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Millbury National Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #881900 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.8% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.62% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -1
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.2%, cash 5.0% of assets.

Cash / Assets
4.99%
Loans / Deposits
95.20%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.45%
No watch items at this period.

Capitalization

StrongQoQ -1
89
Sub-score

Capital position is strong: Tier 1 RBC 13.59%, CET1 13.59%, leverage 9.22%.

Tier 1 RBC
13.59%
CET1
13.59%
Leverage
9.22%
No watch items at this period.

Asset Quality

StableQoQ -1
76
Sub-score

Asset quality is stable: Adjusted NPL 2.62%, Texas Ratio 20.8%, NCO YTD 0.02%.

Adjusted NPL
2.62%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
0.02%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.62% (govt-guarantees stripped).

Reserves

RiskQoQ -2
2
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 21.8%, true coverage 21.8%.

ALLL / Loans
0.57%
Coverage
21.8%
True Loss Coverage
21.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.8% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% 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