Bank Comparison
First Liberty Bank vs Millennium Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
20 · 2
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Liberty Bank | Millennium Bank |
|---|---|---|
| CET1 Ratio | 13.11% | 11.64% |
| Tier 1 Capital Ratio | 13.11% | 11.64% |
| Total Capital Ratio | 14.36% | 12.89% |
| Tier 1 Leverage Ratio | 11.47% | 9.65% |
| Equity / Assets | 11.52% | 9.57% |
Profitability
| Metric | First Liberty Bank | Millennium Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 0.63% |
| Return on Equity (ROE) | 8.66% | 6.39% |
| Net Interest Margin (NIM) | 3.97% | 2.97% |
| Yield on Earning Assets | 6.60% | 6.11% |
| Cost of Funds | 2.95% | 3.35% |
Asset quality
| Metric | First Liberty Bank | Millennium Bank |
|---|---|---|
| Texas Ratio | 17.31% | 36.29% |
| Non-Performing Loan Ratio | 2.63% | 4.31% |
| Non-Performing Asset Ratio | 2.22% | 3.69% |
| Net Charge-Off Ratio | 0.00% | 0.26% |
| ACL / Loans | 1.57% | 1.44% |
Balance sheet
| Metric | First Liberty Bank | Millennium Bank |
|---|---|---|
| Total Assets | $835,338K | $835,398K |
| Total Deposits | $720,622K | $678,743K |
| Total Loans | $706,609K | $676,349K |
| Total Equity | $96,205K | $79,940K |
| Net Income (quarter) | $2,069K | $1,271K |
Liquidity & funding
| Metric | First Liberty Bank | Millennium Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.06% | 99.65% |
| Core Deposit Ratio | 85.06% | 85.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Liberty Bank | Millennium Bank |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | DES PLAINES |
| Headquarters State | OK | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 95 | 73 |
| Established | Dec. 12, 1933, midnight | July 2, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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