| Metric | New Millennium Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +4.9% | -9.1 pts |
| Deposit growth (YoY) | -4.6% | +4.3% | -8.9 pts |
| Loan growth (YoY) | -5.4% | +5.3% | -10.8 pts |
| ROA | 1.31% | 1.28% | +0.0 pts |
| ROE | 9.5% | 12.4% | -3.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $899.1M | $761.7M | $772.0M | $131.3M | $6.1M | 1.31% | 3.42% | 0.51% |
| Q1 2026 | $924.7M | $789.8M | $783.4M | $127.8M | $2.8M | 1.19% | 3.26% | 0.41% |
| Q4 2025 | $953.0M | $822.2M | $788.0M | $124.7M | $10.9M | 1.17% | 3.39% | 0.48% |
| Q3 2025 | $928.7M | $795.0M | $804.8M | $121.5M | $7.9M | 1.13% | 3.37% | 0.41% |
| Q2 2025 | $938.9M | $798.4M | $816.1M | $118.3M | $4.9M | 1.05% | 3.27% | 0.43% |
| Q1 2025 | $923.9M | $801.9M | $788.9M | $114.3M | $2.1M | 0.92% | 3.13% | 0.28% |
| Q4 2024 | $913.7M | $795.2M | $772.5M | $111.6M | $8.1M | 0.94% | 3.21% | 0.30% |
| Q3 2024 | $895.4M | $778.4M | $762.9M | $108.7M | $5.9M | 0.94% | 3.25% | 0.31% |
Loan mix (Q2 2026): real estate $746.7M · commercial $39.6M · consumer $1K · securities $3.4M
| Ratio | New Millennium Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 61.2% | 18th |
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 | New 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 | New 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 | New 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 | New 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.