TellerScore

New Millennium Bank is a state-chartered bank headquartered in Fort Lee, New Jersey, in business for about 27 years. At the end of Q2 2026 it reported $899.1M in total assets and $761.7M in deposits, with 9 offices across 3 states.

New Millennium Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 8th. Capital cushion contributes the most (96/100, 14.57%); funding & liquidity contributes the least (43/100, 101% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Tier 1 leverage ratio: 14.57%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 101.4% · 29.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (74 → 79), mostly because the capital cushion component improved by 15 points.

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202474
Q1 202573
Q2 202574
Q3 202575
Q4 202575
Q1 202676
Q2 202679
Tier 1 leverage ratio
5.00%9.79%14.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.70%
Q3 202412.49%
Q4 202412.48%
Q1 202512.43%
Q2 202513.06%
Q3 202513.07%
Q4 202513.20%
Q1 202613.38%
Q2 202614.57%
Noncurrent loans
0.32%0.45%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.36%
Q4 20240.35%
Q1 20250.32%
Q2 20250.49%
Q3 20250.46%
Q4 20250.57%
Q1 20260.48%
Q2 20260.58%
Return on assets
0.85%1.08%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.94%
Q4 20240.94%
Q1 20250.92%
Q2 20251.05%
Q3 20251.13%
Q4 20251.17%
Q1 20261.19%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$899.1M14.57%0.58%1.31%101.4%
Q1 202676$924.7M13.38%0.48%1.19%99.2%
Q4 202575$953.0M13.20%0.57%1.17%95.8%
Q3 202575$928.7M13.07%0.46%1.13%101.2%
Q2 202574$938.9M13.06%0.49%1.05%102.2%
Q1 202573$923.9M12.43%0.32%0.92%98.4%
Q4 202474$913.7M12.48%0.35%0.94%97.1%
Q3 202473$895.4M12.49%0.36%0.94%98.0%
Q2 202471$861.8M12.70%0.55%0.85%98.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.57%
85th
Total risk-based capital22.59%
90th
Problem loans0.58%
42nd
Net charge-offs-0.06%
96th
Return on assets1.31%
54th
Net interest margin3.42%
24th
Efficiency ratio49.5%
84th
Loans to deposits101.4%
8th
Uninsured deposits29.3%
31st
Loan-loss reserves1.43%
74th
Texas ratio3.2%
46th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Newfield National BankBank Newfield, NJ72 out of 100, Strong$889.1M10.1%0.02%vs
Bogota Savings BankBank Teaneck, NJ50 out of 100, Below average$871.8M15.5%4.30%vs
Freedom BankBank Maywood, NJ63 out of 100, Moderate$838.3M9.8%0.28%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
Haven Savings BankBank Hoboken, NJ53 out of 100, Below average$986.9M8.7%0.40%vs
Cenlar FSBBank Ewing, NJ71 out of 100, Strong$782.0M16.6%0.21%vs

Deposit insurance

Is my money safe at New Millennium Bank?

Yes. New Millennium Bank is an FDIC-insured institution (FDIC certificate #35151). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.3% of deposits ($223.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.59% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

New Millennium Bank lists 9 offices in 8 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
New Millennium Bank
Type
State-chartered bank
FDIC certificate #
35151
RSSD ID
2833882
Primary regulator
FDIC
Holding company
Nmb Financial Corp
Established
July 19, 1999
Headquarters
222 Bridge Plz S, Fort Lee, NJ 07024
Employees
68

Quick answers

New Millennium Bank: common questions

Is New Millennium Bank FDIC insured?

Yes. New Millennium Bank is an FDIC-insured institution (FDIC certificate #35151). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is New Millennium Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has New Millennium Bank ever failed?

There is no failure record for FDIC certificate #35151 in the FDIC failed bank list.

How many branches does New Millennium Bank have?

9 offices as of the latest FDIC data, in 3 states.

Nearby

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