BlastPoint's Banking Scorecard
New Millennium Bank
Community
Specialty: Commercial
NJ
FDIC cert 35151
Fort Lee, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
New Millennium Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.88% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13% in Community
- - Liquidity Overhang: Bottom 18% in Community
- - Liquidity Strain: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$953.0M
+4.3% YoY
+2.6% QoQ
|
-$438.4M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$788.0M
+2.0% YoY
-2.1% QoQ
|
-$187.5M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$822.2M
+3.4% YoY
+3.4% QoQ
|
-$342.4M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.17%
+24.0% YoY
+3.2% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.39%
+5.8% YoY
+0.6% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
52.03%
-7.5% YoY
-5.0% QoQ
|
-10.61% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.58%
+63.0% YoY
+23.9% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
95.83%
-1.4% YoY
-5.3% QoQ
|
+12.77% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
17.92%
-4.3% YoY
-0.2% QoQ
|
-3.12% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.48%
+59.4% YoY
+18.2% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
20.13%
+9.7% YoY
+2.7% QoQ
|
+9.88% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.26%
-18.6% YoY
+16.2% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
20.13%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Risk Growth
risk
#82 of 642 · Bottom 13% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#49 of 268 · Bottom 18% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.13%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
95.83%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#104 of 513 · Bottom 20% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.83%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 20.13% · Tier avg: 10.24%
80
80th pctile
Efficiency Ratio
Current: 52.03% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.83% · Tier avg: 83.06%
56
56th pctile
Total Loans
Current: $788.0M · Tier avg: $975.5M
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
49
49th pctile
Total Deposits
Current: $822.2M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $953.0M · Tier avg: $1.4B
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 21.05%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 21.05%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
47
47th pctile
Total Assets
Current: $953.0M · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $822.2M · Tier avg: $1.2B
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
56
56th pctile
Total Loans
Current: $788.0M · Tier avg: $975.5M
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.83% · Tier avg: 83.06%
80
80th pctile
Efficiency Ratio
Current: 52.03% · Tier avg: 62.63%
93
93th pctile
Tier 1 Capital Ratio
Current: 20.13% · Tier avg: 10.24%