Bank Comparison
Millennium Bank vs Peach State Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Millennium Bank | Peach State Bank & Trust |
|---|---|---|
| CET1 Ratio | 10.00% | 15.11% |
| Tier 1 Capital Ratio | 10.00% | 15.11% |
| Total Capital Ratio | 11.25% | 16.36% |
| Tier 1 Leverage Ratio | 8.33% | 9.69% |
| Equity / Assets | 9.21% | 9.11% |
Profitability
| Metric | Millennium Bank | Peach State Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.61% | 1.31% |
| Return on Equity (ROE) | 6.66% | 14.58% |
| Net Interest Margin (NIM) | 4.41% | 3.75% |
| Yield on Earning Assets | 6.06% | 5.53% |
| Cost of Funds | 1.76% | 1.88% |
Asset quality
| Metric | Millennium Bank | Peach State Bank & Trust |
|---|---|---|
| Texas Ratio | 19.15% | 0.00% |
| Non-Performing Loan Ratio | 2.12% | 0.00% |
| Non-Performing Asset Ratio | 1.66% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 1.26% | 1.18% |
Balance sheet
| Metric | Millennium Bank | Peach State Bank & Trust |
|---|---|---|
| Total Assets | $789,073K | $789,280K |
| Total Deposits | $705,656K | $713,478K |
| Total Loans | $617,534K | $498,190K |
| Total Equity | $72,713K | $71,924K |
| Net Income (quarter) | $1,213K | $2,584K |
Liquidity & funding
| Metric | Millennium Bank | Peach State Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 87.51% | 69.83% |
| Core Deposit Ratio | 84.23% | 96.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Millennium Bank | Peach State Bank & Trust |
|---|---|---|
| Headquarters City | OOLTEWAH | GAINESVILLE |
| Headquarters State | TN | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 15 | 3 |
| Employees (FTE) | 122 | 76 |
| Established | June 21, 1999, midnight | April 27, 2005, 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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