New Millennium Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks New Millennium Bank of Fort Lee, NJ 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 | 1.46% | 1.34% | +0.12% | 60th above |
| ROAE | 10.10% | 13.32% | -3.22% | 37th below |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 47.79% | 61.15% | -13.36% | 85th top |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets | 6.10% | 5.67% | +0.43% | 73rd above |
| Cost of Funds | 2.93% | 1.88% | +1.05% | 6th bottom |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.94% | -0.33% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.70% | -0.17% | 37th below |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 234.09% | 1539.92% | -1305.83% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.49% | 7.33% | -2.84% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.34% | 19.50% | +1.84% | 81st top |
| Tier 1 Ratio | 21.34% | 19.53% | +1.81% | 81st top |
| Total Capital Ratio | 22.59% | 20.62% | +1.97% | 81st top |
| Leverage Ratio | 14.57% | 12.14% | +2.43% | 84th top |
| Equity / Assets | 14.61% | 11.37% | +3.24% | 87th top |
| TCE / Tangible Assets | 14.60% | 11.09% | +3.51% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.83% | 80.62% | +22.21% | 8th bottom |
| Core Deposit Ratio | 65.88% | 86.88% | -21.00% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.24% | 6.86% | -11.10% | 6th bottom |
| Loan Growth (Y/Y) | -5.24% | 7.91% | -13.15% | 7th bottom |
| Deposit Growth (Y/Y) | -4.60% | 6.30% | -10.90% | 7th bottom |
See New Millennium Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock New Millennium 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 New Millennium Bank profile, how to read a UBPR, or how this data updates.