Side-by-side · Q2 2026 data
Millbury National Bank vs Middlesex Savings Bank
Metric by metric
| Measure | Millbury National Bank | Middlesex Savings Bank |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 45 | 84 (stronger) |
| Loan quality | 85 | 89 (stronger) |
| Earnings | 54 (stronger) | 49 |
| Funding & liquidity | 66 | 80 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 29th | 88th |
| Total assets | $146.5M | $6.1B |
| Deposits / shares | $123.4M | $5.2B |
| Capital ratio | 9.51% | 13.44% (stronger) |
| Problem loans | 0.44% | 0.33% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.85% (stronger) | 0.72% |
| Loans ÷ deposits | 90.5% | 72.5% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 22.4% |
| Offices | 1 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | 10.3% |
Middlesex Savings Bank has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Millbury National Bank leads on 2 and Middlesex Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.