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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

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 25 in NJ.
  • Deposits -4.6% year over year ($761.7M on the books).
  • Delinquency rate 0.59%.
  • Return on assets 1.31%.
  • Efficiency ratio 49.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

New Millennium Bank has 2 strengths but faces 6 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 15.00% below tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.3% in tier
  • - Liquidity Overhang: Bottom 11.9% in tier
  • - Credit Quality Pressure: Bottom 31.8% in tier
  • - Deposit Outflow: Bottom 43.2% in tier
  • - Capital Constraint: Bottom 83.2% in tier
  • - Net Interest Margin 0.56% below tier average
Get updates when New Millennium Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $899.1M
-4.2% YoY -2.8% QoQ
+$512.5M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Top 3.6% in tier
Total Loans ? $772.0M
-5.4% YoY -1.5% QoQ
+$513.7M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Top 0.6% in tier
Total Deposits ? $761.7M
-4.6% YoY -3.6% QoQ
+$435.0M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Top 3.9% in tier
Return on Assets ? 1.31%
+24.5% YoY +10.2% QoQ
-0.01% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 3.42%
+4.7% YoY +5.0% QoQ
-0.56% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 49.48%
-14.2% YoY -3.4% QoQ
-15.00% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.59%
+19.6% YoY +22.7% QoQ
-0.33% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 101.35%
-0.8% YoY +2.2% QoQ
+23.40% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Bottom 8.4% in tier
Non-Interest-Bearing Deposit Share ? 18.96%
+6.6% YoY +2.1% QoQ
-3.07% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.51%
+18.2% YoY +24.4% QoQ
-0.16% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 21.34%
+14.7% YoY +3.8% QoQ
+5.43% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Top 11.4% in tier
Non-Interest Income / Assets ? 0.18%
+21.1% YoY +75.4% QoQ
-0.39% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
43%

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 (NJ) National Avg Tier Percentile
Noninterest-Bearing 19.0%
+1.2pp YoY
+0.4pp QoQ
 -3.2pp 22.1% 16.6% 22.2% 40%
Brokered Deposits 6.6%
-5.8pp YoY
+0.5pp QoQ
 -1.3pp 7.9% 10.1% 8.5% 61%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 5.1%
+0.3pp YoY
+0.3pp QoQ
 -6.4pp 11.6% 6.5% 12.5% 20%
CRE 52.8%
+4.3pp YoY
+0.3pp QoQ
 +13.2pp 39.5% 56.3% 41.4% 75%
1-4 Family 43.9%
-4.4pp YoY
-0.5pp QoQ
 +11.2pp 32.6% 39.4% 31.3% 76%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.3% 5.0% 0%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 21.3%
+2.7pp YoY
+0.8pp QoQ
 +2.5pp 18.8% 18.8% 19.7% 81%
Leverage Ratio 14.6%
+1.5pp YoY
+1.2pp QoQ
 +2.4pp 12.2% 13.4% 12.6% 84%
Total Capital Ratio 22.6%
+2.7pp YoY
+0.8pp QoQ
 +2.7pp 19.9% 19.8% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 68
-5 (-6.8%) YoY
-1 (-1.4%) QoQ
 +9 58 336 482 69%
Assets per Employee ($) $13.2M
+2.8% YoY
-1.3% QoQ
 +$5.7M $7.5M $11.2M $8.8M 95%
Branch Count 9
0 YoY
0 QoQ
 +4 4 20 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
 -0.1pp 0.3% 0.1% 0.4% 67%
Nonaccrual 0.4%
-0.1pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 46%
Allowance Coverage 2.45x
-5.2% YoY
-16.3% QoQ
 -21.71x 24.15x 6.57x 20.23x 53%
Net Charge-off Rate (YTD) -0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 9.5%
+1.0pp YoY
+0.6pp QoQ
 -2.7pp 12.2% 6.4% 11.6% 33%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
-0.1pp QoQ
 +0.9pp 1.7% 1.9% 1.7% 92%
Net Income ($, YTD) $6.1M
+24.5% YoY
— QoQ
 +$3.5M $2.6M $19.8M $40.4M 92%

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 Strain

risk
#79 of 691 • Bottom 11.3% 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: 101.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#89 of 742 • Bottom 11.9% 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: 21.34%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 101.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#400 of 1256 • Bottom 31.8% in tier

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

Why this signature
Delinquency Rate: 0.59%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#232 of 535 • Bottom 43.2% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Capital Constraint

risk
#90 of 107 • Bottom 83.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 101.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 21.34%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

18
Total Loans
size
Value: $772.02M
Peer Median: $258.35M
#18 of 2643 Top 0.6% in $100M-$1B
97
Total Assets
size
Value: $899.08M
Peer Median: $386.57M
#97 of 2643 Top 3.6% in $100M-$1B
104
Total Deposits
size
Value: $761.70M
Peer Median: $326.73M
#104 of 2643 Top 3.9% in $100M-$1B
303
Tier 1 Capital Ratio
capital
Value: 21.34%
Peer Median: 15.91%
#303 of 2643 Top 11.4% in $100M-$1B
421
Efficiency Ratio
profitability
Value: 49.48%
Peer Median: 64.48%
#421 of 2643 Top 15.9% in $100M-$1B

Top Weaknesses (2 metrics)

2422
Loan-to-Deposit Ratio
liquidity
Value: 101.35%
Peer Median: 77.95%
#2422 of 2643 Bottom 8.4% in $100M-$1B
2006
Net Interest Margin
profitability
Value: 3.42%
Peer Median: 3.99%
#2006 of 2643 Bottom 24.1% in $100M-$1B
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