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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 $0.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $617.3M19%Noninterest $144.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.13%1.17%1.19%1.31%+26 bps
Return on Equity8.49%9.03%9.24%8.83%9.47%+99 bps
Net Interest Margin3.28%3.30%3.29%3.16%3.46%+18 bps
Efficiency Ratio57.65%54.75%52.03%51.23%49.48%-816 bps
Non-Interest Burden1.76%1.67%1.58%1.42%1.53%-23 bps
Growth
Asset Growth (YoY)8.95%3.72%4.30%0.08%-4.24%-1,319 bps
Loan Growth (YoY)10.80%5.58%2.06%-0.58%-5.24%-1,604 bps
Deposit Growth (YoY)6.70%2.14%3.40%-1.50%-4.60%-1,130 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.46%0.57%0.48%0.58%+9 bps
Net Charge-Offs / Loans-0.08%-0.05%0.05%-0.04%-0.06%+2 bps
Allowance / Loans1.26%1.31%1.35%1.39%1.43%+17 bps
Allowance Coverage of NPLs2.6x2.8x2.3x2.9x2.4x-0.1x
Capital
Tier 1 Leverage Ratio13.06%13.07%13.20%13.38%14.57%+152 bps
Total Risk-Based Capital19.85%20.85%21.38%21.81%22.59%+274 bps
Equity / Assets12.60%13.08%13.09%13.82%14.61%+201 bps
Liquidity & Funding
Loans / Deposits103.52%102.58%97.14%100.59%102.83%-69 bps
Liquid Assets / Assets10.90%11.03%15.07%13.15%11.92%+102 bps
CRE / Total Capitaln/a323%329%323%n/an/a