Millennial Bank
Leeds, AL · Cert 34460 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
$201.3MAssets
$163.8MLoans
$183.9MDeposits
$16.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: tier 1 capital ratio trails 94% of banks under $1B in assets (rank 592 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.74%
Rank 435 of 629
Net Interest Margin
4.04%
Rank 164 of 629
Efficiency Ratio
73.53%
Rank 403 of 629
Equity / Assets
7.94%
Rank 556 of 629
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 36% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.60% | 1.01% | 1.45% | Beats 31% | 435 / 629 | | |
| Return on Equity | 9.28% | 5.38% | 9.30% | 13.28% | Beats 49% | 319 / 629 | | |
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 164 / 629 | | |
| Efficiency Ratio | 73.53% | 58.35% | 67.79% | 79.08% | Beats 36% | 403 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 478 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.52% | 11.24% | 13.84% | 18.77% | Beats 6% | 592 / 629 | | |
| Total Risk-Based Capital Ratio | 10.45% | 11.58% | 14.43% | 19.66% | Beats 14% | 544 / 629 | | |
| Equity / Assets | 7.94% | 9.09% | 10.65% | 13.80% | Beats 12% | 556 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.08% | 67.24% | 80.90% | 93.48% | 67th pctl | 198 / 594 | | |
| Loans / Assets | 81.35% | 53.31% | 67.71% | 78.15% | 84th pctl | 100 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |