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Millbury National Bank

IDRSSD: 881900
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q4QoQ +8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #881900 2024-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.59% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +61

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 93.0%, cash 5.7% of assets.

Cash / Assets
5.73%
Loans / Deposits
92.96%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.34%
No watch items at this period.

Capitalization

StrongQoQ +6
92
Sub-score

Capital position is strong: Tier 1 RBC 13.87%, CET1 13.87%, leverage 9.34%.

Tier 1 RBC
13.87%
CET1
13.87%
Leverage
9.34%
No watch items at this period.

Asset Quality

StrongQoQ -9
85
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD 0.02%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.02%
30-89 PD
2.70%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +61
70
Sub-score

Reserves are stable: ALLL 0.59% of loans, coverage 3089.5%, true coverage 3089.5%.

ALLL / Loans
0.59%
Coverage
3089.5%
True Loss Coverage
3089.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.59% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:56:02 UTC