Side-by-side · Q2 2026 data
Bank of Millbrook vs Carthage Savings and Loan, National Association
Bank
Carthage Savings and Loan, National Association
Carthage, New York · $100 million – $1 billion
Metric by metric
| Measure | Bank of Millbrook | Carthage Savings and Loan, National Association |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 71 | 79 (stronger) |
| Loan quality | 41 | 89 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 86 (stronger) | 66 |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 53rd | 68th |
| Total assets | $311.7M | $312.1M |
| Deposits / shares | $269.8M | $257.4M |
| Capital ratio | 12.11% | 12.86% (stronger) |
| Problem loans | 1.76% | 0.32% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 2.23% (stronger) | 0.96% |
| Loans ÷ deposits | 50.3% (stronger) | 91.6% |
| Uninsured deposits | 28.2% | 17.4% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.2% | 11.6% |
Carthage Savings and Loan, National Association has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Millbrook leads on 3 and Carthage Savings and Loan, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.