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $9.0M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.52% | 84.43% | Context |
What it means for lending operations
Its efficiency ratio of 70.17% is better than the 81.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Methuen Co-operative Bank Methuen, MA · $141M
- Canton Co-operative Bank Canton, MA · $155M
- Stoughton Co-operative Bank Stoughton, MA · $135M
- 42 North Private Bank Canton, MA · $182M
- Wrentham Co-operative Bank Wrentham, MA · $193M
Questions about Millbury National Bank
How big is Millbury National Bank?
Millbury National Bank, established in 1933, is headquartered in Millbury, MA. It reported $147M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Millbury National Bank's return on assets?
0.85% annualized in Q2 2026, against a 0.44% median for 11 MA banks with half to twice its assets, ahead of 82% of them.
What is Millbury National Bank's efficiency ratio?
70.17% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 81.53%, and lower is better.
Is Millbury National Bank growing its loans?
Net loans grew 14.5% over the year to Q2 2026, while deposits grew 8.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.