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New Millennium Bank

Fort Lee, NJ · Cert 35151 · NMB Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New Millennium Bank

Fort Lee, NJ · Cert 35151 · NMB Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$899.1MAssets
$783.2MLoans
$761.7MDeposits
$131.3MEquity
Loan mix
95%RE $759.7M5%C&I $38.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $617.3M19%Noninterest $144.4MQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #85 of 151 inst. · $0.7B of $2921.1B

0.6% Bergen
0.2% Queens
0.2% Middlesex
0.3% Gwinnett

Executive Summary

  • Earnings: ROA of 1.31%, up 26 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.58% of loans (+9 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 14.57%, up 152 bps from a year ago.
  • Funding: loans stand at 102.83% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+18 bps YoY

Efficiency Ratio (YTD, annualized)

49.48%-816 bps YoY

Tier 1 Leverage Ratio

14.57%+152 bps YoY

NIM

6.17%Q2 ’246.16%Q2 ’256.09%Q2 ’26+5%+5%

Non-interest income vs. expense

2.01%Q2 ’242.07%Q2 ’251.89%Q2 ’26+1%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.94%0.92%1.05%1.13%1.17%1.19%1.31%+26 bps
Return on Equity7.55%7.63%7.52%8.49%9.03%9.24%8.83%9.47%+99 bps
Net Interest Margin3.07%3.00%3.07%3.28%3.30%3.29%3.16%3.46%+18 bps
Efficiency Ratio56.53%56.21%60.61%57.65%54.75%52.03%51.23%49.48%-816 bps
Non-Interest Burden1.57%1.54%1.74%1.76%1.67%1.58%1.42%1.53%-23 bps
Growth
Asset Growth (YoY)16.76%16.57%12.20%8.95%3.72%4.30%0.08%-4.24%-1,319 bps
Loan Growth (YoY)17.35%13.69%11.25%10.80%5.58%2.06%-0.58%-5.24%-1,604 bps
Deposit Growth (YoY)17.93%17.63%12.46%6.70%2.14%3.40%-1.50%-4.60%-1,130 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.35%0.32%0.49%0.46%0.57%0.48%0.58%+9 bps
Net Charge-Offs / Loans0.13%0.10%-0.05%-0.08%-0.05%0.05%-0.04%-0.06%+2 bps
Allowance / Loans1.24%1.29%1.28%1.26%1.31%1.35%1.39%1.43%+17 bps
Allowance Coverage of NPLs3.4x3.7x3.9x2.6x2.8x2.3x2.9x2.4x-0.1x
Capital
Tier 1 Leverage Ratio12.49%12.48%12.43%13.06%13.07%13.20%13.38%14.57%+152 bps
Total Risk-Based Capital19.34%19.60%19.57%19.85%20.85%21.38%21.81%22.59%+274 bps
Equity / Assets12.14%12.22%12.37%12.60%13.08%13.09%13.82%14.61%+201 bps
Liquidity & Funding
Loans / Deposits99.24%98.42%99.65%103.52%102.58%97.14%100.59%102.83%-69 bps
Liquid Assets / Assets12.44%12.76%12.44%10.90%11.03%15.07%13.15%11.92%+102 bps
CRE / Total Capitaln/an/an/an/a323%329%323%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

New Millennium Bank

Fort Lee, NJ · Cert 35151 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · NMB Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$899.1MAssets
$783.2MLoans
$761.7MDeposits
$131.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 3 of 31).
  • Widest gap: net charge-offs / loans trails 57% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 18 of 30).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.35%

Rank 4 of 31

Net Interest Margin

3.46%

Rank 14 of 31

Efficiency Ratio

49.48%

Rank 3 of 31

Equity / Assets

14.61%

Rank 11 of 31

Non-interest income vs. expense

$3.2M$17.0MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 94% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 49.48%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.35%-0.02%0.39%0.84%Beats 87%4 / 31
Return on Equity9.23%-0.19%2.57%5.72%Beats 90%3 / 31
Net Interest Margin3.46%2.51%3.30%3.85%Beats 55%14 / 31
Efficiency Ratio49.48%68.41%83.66%91.76%Beats 94%3 / 31
Asset Quality
Nonperforming Loans / Loans0.58%0.18%0.47%2.65%Beats 43%18 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 43%18 / 30
Capital
Tier 1 Capital Ratio21.34%13.24%15.54%26.77%Beats 65%11 / 31
Total Risk-Based Capital Ratio22.59%14.07%16.32%26.77%Beats 65%11 / 31
Equity / Assets14.61%10.38%13.26%17.83%Beats 65%11 / 31
Liquidity & Funding
Loans / Deposits102.83%84.03%94.98%103.65%71st pctl9 / 31
Loans / Assets87.11%61.61%75.31%83.78%94th pctl2 / 31
Brokered Deposits / Depositsn/aNot reported for this institution