# BANK OF MILLBROOK
MILLBROOK, NY · FDIC certificate 618 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $311.7M | |
| Deposits | $269.8M | |
| Loans and leases | $138.3M | |
| Total equity | $39.0M | |
| Loans / deposits | 50.30% (p6 of band) | 82.04% |
| Liquid assets / assets | 52.36% (p94 of band) | |
| Uninsured deposits / deposits | 28.17% (p60 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.11% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -3.21% (p71 of band) | -8.10% |
| AOCI / equity | -3.25% (p3 of band) | |
| ROA (annualized) | 2.23% (p91 of band) | 1.28% |
| Net interest margin | 4.61% (p85 of band) | 3.91% |
| Efficiency ratio | 49.81% (p18 of band) | |
| Noncurrent loans | 1.76% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 108.32% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 7.91% (p12 of band) | |
| Auto loans | $240,000 (0.17% of loans; DQ 5.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 44 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 0 |  | deposits shrinking |
| 2024-12 | 1 | deposits shrinking |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | deposits shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-13 [Bank of Millbrook branch to open in Millerton on Aug. 16 - The Millerton News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOak1SbUJ5R3g3VnU3WjFNbE9uNnZ6X0ZnUUVWWjFKTGFOM0NyVXBVcEY0aTNZaElidEI1M1hmQmF2TmZUZXRhbnItc1J4cXpFUVZ5eE02TFhtcDJPN0lzMkJDZFZ6UVdDNXotazFUREFHbXNBdksteU9uMkU4T0hIR0dhRmp2ZjNf?oc=5) · The Millerton News
- 2021-08-03 [How a bank formed by Millbrook citizens has operated, family-run, for 130 years - The Poughkeepsie Journal](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQQV9zNVdqSk5MZW1Fd1JvNERqTG5iMkc0S3BBbWZIOHc4Ry1CZ0JydFNZSjFIYTdfVDJ3SGlfYUU3YjZPZ2QwUm5yU0oycmFCTjVsNGdtb1dCN18zdTNySnVIdGcxM3F2VGJxeDc2SjhYX0ZOUl9ldjRqLU9WdWFHWFNFVmdQUnIzV0NsTm82UTZVc1c4eUtUblZtTHlsQlQ0WDRxeG1naVdTc2dvb3gzVDNGS1dPY2FfRWZaS2xlQWlHclJib2t3RQ?oc=5) · The Poughkeepsie Journal
- 2024-09-25 [New Millbrook Bank branch application moves forward - The Millerton News](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdXlDbUJsZlRMVmo1OUVLd1hTc0FRcE1VUkFFSzFsZHVtTXR2dkpYb3h0LVJDY3ZXTXA2TTJtQzdjNldxbXFabUo5a3l2U2VXdVBaTzRyQ1BlOW8yR3lROTRudVFWUldmMXpVMHJxV2NEeWYtTk1BcmR2VkFFYnRUWkJVZw?oc=5) · The Millerton News
- 2017-09-22 [Forged Checks Lead To Arrest Of Amenia Woman: Police - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeTg1Y1hzZmNNbmc0eENYZnhMVmF2WDAzSFpLWkxDa3ZwOVpydTVhcnN6MC1ub0ZiZ1B1Q29LMmlvaks0bVBQSzM2WG1FdG4tc3FQbGlIT0w3TGxoMEdIODZWTVB2SFBGSjdXSVNRLThLdERFS19iaHdWd25uQmRFQ1VkTDQ1d2h5OVA3TnF2SFlpQQ?oc=5) · Patch
- 2018-05-09 [Poughkeepsie man charged with Stanford bank robbery - The Poughkeepsie Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxPUzZMem16R1VDX2VjdGFkZWlPUUV2YVFRTVpCZDdpdFJCYVNWYlRycWU0Y0hWNFNKZWtKdmNXb1VEdDBjQmFlbkE1anhLaDRuZUxEUVdHVmtuODZhcV91b04zTnFBLVgzV0VPeEtRel9ONGRZbHp4Y2hmZjZ3V0ctbWNwdWRrNXg3WG1XVG9ldFFtbWNtaEVQUWZXdzBtVmZOVnBTXzVPR08ycFd1NEIyRG1MdWxBalVKbVd2QmF3?oc=5) · The Poughkeepsie Journal
- 2017-08-18 [Police Still Hoping For Help in Dutchess County Bank Robbery - Hudson Valley Post](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYXJRM3diX0ZiUXNLRlFZX29uLVJxOUE0bFEwdFdPUWF2VHRFcERSMGxsb3BEYjg2bEpWcUFJNVB5cHlRY19DVzUtTUdtcXZrb1V5eEc0Mk54enNHenVob042MnluV2doX0FVVkpobHVCSExlSGFGUTBYel83bTZqckg4V196OEpjbm5FanNxMDlNbE9P?oc=5) · Hudson Valley Post
- 2024-09-04 [Bank of Millbrook still seeking OK for new branch - The Millerton News](https://news.google.com/rss/articles/CBMigAFBVV95cUxPeGhPVFJDeTFaMnJMSGdkdUUtTC1ZQTRVaGFNdkhWODhpRmdpaWJ1d1dDRW1sbUU1Y3BkVFJGMVpFa2p0WnNDWngwdERDYkpsdU9MM2RQRnhUWGkyYWJVbWlINFIzN0FINWNIM1k2dEJYYU81dzNKRDJPdVFrS1NCVg?oc=5) · The Millerton News
- 2024-01-07 [Bank of Millbrook opens in historic location in Amenia - The Millerton News](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRkNrcTI1a19XZk5lMmw5a083VXBjRjdLSGJjQ3ZSZHhVQm1yWG1ELVl3ZjdJOEpBZDZteXBRSlh4bGlONE5nNU1pbjdmXzJxOWxiUlIzV3lhSUJONjk2WEY5V0k1bUNSZVlqQkJOdFUxVmRkYkhLLXhnLVpBck54c3o2Q0w?oc=5) · The Millerton News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=618 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "618", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide