New Millennium Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 36.71 percentage points higher than in Q1 2026, at 234.09%. New Millennium Bank ranks 9th of 49 New Jersey banks on return on assets, in the upper half at 1.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. New Millennium Bank sits 0.20 points higher, at 1.46% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.34% |
| Tier 1 risk-based capital ratio | 21.34% |
| Total risk-based capital ratio | 22.59% |
| Tier 1 leverage ratio | 14.57% |
| Equity capital to assets | 14.61% |
| Tangible equity to tangible assets | 14.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 4.49% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 234.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 10.10% |
| Net interest margin | 3.60% |
| Efficiency ratio | 47.79% |
| Yield on earning assets | 6.10% |
| Cost of funds | 2.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.83% |
| Core deposits to total deposits | 65.88% |
| Brokered deposits to total deposits | 6.57% |
| Deposits to assets | 84.72% |
| Securities to assets | 0.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.78% | 17.78% | 19.04% | 12.89% | 0.98% |
| Q4 2023 | 17.74% | 17.74% | 19.00% | 13.13% | 1.12% |
| Q1 2024 | 18.55% | 18.55% | 19.80% | 12.85% | 0.84% |
| Q2 2024 | 18.19% | 18.19% | 19.45% | 12.70% | 0.88% |
| Q3 2024 | 18.09% | 18.09% | 19.34% | 12.49% | 1.11% |
| Q4 2024 | 18.34% | 18.34% | 19.60% | 12.48% | 0.97% |
| Q1 2025 | 18.32% | 18.32% | 19.57% | 12.43% | 0.93% |
| Q2 2025 | 18.60% | 18.60% | 19.85% | 13.06% | 1.22% |
| Q3 2025 | 19.59% | 19.59% | 20.85% | 13.07% | 1.30% |
| Q4 2025 | 20.13% | 20.13% | 21.38% | 13.20% | 1.29% |
| Q1 2026 | 20.55% | 20.55% | 21.81% | 13.38% | 1.17% |
| Q2 2026 | 21.34% | 21.34% | 22.59% | 14.57% | 1.46% |
New Millennium Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Millennium Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)