Side-by-side · Q2 2026 data
Macon Bank and Trust Company vs Millennium Bank
Metric by metric
| Measure | Macon Bank and Trust Company | Millennium Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 44 |
| Capital cushion | 49 (stronger) | 27 |
| Loan quality | 97 (stronger) | 77 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 74 (stronger) | 54 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 53rd | 4th |
| Total assets | $820.5M | $780.8M |
| Deposits / shares | $751.5M | $704.3M |
| Capital ratio | 9.91% (stronger) | 7.70% |
| Problem loans | 0.08% (stronger) | 0.68% |
| Net charge-offs | 0.02% (stronger) | 1.84% |
| Return on assets | 1.13% (stronger) | -0.64% |
| Loans ÷ deposits | 67.8% (stronger) | 84.6% |
| Uninsured deposits | 31.4% (stronger) | 34.4% |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Macon Bank and Trust Company has the higher TellerScore (73 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Macon Bank and Trust Company leads on 7 and Millennium Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.