Bank · FDIC insured
Millbury National Bank
Top CarrotA $146.5M bank headquartered in Millbury, MA, with 1 branch in Massachusetts. Best rates: CDs 4.06% and savings 1.51% APY.
Millbury National Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#10 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Millbury National Bank
Established in June 1825 as The Millbury Bank, the institution changed its name to Millbury National Bank in November 1864.
Headquartered in Millbury, Massachusetts, it serves Central Massachusetts and the Blackstone Valley with a focus on supporting small businesses.
- Headquarters
- 18 Main St, Millbury, MA 01527
- FDIC certificate
- 2616 ↗
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- Millbury National BankMain office18 Main St, Millbury, MA 01527Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.51% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.44% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio9.51%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.44%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Millbury National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.