Side-by-side · Q2 2026 data
First Century Bank vs Millennium Bank
Metric by metric
| Measure | First Century Bank | Millennium Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 44 |
| Capital cushion | 44 (stronger) | 27 |
| Loan quality | 98 (stronger) | 77 |
| Earnings | 88 (stronger) | 0 |
| Funding & liquidity | 55 (stronger) | 54 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 53rd | 4th |
| Total assets | $809.8M | $780.8M |
| Deposits / shares | $722.3M | $704.3M |
| Capital ratio | 9.44% (stronger) | 7.70% |
| Problem loans | 0.07% (stronger) | 0.68% |
| Net charge-offs | 0.01% (stronger) | 1.84% |
| Return on assets | 1.69% (stronger) | -0.64% |
| Loans ÷ deposits | 96.9% | 84.6% (stronger) |
| Uninsured deposits | 22.7% (stronger) | 34.4% |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
First Century Bank has the higher TellerScore (73 vs 44). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank leads on 6 and Millennium Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.