PackageTrendsPeer
Letter portraitLegal landscape

Millennium Bank

Ooltewah, TN · Cert 35138 · Millennium Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

12

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Millennium Bank

Ooltewah, TN · Cert 35138 · Millennium Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$780.8MAssets
$603.5MLoans
$704.3MDeposits
$67.0MEquity
Loan mix
87%RE $532.9M12%C&I $76.3M1%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $527.5M25%Noninterest $176.8MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

-0.64%-122 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+21 bps YoY

Efficiency Ratio (YTD, annualized)

81.37%+124 bps YoY

Tier 1 Leverage Ratio

7.70%-252 bps YoY

NIM

5.93%Q2 ’245.89%Q2 ’255.92%Q2 ’26+5%+5%

Non-interest income vs. expense

2.61%Q2 ’243.47%Q2 ’253.70%Q2 ’26+40%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.19%1.23%1.12%0.58%0.64%0.72%0.51%-0.64%-122 bps
Net Interest Margin3.98%4.11%4.20%4.18%4.13%3.15%4.24%4.39%+21 bps
Non-Interest Burden2.36%2.42%2.66%3.30%3.19%2.40%3.36%3.49%+19 bps
Loan Growth (YoY)4.23%-0.98%-1.89%-5.12%-2.27%42.40%45.76%47.91%+5,302 bps
Nonperforming Loans / Loans0.23%0.31%0.30%3.70%3.49%1.97%1.89%0.68%-302 bps
Allowance / Loans1.11%1.13%1.19%1.20%1.19%1.23%1.26%1.23%+3 bps
Tier 1 Leverage Ratio10.50%11.05%10.52%10.21%10.26%8.13%8.33%7.70%-252 bps
Equity / Assets10.75%11.12%10.57%10.13%10.64%9.23%9.21%8.58%-155 bps
Liquid Assets / Assets11.47%9.50%12.40%14.26%9.19%9.79%8.03%9.24%-502 bps

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Millennium Bank

Ooltewah, TN · Cert 35138 · Peer group: banks under $1B in assets (n=581-629) · Millennium Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$780.8MAssets
$603.5MLoans
$704.3MDeposits
$67.0MEquity

Return on Assets

-0.64%

Rank 596 of 629

Net Interest Margin

4.39%

Rank 83 of 629

Efficiency Ratio

81.37%

Rank 492 of 629

Equity / Assets

8.58%

Rank 515 of 629

Non-interest income vs. expense

$1.7M$28.9MINCOMEEXPENSE
Unfavorable gap of $27.2M · efficiency ratio beats 22% of banks under $1B in assets
Bank 81.37%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-0.64%0.60%1.01%1.45%Beats 5%596 / 629
Net Interest Margin4.39%3.03%3.54%4.05%Beats 87%83 / 629
Nonperforming Loans / Loans0.68%0.09%0.46%1.20%Beats 40%352 / 581
Tier 1 Capital Ratio9.22%11.24%13.84%18.77%Beats 3%607 / 629
Equity / Assets8.58%9.09%10.65%13.80%Beats 18%515 / 629
Loans / Assets77.29%53.31%67.71%78.15%73rd pctl172 / 629