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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

New Millennium Bank

Fort Lee, New Jersey · $899M in assets · beside the 11 other New Jersey banks between $300M and $1B

The filing

49.5%
Efficiency
2nd of 12
0.58%
NPA / loans
10th of 12
1.35%
ROA
3rd of 12

New Millennium Bank is the second largest of the 12 New Jersey banks nearest its size between $300M and $1B, with $899M in assets at 30 June 2026. Loans are 102.8% of deposits, 9th of 12 against a median of 87.5%, and equity is 14.6% of assets, 5th of 12. Loans grew -5.2% in the year, 9th of 12, and deposits fell 4.6%; the cohort's median loan growth is +1.5%.

Noncurrent loans are 0.58% of the book, 10th of 12 against a median of 0.23%; 0.10% is 30 to 89 days past due, and the allowance covers them 2.4 times. Commercial real estate is 29.7% of loans, 5th of 12 against a median of 35.8%, and 168% of capital, below the 300% screen, with construction at 6% against the 100% screen.

Return on assets is 1.35%, 3rd of 12 against a median of 0.60%, on an efficiency ratio of 49.5%, 2nd of 12. Five years ago it was 1.17%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 75.9% CB Crown Bank 44.9% NM New Millennium Bank 49.5% CS Century Savings Bank 53.3% HB Hana Bank USA National Association 55.5% FB Freedom Bank 63.1% NN Newfield National Bank 73.5% FH First Hope Bank A National Bank Association 78.3% CS Crest Savings Bank 81.0% BS Bogota Savings Bank 82.2% CF Cenlar FSB 104.2% HS Haddon Savings Bank 106.8% HS Haven Savings Bank 116.0%
Loans, year over yearNJ banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.5% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% FH First Hope Bank A National Bank Association +6.0% CS Century Savings Bank +4.1% NN Newfield National Bank +2.5% CB Crown Bank +0.5% CS Crest Savings Bank -1.3% NM New Millennium Bank -5.2% HS Haven Savings Bank -6.0% BS Bogota Savings Bank -8.0% CF Cenlar FSB -12.2%

SBA 7(a), FY2008 to FY2026

New Millennium Bank is the 16th largest 7(a) lender into New York of 402, with $272M across 340 loans, 1.4% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 73 of its 122 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bergen, NJ$84M5th of 1614.7%-1.0 pts
Queens, NY$53M7th of 1552.8%+0.3 pts
New York, NY$46M13th of 2081.6%-1.1 pts
Nassau, NY$38M10th of 1712.2%+0.3 pts
Kings, NY$34M20th of 1691.3%-1.1 pts
Bronx, NY$24M6th of 1083.6%-5.4 pts
Fulton, GA$22M35th of 2110.7%-1.7 pts
Suffolk, NY$20M24th of 1741.1%-0.4 pts
Westchester, NY$20M13th of 1522.1%+0.2 pts
Essex, NJ$19M12th of 1382.1%thin
Snohomish, WA$17M26th of 1271.1%-0.3 pts
Union, NJ$16M14th of 1401.9%-1.4 pts
Hamilton, TN$15M7th of 1063.3%quiet FY2020
109 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services246$301M40.5%0.39%62nd of 2,596
Other services297$187M25.1%0.53%42nd of 2,248
Retail trade156$147M19.7%0.24%81st of 2,589
Health care & social assistance28$26M3.4%0.05%220th of 2,172
Wholesale trade34$25M3.3%0.10%162nd of 1,651
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and New Millennium Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans NM New Millennium Bank 1.4% $272M · 340 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
New Millennium BankRankCohort median
Total CRE against capital, the 300% screen168%6th of 12171%
Construction against capital, the 100% screen6%3rd of 1222%
Construction and land development, share of loans1.1%3rd of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans28.3%8th of 1222.6%
Total CRE, the guidance definition, share of loans29.7%5th of 1235.8%
CRE growth over 36 months, the third prong+38.6%8th of 11+23.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Haven Savings Bank$987M-0.4%116.0%0.40%0.04%0.8%90.8%8.8%
New Millennium Bank$899M1.3%49.5%0.58%-0.06%1.4%102.8%14.6%
Newfield National Bank$889M0.7%73.5%0.02%0.00%1.3%59.1%7.7%
Bogota Savings Bank$872M0.3%82.2%4.30%0.00%0.4%110.8%15.2%
Freedom Bank$838M0.9%63.1%0.28%0.00%0.6%103.6%9.9%
Hana Bank USA National Association$835M2.8%55.5%0.00%-0.04%0.8%87.5%26.9%
Cenlar FSB$782M-1.3%104.2%0.21%0.00%0.0%45.7%17.8%
First Hope Bank A National Bank Association$657M0.8%78.3%0.00%0.02%1.3%75.5%9.4%
Century Savings Bank$635M0.5%53.3%0.00%-0.01%1.5%68.8%10.1%
Crown Bank$614M2.3%44.9%5.77%0.00%0.9%122.4%26.7%
Crest Savings Bank$594M0.4%81.0%0.01%0.00%0.7%87.5%8.6%
Haddon Savings Bank$421M-0.1%106.8%0.24%-0.02%0.5%75.9%5.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
New Millennium BankCohort median
20212026Change20212026Change
Loans$383M$783M+104%$410M$489M+19%
Deposits$468M$762M+63%$517M$582M+12%
NPA / loans0.31%0.58%+0.28 pts0.34%0.23%-0.11 pts
Efficiency55.4%49.5%-5.9 pts75.8%75.9%+0.1 pts
ROA1.17%1.35%+0.18 pts0.55%0.60%+0.05 pts

This read was prepared for New Millennium Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on New Millennium Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $300M to $1B
Institution WWW.NMBONLINE.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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