The Millyard Bank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, The Millyard Bank's strongest measure in Q2 2026 is assets per employee ($11.1M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (3.12% vs. 3.94%).
| Measure | The Millyard Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.64% | 1.30% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.12% | 3.94% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.52% | 61.71% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.1M | $6.8M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.53% | 79.49% | Context |
What it means for lending operations
Its efficiency ratio of 68.52% is above the 61.71% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Global One Bank Houston, TX · $333M
- Stryv Bank Wichita, KS · $333M
- Community State Bank of Missouri Bowling Green, MO · $334M
- Clare Bank, National Association Platteville, WI · $332M
- Bank of England England, AR · $332M
- Altamaha Bank & Trust Company Vidalia, GA · $334M
Questions about The Millyard Bank
How big is The Millyard Bank?
The Millyard Bank, established in 2019, is headquartered in Nashua, NH. It reported $333M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Millyard Bank's return on assets?
0.64% annualized in Q2 2026, against a 1.30% median for 1000 U.S. banks with half to twice its assets, ahead of 15% of them.
What is The Millyard Bank's efficiency ratio?
68.52% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 61.71%, and lower is better.
Is The Millyard Bank growing its loans?
Net loans grew 25.8% over the year to Q2 2026, while deposits grew 20.6%.
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 U.S. 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 New Hampshire bank ranked.