| Metric | Millennium Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +48.4% | +4.9% | +43.5 pts |
| Deposit growth (YoY) | +51.4% | +4.3% | +47.1 pts |
| Loan growth (YoY) | +47.9% | +5.3% | +42.5 pts |
| ROA | -0.64% | 1.28% | -1.9 pts |
| ROE | -7.1% | 12.4% | -19.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $780.8M | $704.3M | $596.1M | $67.0M | $-2.5M | -0.64% | 4.57% | 0.62% |
| Q1 2026 | $789.1M | $705.7M | $609.8M | $72.7M | $1.2M | 0.61% | 4.46% | 1.48% |
| Q4 2025 | $791.8M | $707.8M | $596.8M | $73.1M | $5.2M | 0.91% | 4.57% | 1.51% |
| Q3 2025 | $514.9M | $452.3M | $409.1M | $54.8M | $3.2M | 0.81% | 4.34% | 2.80% |
| Q2 2025 | $526.1M | $465.2M | $403.1M | $53.3M | $1.9M | 0.74% | 4.34% | 2.87% |
| Q1 2025 | $527.7M | $466.6M | $418.6M | $55.8M | $1.9M | 1.43% | 4.44% | 0.24% |
| Q4 2024 | $512.4M | $450.2M | $419.5M | $57.0M | $8.2M | 1.56% | 4.21% | 0.25% |
| Q3 2024 | $524.7M | $462.3M | $419.0M | $56.4M | $5.9M | 1.50% | 4.16% | 0.21% |
Loan mix (Q2 2026): real estate $521.6M · commercial $73.7M · consumer $3.3M · securities $69.7M
| Ratio | Millennium Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.64% | 1.28% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -7.1% | 12.4% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 61.2% | 91th |
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.