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New Millennium Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 35151

Designations: ✓ Minority Depository Institution

Fort Lee, NJ

9 branches across NJ · NY · GA

2664 banks in the $100M-$1B peer group nationally 23 in NJ
View $100M-$1B leaderboard (NJ) →

New Millennium Bank has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 14.06% below tier average
  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.5% in tier
  • - Liquidity Strain: Bottom 24.3% in tier
  • - Credit Quality Pressure: Bottom 33.0% in tier
  • - Deposit Outflow: Bottom 33.2% in tier
  • - Flatlined Growth: Bottom 47.7% in tier
  • - ROA 0.08% below tier average
  • - Net Interest Margin 0.67% below tier average
Get updates when New Millennium Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $924.7M
+0.1% YoY -3.0% QoQ
+$538.6M $386.1M
+0.5% YoY
$4.1B
+2.0% YoY
$6.2B
+9.1% YoY
Top 2.9% in tier
Total Loans ? $783.4M
-0.7% YoY -0.6% QoQ
+$527.7M $255.7M
+1.1% YoY
$3.1B
+1.9% YoY
$3.2B
+10.8% YoY
Top 0.6% in tier
Total Deposits ? $789.8M
-1.5% YoY -3.9% QoQ
+$461.9M $328.0M
+0.1% YoY
$3.3B
+2.8% YoY
$4.8B
+8.2% YoY
Top 2.8% in tier
Return on Assets ? 1.19%
+28.5% YoY +1.4% QoQ
-0.08% 1.27%
+12.9% YoY
0.42%
-40.1% YoY
1.23%
+13.4% YoY
49%
Net Interest Margin ? 3.26%
+4.2% YoY -3.9% QoQ
-0.67% 3.93%
+6.0% YoY
3.07%
+6.4% YoY
3.89%
+5.7% YoY
20%
Efficiency Ratio ? 51.23%
-15.5% YoY -1.5% QoQ
-14.06% 65.29%
-4.5% YoY
81.63%
+9.7% YoY
66.95%
-4.1% YoY
82%
Delinquency Rate ? 0.48%
+47.4% YoY -16.9% QoQ
-0.40% 0.89%
+18.8% YoY
0.74%
-28.2% YoY
0.95%
+18.8% YoY
46%
Loan-to-Deposit Ratio ? 99.19%
+0.8% YoY +3.5% QoQ
+22.55% 76.64%
+0.8% YoY
82.02%
-3.5% YoY
76.70%
+0.9% YoY
Bottom 9.3% in tier
Non-Interest-Bearing Deposit Share ? 18.56%
-7.5% YoY +3.6% QoQ
-3.46% 22.02%
-1.0% YoY
16.85%
-1.4% YoY
22.01%
-1.2% YoY
39%
Nonperforming Asset Ratio ? 0.41%
+46.2% YoY -14.9% QoQ
-0.23% 0.64%
+19.7% YoY
0.57%
-26.7% YoY
0.67%
+19.3% YoY
43%
Tier 1 Capital Ratio ? 20.55%
+12.2% YoY +2.1% QoQ
+4.72% 15.83%
+1.5% YoY
20.47%
+20.0% YoY
17.06%
+0.8% YoY
Top 12.2% in tier
Non-Interest Income / Assets ? 0.10%
+35.3% YoY -60.7% QoQ
-0.18% 0.28%
+9.3% YoY
0.39%
-6.4% YoY
0.32%
+4.1% YoY
53%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Liquidity Overhang

risk
#101 of 739 • Bottom 13.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.55%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 99.19%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#157 of 643 • Bottom 24.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 99.19%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#433 of 1308 • Bottom 33.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.48%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#169 of 506 • Bottom 33.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

Flatlined Growth

risk
#245 of 512 • Bottom 47.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.19%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

17
Total Loans
size
Value: $783.42M
Peer Median: $255.72M
#17 of 2664 Top 0.6% in $100M-$1B
75
Total Deposits
size
Value: $789.83M
Peer Median: $327.97M
#75 of 2664 Top 2.8% in $100M-$1B
78
Total Assets
size
Value: $924.66M
Peer Median: $386.08M
#78 of 2664 Top 2.9% in $100M-$1B
325
Tier 1 Capital Ratio
capital
Value: 20.55%
Peer Median: 15.83%
#325 of 2664 Top 12.2% in $100M-$1B
484
Efficiency Ratio
profitability
Value: 51.23%
Peer Median: 65.29%
#484 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (2 metrics)

2416
Loan-to-Deposit Ratio
liquidity
Value: 99.19%
Peer Median: 76.64%
#2416 of 2664 Bottom 9.3% in $100M-$1B
2126
Net Interest Margin
profitability
Value: 3.26%
Peer Median: 3.93%
#2126 of 2664 Bottom 20.2% in $100M-$1B
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