New Millennium Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.69 percentage points lower than in Q1 2026, at 163.59%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $783.2M |
| Net loans and leases | $772.0M |
| Loans held for sale | $0 |
| Loans to total assets | 87.11% |
| Loan-to-deposit ratio | 102.83% |
| Net loans to equity capital | 5.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.48% |
| Multifamily (5+ residential) | 0.24% |
| Commercial and industrial | 5.03% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.59% |
| Construction concentration (Tier 1 capital + allowance) | 6.03% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.43% |
| Interest income on loans | $12.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $658.3M | $660.0M | 47.70% | 5.80% | 0.00% |
| Q4 2023 | $688.3M | $676.0M | 47.46% | 5.63% | 0.00% |
| Q1 2024 | $718.3M | $713.1M | 47.19% | 5.40% | 0.00% |
| Q2 2024 | $746.0M | $748.3M | 47.53% | 5.12% | 0.00% |
| Q3 2024 | $772.4M | $778.4M | 47.51% | 4.53% | 0.00% |
| Q4 2024 | $782.6M | $795.2M | 48.38% | 4.54% | 0.00% |
| Q1 2025 | $799.1M | $801.9M | 47.86% | 4.99% | 0.00% |
| Q2 2025 | $826.5M | $798.4M | 46.13% | 4.79% | 0.00% |
| Q3 2025 | $815.5M | $795.0M | 46.30% | 4.57% | 0.00% |
| Q4 2025 | $798.7M | $822.2M | 49.79% | 4.95% | 0.00% |
| Q1 2026 | $794.5M | $789.8M | 50.37% | 4.76% | 0.00% |
| Q2 2026 | $783.2M | $761.7M | 50.48% | 5.03% | 0.00% |
New Millennium Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Millennium Bank, freeSource: Call Report Schedule RC-C, 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)