Total Assets
$139M
Total balance-sheet footings
FDIC Cert #2616 · Millbury, Massachusetts · Est. 1933
Millbury National Bank - FDIC Bank Health Profile
A community-scale look at Millbury National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $139M
- Total assets
- C
- Health grade · Fair
- 0.70%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
Millbury National Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 13.59% Tier 1, 0.70% ROA, 77% efficiency ratio.
- #3,434
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 13.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Millbury National Bank's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Millbury National Bank's composite health score
Tier 1 Capital Ratio (13.59%) 35/40
Return on Assets (ROA) (0.70%) 14/25
Texas Ratio (20.66%) 10/20
Efficiency Ratio (77.12%) 4/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$113M
Customer-funded liabilities
Net Loans
$107M
Outstanding loan book
Net Income
$955K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Millbury National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Millbury National Bank's score of 63/100 falls in the highlighted band.
Millbury National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Millbury National Bank's $139M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.59%
Texas Ratio
20.66%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.70%
Return on Equity (ROE)
7.88%
Efficiency Ratio
77.12%
What the numbers say about Millbury National Bank
Millbury National Bank is an FDIC-insured institution (Certificate #2616) headquartered in Millbury, Massachusetts, established in 1933. It holds $139M in total assets - 3,434th of 4,313 FDIC-insured banks, $113M in customer deposits, and $107M in net loans. Looking at capital strength, Tier 1 stands at 13.59%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 20.66%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (63/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Millbury National Bank ranks 87th of 91 banks based in Massachusetts -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$9M
Interest Income
$159K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Millbury National Bank reports a Texas Ratio of 20.66% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
20.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Millbury National Bank (FDIC Cert #2616) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Millbury National Bank's health grade?▼
Millbury National Bank receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Millbury National Bank?▼
Millbury National Bank holds $139M in total assets and $113M in deposits, ranking 3,434th of 4,313 FDIC-insured banks by asset size. It is headquartered in Millbury, Massachusetts.
Is my money safe at Millbury National Bank?▼
Yes, deposits at Millbury National Bank (Certificate #2616) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Millbury National Bank's Tier 1 Capital Ratio?▼
Millbury National Bank has a Tier 1 Capital Ratio of 13.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Millbury National Bank?▼
Millbury National Bank has a Texas Ratio of 20.66%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Millbury National Bank?▼
Millbury National Bank has an Efficiency Ratio of 77.12%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Millbury National Bank's profile as a depositor or analyst.
- Millbury National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Millbury National Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.