Side-by-side · Q2 2026 data
First National Bank of Waterloo vs Millennium Bank
Metric by metric
| Measure | First National Bank of Waterloo | Millennium Bank |
|---|---|---|
| TellerScore | 60 (stronger) | 33 |
| Capital cushion | 42 | 44 (stronger) |
| Loan quality | 56 (stronger) | 0 |
| Earnings | 58 (stronger) | 44 |
| Funding & liquidity | 91 (stronger) | 52 |
| Problem-loan coverage | 85 (stronger) | 31 |
| Peer percentile | 19th | 1st |
| Total assets | $929.3M | $844.5M |
| Deposits / shares | $779.6M | $693.2M |
| Capital ratio | 9.21% | 9.41% (stronger) |
| Problem loans | 1.33% (stronger) | 4.37% |
| Net charge-offs | 0.03% (stronger) | 0.24% |
| Return on assets | 0.96% (stronger) | 0.59% |
| Loans ÷ deposits | 69.3% (stronger) | 94.8% |
| Uninsured deposits | 14.0% (stronger) | 26.6% |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
First National Bank of Waterloo has the higher TellerScore (60 vs 33). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Waterloo leads on 6 and Millennium Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.