Side-by-side · Q2 2026 data
Carroll Bank and Trust vs Millennium Bank
Metric by metric
| Measure | Carroll Bank and Trust | Millennium Bank |
|---|---|---|
| TellerScore | 52 (stronger) | 44 |
| Capital cushion | 32 (stronger) | 27 |
| Loan quality | 55 | 77 (stronger) |
| Earnings | 55 (stronger) | 0 |
| Funding & liquidity | 65 (stronger) | 54 |
| Problem-loan coverage | 75 | 87 (stronger) |
| Peer percentile | 8th | 4th |
| Total assets | $662.1M | $780.8M |
| Deposits / shares | $605.5M | $704.3M |
| Capital ratio | 8.25% (stronger) | 7.70% |
| Problem loans | 1.36% | 0.68% (stronger) |
| Net charge-offs | 0.10% (stronger) | 1.84% |
| Return on assets | 0.89% (stronger) | -0.64% |
| Loans ÷ deposits | 82.2% (stronger) | 84.6% |
| Uninsured deposits | 26.8% (stronger) | 34.4% |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 12.1% |
Carroll Bank and Trust has the higher TellerScore (52 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Carroll Bank and Trust leads on 6 and Millennium Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.