Millennial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Millennial Bank of Leeds, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.76% | 1.34% | -0.58% | 21st bottom |
| ROAE | 9.75% | 13.31% | -3.56% | 34th below |
| Net Interest Margin | 4.44% | 3.93% | +0.51% | 77th top |
| Efficiency Ratio | 72.16% | 61.14% | +11.02% | 24th bottom |
| PPNR / Avg Assets | 1.18% | 1.68% | -0.50% | 28th below |
| Yield on Earning Assets | 6.72% | 5.67% | +1.05% | 92nd top |
| Cost of Funds | 2.04% | 1.88% | +0.16% | 35th below |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.37% | 0.16% | +0.21% | 8th bottom |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 100.00% | 1395.87% | -1295.87% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.52% | 19.51% | -9.99% | 1st bottom |
| Tier 1 Ratio | 9.52% | 19.54% | -10.02% | 1st bottom |
| Total Capital Ratio | 10.45% | 20.62% | -10.17% | 1st bottom |
| Leverage Ratio | 8.78% | 12.14% | -3.36% | 9th bottom |
| Equity / Assets | 7.94% | 11.38% | -3.44% | 13th bottom |
| TCE / Tangible Assets | 7.94% | 11.09% | -3.15% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.08% | 80.64% | +8.44% | 30th below |
| Core Deposit Ratio | 89.21% | 86.86% | +2.35% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.85% | 6.85% | +4.00% | 85th top |
| Loan Growth (Y/Y) | 17.91% | 7.90% | +10.01% | 91st top |
| Deposit Growth (Y/Y) | 10.23% | 6.29% | +3.94% | 83rd top |
See Millennial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Millennial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Millennial Bank profile, how to read a UBPR, or how this data updates.