Millbury National Bank
Millbury, MA
IDRSSD: 881900
Total Assets
$139.99M
Latest filing
Total Deposits
$113.86M
Latest filing
Net Interest Margin
4.61%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Millbury National Bank
18 Main St
Millbury, MA 01527
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/15/1933FDIC Certificate 1696
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Millbury National Bank (Main) | 18 Main St | Millbury, MA | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/15/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01527 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mnbonline.com |
| Data Updated | 11/14/2025 |
| CERT | 2616 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $139.99M |
| Total Deposits | $113.86M |
| Total Liabilities | $127.55M |
| Total Equity Capital | $12.44M |
| Net Income | $255.00k |
| Net Loans and Leases | $105.76M |
| Assets Per Employee ($Millions) | $6.67M |
| Bank Premises and Fixed Assets | $1.26M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $113.86M |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 8.32% |
| Net Interest Margin | 4.61% |
| Efficiency Ratio | 76.18% |
| Tier 1 Risk-Based Capital Ratio | 13.645% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.884% |
| Earning Assets to total Assets | 96.05% |
Income and Expense
| Total Interest Income | $2.36M |
| Total Noninterest Income | $42.00k |
| Total Interest Expense | $833.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.52M |
| Pre-tax Net Operating Income | $358.00k |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $12.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.69M |
| Total Liabilities and Capital | $139.99M |
Securities
| Securities | $22.23M |
| Available-for-sale debt securities | $22.23M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Millbury National Bank?
$139.99M as of the latest filing.
How much are Millbury National Bank's total deposits?
$113.86M in total deposits.
Where is Millbury National Bank located?
Millbury, MA.
What is the Net Interest Margin?
4.61%.
How many domestic offices does it operate?
1.
When was it established?
11/15/1933.
What is the Return on Assets (ROA)?
0.74%.
How much are total loans and leases?
$105.76M (latest filing).
What is the total interest income (latest filing)?
$2.36M.