Millbury National Bank

Overview / Commentary

www.mnbonline.com

508-865-9521

18 Main Street
Millbury, MA 01527

Millbury National Bank is headquartered in Millbury and is the 119^th largest bank in the state of Massachusetts. It is also the 4,310^th largest bank in the nation. It was established in 1933 and as of December of 2018, it had grown to 17 employees at 1 location. Millbury National Bank's money market rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Millbury National Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	2616
Year Established	1933
Employees	17
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	2.92%
Annual Interest Income	$4.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$88.4MM$90.8MM
Loans	Q4 2018vs Q4 2017	$63.8MM$62.9MM
Deposits	Q4 2018vs Q4 2017	$77.6MM$81.0MM
Equity Capital	Q4 2018vs Q4 2017	$9.0MM$9.1MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$435.00K$447.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$781.00K$878.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Millbury National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$100k^*	-	Kasasa Saver
OTHER TIERS: 1.00% → Up to $100k
0.10%	$10	-	Everday Savings
0.10%	$10	-	IRA Savings

Millbury National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$500k^*	-	Money Market
OTHER TIERS: 0.35% → $500 - $100k \| 0.45% → $100k - $250k \| 0.55% → $250k - $350k \| 0.70% → $350k - $500k

Millbury National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%^*	-	$25k	Kasasa Cash
OTHER TIERS: 0.40% → $25k+

Millbury National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$500	-	3 Year CD - Gold Rate
1.75%	$500	-	3 Year CD
1.26%	$500	-	2 Year CD - Gold Rate
1.00%	$500	-	2 Year CD
1.00%	$500	-	1 Year CD - Gold Rate
0.75%	$500	-	1 Year CD
0.75%	$500	-	6 Month CD - Gold Rate
0.50%	$500	-	6 Month CD
0.40%	$1k	-	91 Day CD - Gold Rate
0.15%	$1k	-	91 Day CD

Millbury National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%	$500	-	1 Year IRA
0.50%	$500	-	6 Month IRA

Locations

Millbury National Bank Locations
Millbury National Bank	18 Main Street	Millbury, MA 01527

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