# NEW MILLENNIUM BANK
FORT LEE, NJ · FDIC certificate 35151 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $899.1M | |
| Deposits | $761.7M | |
| Loans and leases | $783.2M | |
| Total equity | $131.3M | |
| Loans / deposits | 101.35% (p91 of band) | 82.04% |
| Liquid assets / assets | 12.53% (p10 of band) | |
| Uninsured deposits / deposits | 29.28% (p63 of band) | 25.97% |
| Brokered deposits | 5.57% | |
| Wholesale funding | 5.57% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.57% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -0.06% (p96 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | 1.31% (p52 of band) | 1.28% |
| Net interest margin | 3.42% (p24 of band) | 3.91% |
| Efficiency ratio | 49.48% (p17 of band) | |
| Noncurrent loans | 0.58% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 244.78% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 6.53% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 5 |  | construction >100% equity |
| 2011-12 | 9 | leverage <5%, capital falling, construction >100% equity |  |
| 2012-03 | 10 | assets shrinking |  |
| 2012-06 | 10 | deposits shrinking | capital falling |
| 2012-09 | 10 | uninsured deposits leaving | construction >100% equity |
| 2012-12 | 12 | capital falling, construction >100% equity |  |
| 2013-03 | 10 |  | uninsured deposits leaving, construction >100% equity |
| 2013-06 | 10 |  |  |
| 2013-09 | 10 | charge-offs p90 | deposits shrinking |
| 2013-12 | 10 |  |  |
| 2014-03 | 8 | deposits shrinking, uninsured deposits leaving | losing money, expense ratio p90, capital falling, charge-offs p90 |
| 2014-06 | 4 | losing money, expense ratio p90 | leverage <7%, noncurrent p90, leverage <5%, assets shrinking, uninsured deposits leaving |
| 2014-09 | 5 | charge-offs p90 |  |
| 2014-12 | 4 | capital falling | deposits shrinking, charge-offs p90 |
| 2015-03 | 2 |  | losing money, expense ratio p90 |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2017-06 | 1 | charge-offs p90 | reserve under noncurrent, deposits shrinking |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | deposits shrinking, assets shrinking |  |
| 2020-03 | 5 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |  |
| 2020-06 | 2 |  | assets shrinking, loans exceed deposits, liquid assets <10% |
| 2020-09 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 3 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |  |
| 2024-03 | 0 |  | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | loans exceed deposits, brokered >10% | capital falling |
| 2025-09 | 1 |  | brokered >10% |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-02 [450-Unit High-Rise Proposed for Former New Millennium Bank Site in Downtown New Brunswick - Jersey Digs](https://news.google.com/rss/articles/CBMic0FVX3lxTE9jSEdGcUdrQnkxRFFjWWZZRDZENEY1SW8wQlVaZlVucXJPRW1CQU9QUklKOHdFRXFMX2p1VEpxYzRBSDdNYnVkSXA5bUgxSGxaak5FU0NDb0VMWmlETFU5b0M0ZGNSdW43Q3Y2QmFTNTVrRmM?oc=5) · Jersey Digs
