BlastPoint's Banking Scorecard
Millennial Bank
Leeds, AL
2 branches across AL
Millennial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency Ratio 8.98% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.9M
+13.3% YoY
+2.6% QoQ
|
-$186.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$154.4M
+19.5% YoY
+1.6% QoQ
|
-$101.3M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$182.9M
+13.1% YoY
+7.6% QoQ
|
-$145.1M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
0.73%
+29.2% YoY
+3.5% QoQ
|
-0.54% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
4.39%
+4.7% YoY
-4.4% QoQ
|
+0.46% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
74.26%
-5.5% YoY
+0.2% QoQ
|
+8.98% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.07%
-96.3% YoY
+149.6% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
84.43%
+5.7% YoY
-5.6% QoQ
|
+7.79% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
10.39%
-7.3% YoY
+6.3% QoQ
|
-11.63% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.6% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-96.1% YoY
-74.2% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
9.58%
-3.6% YoY
-1.6% QoQ
|
-6.25% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.2% in tier |
| Non-Interest Income / Assets ? |
0.06%
-1.2% YoY
-75.0% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
26% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.