Side-by-side · Q2 2026 data
Millennial Bank vs First Cahawba Bank
Metric by metric
| Measure | Millennial Bank | First Cahawba Bank |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 38 | 58 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 50 | 65 (stronger) |
| Funding & liquidity | 51 | 62 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 26th | 57th |
| Total assets | $201.3M | $205.7M |
| Deposits / shares | $183.9M | $186.6M |
| Capital ratio | 8.78% | 10.81% (stronger) |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.20% | -0.05% (stronger) |
| Return on assets | 0.75% | 1.13% (stronger) |
| Loans ÷ deposits | 88.1% | 78.7% (stronger) |
| Uninsured deposits | 34.3% | 33.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
First Cahawba Bank has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Millennial Bank leads on 1 and First Cahawba Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.