New Millennium Bank
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Data as of · sourced from FFIEC call reports. How we update
New Millennium Bank is an FDIC-insured commercial bank headquartered in Fort Lee, NJ, established in 1999 (FDIC certificate 35151), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $899.1M, down 4.2% from Q2 2025, the 25th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 21.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35151
- Headquarters
- Fort Lee, NJ
- Established
- 1999
- Total assets, Q2 2026
- $899.1M
- Assets vs Q2 2025
- -4.2%
- CET1 ratio, Q2 2026
- 21.34%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 021213371
- Latest call report
- Q2 2026, FFIEC 051 · New Millennium Bank call report
- Holding company
- NMB FINANCIAL CORPORATION
- Asset rank in state
- 25th of 49 in New Jersey
New Millennium Bank pays more for its money than most banks of its size. Its balance sheet stood at $899 million at June 30, 2026, down 4.2% from a year earlier; it is based in Fort Lee, New Jersey. It pays an average of 2.93% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 5.2% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter rose 19% from a year earlier, to $3.3 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.58% of loans from 0.33% a year earlier.
As of June 30, 2026, New Millennium Bank reported a CET1 capital ratio of 21.34%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 3.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, New Millennium Bank is the 25th largest of the 49 banks headquartered in New Jersey. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.8% to $899.1M, loans fell 1.4% and deposits fell 3.6%. 1-4 family residential loans made up 43.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.3%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities across 3 states; its Fort Lee 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, New Millennium Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Bridge Plz S, Fort Lee, NJ 07024
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 19, 1999
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $761.7M
- Allowance for credit losses
- $11.2M
- Net charge-offs (YTD)
- -$225K
- Average total assets
- $898.3M
- Average total loans
- $790.9M
- Average interest-bearing deposits
- $617.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 19, 1999
- FDIC Cert
- 35151
- Fed RSSD
- 2833882
- Website
- https://WWW.NMBONLINE.COM →
- Parent Holding Company
- NMB FINANCIAL CORPORATION (RSSD 5011832)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, New Millennium Bank's total assets ran between $766.9M (Q3 2023) and $953.0M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$899.1M total assets against $938.9M; $767.8M total liabilities against $820.6M.
$772.0M net loans and leases against $816.1M; $761.7M total deposits against $798.4M.
$3.4M securities against $2.4M; $109.3M cash and balances due against $104.5M.
$13.6M total interest income against $14.0M; $5.6M total interest expense against $6.2M.
$8.0M net interest income against $7.8M.
$659K total noninterest income against $684K; $4.2M total noninterest expense against $4.7M.
$0 provision for credit losses against $0.
$3.3M net income against $2.7M.
1.46% return on assets against 1.22%; 3.60% net interest margin against 3.48%.
21.34% CET1 capital ratio against 18.60%; 14.57% tier 1 leverage ratio against 13.06%.
Inside the full New Millennium Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
New Millennium Bank rankings
Its closest position to the top of a national ranking is 276 of 2,134, for CET1 ratio; its furthest is 1,809 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2025) to 1.46% (Q2 2026) and its net interest margin ran from 3.08% (Q4 2024) to 3.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.34% | 1.46% | 0.58% | 3.18% | 3.60% |
| Q1 2026 | 20.55% | 1.17% | 0.48% | 2.68% | 3.17% |
| Q4 2025 | 20.13% | 1.29% | 0.57% | 3.33% | 3.44% |
| Q3 2025 | 19.59% | 1.30% | 0.46% | 1.98% | 3.53% |
| Q2 2025 | 18.60% | 1.22% | 0.49% | 2.15% | 3.48% |
| Q1 2025 | 18.32% | 0.93% | 0.32% | 1.97% | 3.11% |
| Q4 2024 | 18.34% | 0.97% | 0.35% | 2.12% | 3.08% |
| Q3 2024 | 18.09% | 1.11% | 0.36% | 2.21% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Millennium Bank (main office) | Fort Lee , NJ | 07024 | $166.6M |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $97.5M |
| Palisafes Park Branch | Palisades Park , NJ | 07650 | $96.9M |
| Brunswick Town Center Branch | New Brunswick , NJ | 08901 | $95.2M |
| Bayside Branch | Bayside , NY | 11361 | $85.6M |
| Duluth Branch Office | Duluth , GA | 30096 | $81.4M |
| Piermont Road Branch Office | Closter , NJ | 07624 | $58.6M |
| Flushing Branch | Flushing , NY | 11354 | $49.9M |
| Manhattan Branch | New York , NY | 10001 | $30.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NJ, rank 52 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 32 loans, $38.0M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about New Millennium Bank
What are New Millennium Bank's total assets?
As of the Q2 2026 filing, New Millennium Bank reported total assets of $899.1 million in its FFIEC call report.
Where is New Millennium Bank headquartered?
It is headquartered in Fort Lee, NJ, United States.
When was New Millennium Bank founded?
It was established in 1999, per the FDIC institution directory.
Is New Millennium Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35151). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Millennium Bank?
New Millennium Bank's primary federal regulator is the FDIC.
What is New Millennium Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does New Millennium Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Millennium Bank's Texas Ratio?
Its Texas Ratio is 3.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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