| Metric | Millennium Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.9% | -3.1 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.9 pts |
| ROA | 0.59% | 1.28% | -0.7 pts |
| ROE | 6.2% | 12.4% | -6.2 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $844.5M | $693.2M | $657.3M | $79.4M | $2.5M | 0.59% | 3.05% | 3.64% |
| Q1 2026 | $835.4M | $678.7M | $666.6M | $79.9M | $1.3M | 0.62% | 3.00% | 3.78% |
| Q4 2025 | $811.0M | $665.3M | $642.9M | $79.1M | $4.3M | 0.56% | 3.15% | 3.33% |
| Q3 2025 | $809.0M | $689.0M | $608.2M | $79.7M | $3.8M | 0.67% | 3.24% | 2.41% |
| Q2 2025 | $829.7M | $659.6M | $618.7M | $77.8M | $2.0M | 0.55% | 3.18% | 2.20% |
| Q1 2025 | $735.8M | $598.5M | $546.2M | $82.0M | $3.3M | 1.91% | 3.23% | 1.80% |
| Q4 2024 | $654.6M | $515.6M | $473.5M | $78.6M | $7.5M | 1.37% | 3.29% | 1.60% |
| Q3 2024 | $597.4M | $440.4M | $442.6M | $76.5M | $4.5M | 1.15% | 3.22% | 3.92% |
Loan mix (Q2 2026): real estate $577.4M · commercial $89.3M · consumer $641K · securities $496K
| Ratio | Millennium Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 61.2% | 71th |
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 | Millennium 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 | Millennium 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 | Millennium 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 | Millennium Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.