Side-by-side · Q2 2026 data
New Millennium Bank vs Freedom Bank
Metric by metric
| Measure | New Millennium Bank | Freedom Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 63 |
| Capital cushion | 96 (stronger) | 48 |
| Loan quality | 81 | 91 (stronger) |
| Earnings | 72 (stronger) | 55 |
| Funding & liquidity | 43 (stronger) | 33 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 75th | 24th |
| Total assets | $899.1M | $838.3M |
| Deposits / shares | $761.7M | $711.5M |
| Capital ratio | 14.57% (stronger) | 9.78% |
| Problem loans | 0.58% | 0.28% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.31% (stronger) | 0.89% |
| Loans ÷ deposits | 101.4% (stronger) | 103.0% |
| Uninsured deposits | 29.3% (stronger) | 36.4% |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
New Millennium Bank has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), New Millennium Bank leads on 6 and Freedom Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.