Side-by-side · Q2 2026 data
First National Community Bank vs Millennium Bank
Metric by metric
| Measure | First National Community Bank | Millennium Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 44 |
| Capital cushion | 79 (stronger) | 27 |
| Loan quality | 86 (stronger) | 77 |
| Earnings | 96 (stronger) | 0 |
| Funding & liquidity | 64 (stronger) | 54 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 86th | 4th |
| Total assets | $754.7M | $780.8M |
| Deposits / shares | $653.2M | $704.3M |
| Capital ratio | 12.92% (stronger) | 7.70% |
| Problem loans | 0.43% (stronger) | 0.68% |
| Net charge-offs | -0.01% (stronger) | 1.84% |
| Return on assets | 1.90% (stronger) | -0.64% |
| Loans ÷ deposits | 81.6% (stronger) | 84.6% |
| Uninsured deposits | 28.2% (stronger) | 34.4% |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 12.1% |
First National Community Bank has the higher TellerScore (84 vs 44). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 7 and Millennium Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.