Millbury National Bank is a national bank headquartered in Millbury, Massachusetts, in business for about 93 years. At the end of Q2 2026 it reported $146.5M in total assets and $123.4M in deposits, with 1 office.
Millbury National Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 44th. Problem-loan coverage contributes the most (93/100, 3.5%); capital cushion contributes the least (45/100, 9.51%).
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 rose 20 points (45 → 65), mostly because the loan quality component improved by 58 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 62 |
| Q2 2025 | 45 |
| Q3 2025 | 48 |
| Q4 2025 | 41 |
| Q1 2026 | 50 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.31% |
| Q3 2024 | 9.15% |
| Q4 2024 | 9.29% |
| Q1 2025 | 9.13% |
| Q2 2025 | 9.24% |
| Q3 2025 | 9.27% |
| Q4 2025 | 9.22% |
| Q1 2026 | 9.46% |
| Q2 2026 | 9.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.23% |
| Q2 2025 | 2.18% |
| Q3 2025 | 1.78% |
| Q4 2025 | 2.60% |
| Q1 2026 | 1.98% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $146.5M | 9.51% | 0.44% | 0.85% | 90.5% |
| Q1 2026 | 50 | $140.8M | 9.46% | 1.98% | 0.90% | 91.6% |
| Q4 2025 | 41 | $139.4M | 9.22% | 2.60% | 0.70% | 95.2% |
| Q3 2025 | 48 | $140.0M | 9.27% | 1.78% | 0.60% | 92.9% |
| Q2 2025 | 45 | $135.6M | 9.24% | 2.18% | 0.53% | 85.6% |
| Q1 2025 | 62 | $135.1M | 9.13% | 0.23% | 0.29% | 87.9% |
| Q4 2024 | 65 | $132.9M | 9.29% | 0.02% | 0.38% | 93.0% |
| Q3 2024 | 64 | $132.6M | 9.15% | 0.00% | 0.33% | 93.2% |
| Q2 2024 | 60 | $127.0M | 9.31% | 0.47% | 0.28% | 90.6% |
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 Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Methuen Co-operative BankBank Methuen, MA | 56 out of 100, Moderate | $141.3M | 9.4% | 1.05% | vs |
| Canton Co-operative BankBank Canton, MA | 83 out of 100, Strong | $154.8M | 15.3% | 0.06% | vs |
| Stoughton Co-operative BankBank Stoughton, MA | 70 out of 100, Strong | $135.2M | 10.0% | 0.00% | vs |
| 42 North Private BankBank Canton, MA | 50 out of 100, Below average | $182.2M | 7.7% | 0.03% | vs |
| Wrentham Co-operative BankBank Wrentham, MA | 62 out of 100, Moderate | $192.6M | 8.3% | 0.00% | vs |
| Commonwealth Co-operative BankBank Hyde Park, MA | 73 out of 100, Strong | $205.0M | 16.3% | 0.50% | vs |
Deposit insurance
Is my money safe at Millbury National Bank?
Yes. Millbury National Bank is an FDIC-insured institution (FDIC certificate #2616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.0% of deposits ($22.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.81% (benchmark: 10%).
1 location
Branches
Millbury National Bank lists 1 office in 1 city. Most locations:
- Millbury, MA (1)
HMDA 2025
Mortgage lending
In 2025, Millbury National Bank reported 62 home-loan applications under HMDA (LEI 549300R4DYQY768S1R28): 35 originated ($18,025,000 total), 9 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.1%, 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
- Millbury National Bank
- Type
- National bank
- FDIC certificate #
- 2616
- RSSD ID
- 881900
- Primary regulator
- OCC
- Established
- November 15, 1933
- Headquarters
- 18 Main St, Millbury, MA 01527
- Website
- www.mnbonline.com
- Employees
- 24
Quick answers
Millbury National Bank: common questions
Is Millbury National Bank FDIC insured?
Yes. Millbury National Bank is an FDIC-insured institution (FDIC certificate #2616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Millbury National Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Millbury National Bank ever failed?
There is no failure record for FDIC certificate #2616 in the FDIC failed bank list.
How many branches does Millbury National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Millbury
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Allcom Credit UnionCredit union Worcester, MA | 85 out of 100, Very strong | $81.8M | 16.6% | 0.07% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |
| Worcester Fire Dept. Credit UnionCredit union Worcester, MA | 78 out of 100, Strong | $47.1M | 13.2% | 0.91% | vs |
| Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI | 78 out of 100, Strong | $9.2M | 19.3% | 0.95% | vs |