BlastPoint's Banking Scorecard
Millennial Bank
Leeds, AL
2 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +10.2% year over year ($183.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.75%.
- Efficiency ratio 73.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Millennial Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency Ratio 9.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.3M
+10.9% YoY
+0.7% QoQ
|
-$185.2M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$162.1M
+17.9% YoY
+4.9% QoQ
|
-$96.3M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$183.9M
+10.2% YoY
+0.5% QoQ
|
-$142.9M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
0.75%
+17.5% YoY
+2.8% QoQ
|
-0.58% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
4.44%
-0.3% YoY
+1.2% QoQ
|
+0.46% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
73.53%
-3.8% YoY
-1.0% QoQ
|
+9.05% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
88.15%
+6.9% YoY
+4.4% QoQ
|
+10.19% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
9.71%
-2.9% YoY
-6.6% QoQ
|
-12.32% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.0% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.52%
-7.8% YoY
-0.6% QoQ
|
-6.39% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.0% in tier |
| Non-Interest Income / Assets ? |
0.12%
-9.4% YoY
+92.1% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
24% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
9.7%
-0.3pp YoY -0.7pp QoQ |
-12.4pp | 22.1% | 24.0% | 22.2% | 10% |
| Brokered Deposits |
20.2%
+14.9pp YoY +11.0pp QoQ |
+12.3pp | 7.9% | 5.5% | 8.5% | 91% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.6%
-2.1pp YoY -0.7pp QoQ |
+3.1pp | 11.6% | 16.9% | 12.5% | 74% |
| CRE |
61.4%
+2.3pp YoY 0.0pp QoQ |
+21.8pp | 39.5% | 43.5% | 41.4% | 86% |
| 1-4 Family |
22.2%
-2.1pp YoY -1.4pp QoQ |
-10.5pp | 32.6% | 30.6% | 31.3% | 35% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 5.7% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
9.5%
-0.8pp YoY -0.1pp QoQ |
-9.3pp | 18.8% | 15.1% | 19.7% | 0% |
| Leverage Ratio |
8.8%
-0.1pp YoY +0.1pp QoQ |
-3.4pp | 12.2% | 13.2% | 12.6% | 9% |
| Total Capital Ratio |
10.5%
-0.8pp YoY -0.1pp QoQ |
-9.5pp | 19.9% | 16.2% | 20.8% | 0% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+1 (+5.3%) YoY 0 QoQ |
-39 | 58 | 304 | 482 | 11% |
| Assets per Employee ($) |
$10.1M
+5.3% YoY +0.7% QoQ |
+$2.5M | $7.5M | $6.9M | $8.8M | 86% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 20 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.2% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 7.50x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
+1.2pp YoY +0.2pp QoQ |
-2.7pp | 12.2% | 10.0% | 11.6% | 34% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.7% | 1.7% | 86% |
| Net Income ($, YTD) |
$741,000
+32.3% YoY — QoQ |
-$1.8M | $2.6M | $17.2M | $40.4M | 18% |
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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.