Side-by-side · Q2 2026 data
Millennium Bank vs First Freedom Bank
Metric by metric
| Measure | Millennium Bank | First Freedom Bank |
|---|---|---|
| TellerScore | 44 | 85 (stronger) |
| Capital cushion | 27 | 75 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 54 (stronger) | 53 |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 4th | 88th |
| Total assets | $780.8M | $817.8M |
| Deposits / shares | $704.3M | $710.0M |
| Capital ratio | 7.70% | 12.45% (stronger) |
| Problem loans | 0.68% | 0.01% (stronger) |
| Net charge-offs | 1.84% | 0.13% (stronger) |
| Return on assets | -0.64% | 1.99% (stronger) |
| Loans ÷ deposits | 84.6% (stronger) | 95.8% |
| Uninsured deposits | 34.4% | 25.0% (stronger) |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | 2.5% |
First Freedom Bank has the higher TellerScore (85 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Millennium Bank leads on 1 and First Freedom Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.