Headquartered in Millbrook, New York, Bank of Millbrook is a state-chartered bank (fed member) with $311.7M in total assets and $269.8M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1891.
Bank of Millbrook has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 33rd. Earnings contributes the most (100/100, 2.23%); loan quality contributes the least (41/100, 1.76%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (80 → 73), mostly because the loan quality component weakened by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 74 |
| Q4 2024 | 78 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 78 |
| Q4 2025 | 75 |
| Q1 2026 | 80 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.37% |
| Q3 2024 | 10.63% |
| Q4 2024 | 10.80% |
| Q1 2025 | 11.34% |
| Q2 2025 | 11.69% |
| Q3 2025 | 11.99% |
| Q4 2025 | 11.46% |
| Q1 2026 | 11.62% |
| Q2 2026 | 12.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.81% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.17% |
| Q1 2026 | 0.81% |
| Q2 2026 | 1.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.86% |
| Q3 2025 | 1.79% |
| Q4 2025 | 1.84% |
| Q1 2026 | 2.46% |
| Q2 2026 | 2.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $311.7M | 12.11% | 1.76% | 2.23% | 50.3% |
| Q1 2026 | 80 | $322.4M | 11.62% | 0.81% | 2.46% | 46.8% |
| Q4 2025 | 75 | $308.5M | 11.46% | 1.17% | 1.84% | 49.9% |
| Q3 2025 | 78 | $306.8M | 11.99% | 1.03% | 1.79% | 48.5% |
| Q2 2025 | 80 | $285.0M | 11.69% | 0.81% | 1.86% | 53.0% |
| Q1 2025 | 80 | $284.1M | 11.34% | 0.60% | 1.75% | 51.4% |
| Q4 2024 | 78 | $277.5M | 10.80% | 0.47% | 1.53% | 49.6% |
| Q3 2024 | 74 | $297.9M | 10.63% | 0.69% | 1.44% | 44.2% |
| Q2 2024 | 76 | $287.3M | 10.37% | 0.42% | 1.40% | 44.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carthage Savings and Loan, National AssociationBank Carthage, NY | 77 out of 100, Strong | $312.1M | 12.9% | 0.32% | vs |
| Seneca Savings Bank, National AssociationBank Baldwinsville, NY | 51 out of 100, Below average | $312.5M | 9.8% | 1.12% | vs |
| American Community BankBank Glen Cove, NY | 78 out of 100, Strong | $306.5M | 13.4% | 0.00% | vs |
| Global BankBank New York, NY | 36 out of 100, Low | $304.2M | 12.1% | 4.49% | vs |
| Abacus Federal Savings BankBank New York, NY | 76 out of 100, Strong | $320.7M | 16.3% | 0.47% | vs |
| The Upstate National BankBank Ogdensburg, NY | 63 out of 100, Moderate | $294.8M | 10.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank of Millbrook?
Yes. Bank of Millbrook is an FDIC-insured institution (FDIC certificate #618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($76.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.58% (benchmark: 10%).
5 locations
Branches
Bank of Millbrook lists 5 offices in 5 cities. Most locations:
- Amenia, NY (1)
- Millbrook, NY (1)
- Millerton, NY (1)
- Pine Plains, NY (1)
- Stanfordville, NY (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Millbrook reported 28 home-loan applications under HMDA (LEI 2549009JMGPU64G0O296): 22 originated ($11,610,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Millbrook
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 618
- RSSD ID
- 175609
- Primary regulator
- FED
- Holding company
- Millbrook Bank System Inc
- Established
- May 18, 1891
- Headquarters
- 3263 Franklin Ave, Millbrook, NY 12545
- Website
- www.bankofmillbrook.com
- Employees
- 44
Quick answers
Bank of Millbrook: common questions
Is Bank of Millbrook FDIC insured?
Yes. Bank of Millbrook is an FDIC-insured institution (FDIC certificate #618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Millbrook's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Millbrook ever failed?
There is no failure record for FDIC certificate #618 in the FDIC failed bank list.
How many branches does Bank of Millbrook have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Millbrook
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Putnam County National Bank of CarmelBank Carmel, NY | 83 out of 100, Strong | $182.7M | 26.8% | 0.48% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Orange Bank & Trust CompanyBank Middletown, NY | 73 out of 100, Strong | $2.8B | 13.2% | 1.12% | vs |
| Union Savings BankBank Danbury, CT | 71 out of 100, Strong | $3.3B | 11.5% | 0.29% | vs |
| Community CU of New Milford, Inc. Credit UnionCredit union New Milford, CT | 71 out of 100, Strong | $16.3M | 9.6% | 0.80% | vs |