| Metric | Millennial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +17.9% | +5.6% | +12.3 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 9.5% | 11.9% | -2.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.3M | $183.9M | $162.1M | $16.0M | $741K | 0.75% | 4.44% | 0.00% |
| Q1 2026 | $199.9M | $182.9M | $154.4M | $15.5M | $358K | 0.73% | 4.39% | 0.05% |
| Q4 2025 | $194.8M | $169.9M | $151.9M | $15.2M | $1.3M | 0.70% | 4.59% | 0.20% |
| Q3 2025 | $189.6M | $173.8M | $142.2M | $14.6M | $900K | 0.67% | 4.51% | 0.21% |
| Q2 2025 | $181.6M | $166.8M | $137.5M | $13.7M | $560K | 0.64% | 4.46% | 0.22% |
| Q1 2025 | $176.5M | $161.8M | $129.2M | $13.6M | $244K | 0.56% | 4.19% | 1.35% |
| Q4 2024 | $171.0M | $156.6M | $125.4M | $13.2M | $1.0M | 0.62% | 4.51% | 1.19% |
| Q3 2024 | $172.3M | $157.9M | $130.3M | $13.4M | $701K | 0.57% | 4.51% | 0.18% |
Loan mix (Q2 2026): real estate $139.3M · commercial $23.7M · consumer $568K · securities $19.4M
| Ratio | Millennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 62.9% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Millennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Millennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Millennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Millennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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