- 2026-02-13 [Worst Credit Cards Deals - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMibkFVX3lxTE5KWFpoc3FicWJ0RUlXOVZqODJtdzR4Wm1KU2IzWC1jamktbVhvVkNLVUxHSEEtcXhzdDlCZXBFMnlTVmM1eTlEWnhERkNfS05WcXhYblZLTE5sS1F5ZnExc0Rha1FpVXppUVJFZGl30gFzQVVfeXFMUC1Nb1FoQlZLZzFHS1lHdEZZX2RGLXFPZjRCa3hCUml6b05pTFQxUGlzUlE1dUNvaFFzUy01WVBJaFAwWW04OGFfVGhYMGk2VjJtbjVYZGtmM2dqZ3NJemI3eWZnM0RCYzhMMnBFUGRSd2tuQQ?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2018-05-21 [Banks are sitting ducks for ADA lawsuits - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVGJ0SG9zWGxKZTE0WWkwQlZGTzFXQ2FWOEY2cXZHcGlJeUw4Ukd1RVlTOHpMQng2NzJaajNqbjRlZnYyUG5RdWhZN0dkdzJUNGhDUXZOell4UGo1dzdEVENPeWV6WVhnVFBmNTdnbEZ3eDM1dTc3TFAxbm5PeGl0SWdB?oc=5) · American Banker
- 2021-12-06 [List family discovered murdered in Westfield: This week in Central Jersey history, Dec. 6-12 - Central New Jersey News](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTXdBTi1yenFFMlRpSjFOT0RuTWJBek1VazNsUUxtXzU3YndfTVp2NlJOR2ZXZmQtZXR6b0NsbVNaUE5GX29aeENIa0p3MTBIc0otdFpnS0s2eVhCRDdfOTdiUHViamNDZURSNnVGS0NSelpTUlNGS3pIUkJjaGZDOXZrSmJERDZBdDI1X2dicmxXdGN6eHdhZGJmX1lUc3p5aFlDazM2OG44bWVPaUE?oc=5) · Central New Jersey News
- 2020-05-05 [Walter Robert Darr Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQdWx2T3RiYXY1TDFaWGVjSmNwRHZaMEl4a0l6OVpjU0hjZDAzMzhlVWhfOFZpX0ZSOVRCUnhPSVFiYVFPQU9ILUlwZDdlZDVxNDVBWnl1TEVlN1dNN3pmVFM5REk0VXNqQjk3TUMxb0w5cmlkSjF5eExFWm5RRlhqcDVuLVFjQWFRbXZndVZZVHNEM2ZrbE1IazNTTldOSEZiLVBFcVBBbDRhRXBTeUhOSl9NSGJrc3ludGRJekJPaENRWDhLMkVwNWhZZkxJUEM0eC00S20yZkpfVjFydk9UdDlHY29Tc1NrNFg4WTV2aFE4dw?oc=5) · 24-7 Press Release Newswire
- 2012-07-16 [New Brunswick Tax Preparer Gets 27 Months For Elaborate Check Fraud Scheme - New Brunswick Today](https://news.google.com/rss/articles/CBMiswFBVV95cUxQRS1wTjM4RmxIYm5GRktTRzBneEUzTlBnRWlBNVZpbUxFUVNqQTM1d0tqYjhWdlZJbHF5MjE5SFZhbUdrUHNpS0UwNE5RanRGbTlaWFRKYlFhdThFeDB0dndVZ284WjZXRHZIM0Nza1ZSNFowMHpKbTExTlZKNk1zdXpBeVNPakl2TEdKV2dvM2s4WnUta1FQUndHRTYwWVdvV0ZoRFFsclJOVXE2WTdCREZxUQ?oc=5) · New Brunswick Today
- 2012-01-21 [Mayo Sisler Obituary (2012) - Newark, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZ1h5MGs3UWh4dFV2RWh3SElUSE5FVTVmZnRiUmZXLUViTlEtWTg1MlowZDdTUEtBdkx3aWpDZnNoSXlJVWZwLXhlSGtLa1Z3OVhNWXJiRlBUSmVkTk42cWRKTmNObDdFVU51S2lJMHM1VE00TkNUNGNKYmxaMDF1SmJrVUltYmFsbnlR?oc=5) · obits.nj.com
- 2022-12-30 [Myron A. "Bucky" Pollard III - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOMFFrR0wzd2xLWlZiSHdKckNDUDB6V3RDWFVuRmZ4bFBxLVdhblNNZ2ZhMnJGSVVqbFpOUGRTcHEtNWZwSWc0OGxaTzVvSnUzODJIbDI0LVd2UFFPT3VaYnNfLUVuSG96Tzk4dnVrQmRvUTViLS1TVWg0cEFQMWpzM3Z3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35151 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "35151", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide