New Millennium Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.24 percentage points higher than in Q1 2026, at 102.83%. Within New Jersey, New Millennium Bank is 11th of 49 on loan-to-deposit ratio, 102.83% as of Q2 2026, above the middle of the field. New Millennium Bank reported 102.83% on loan-to-deposit ratio for Q2 2026, 21.99 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $109.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $112.7M |
| Fed funds sold and reverse repos | $35K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.83% |
| Net loans and leases to deposits | 101.35% |
| Loans and leases to core deposits | 141.91% |
| Core deposits to total deposits | 65.88% |
| Brokered deposits to total deposits | 6.57% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 99.73% | 68.81% | $0 | $0 |
| Q4 2023 | 101.83% | 66.95% | $0 | $0 |
| Q1 2024 | 100.73% | 65.98% | $0 | $0 |
| Q2 2024 | 99.69% | 64.10% | $0 | $0 |
| Q3 2024 | 99.24% | 65.60% | $0 | $0 |
| Q4 2024 | 98.42% | 63.71% | $0 | $0 |
| Q1 2025 | 99.65% | 63.06% | $0 | $0 |
| Q2 2025 | 103.52% | 61.22% | $0 | $15.0M |
| Q3 2025 | 102.58% | 61.98% | $0 | $5.0M |
| Q4 2025 | 97.14% | 62.06% | $0 | $0 |
| Q1 2026 | 100.59% | 65.71% | $0 | $0 |
| Q2 2026 | 102.83% | 65.88% | $0 | $0 |
New Millennium Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Millennium Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full New Millennium Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35151) · FFIEC NIC profile (RSSD 2833882)