Ooltewah, TN · Cert 35138 · Millennium Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
12
Asset Quality
21
Profitability
32
Liquidity
78
Efficiency
22
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.
Ooltewah, TN · Cert 35138 · Millennium Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.4% share · #14 of 30 inst. · $0.2B of $15.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.23% | 1.12% | 0.58% | 0.64% | 0.72% | 0.51% | -0.64% | -122 bps | |
| Return on Equity | 11.50% | 11.73% | 10.37% | 5.51% | 5.98% | 7.07% | 5.50% | -7.07% | -1,259 bps | |
| Net Interest Margin | 3.98% | 4.11% | 4.20% | 4.18% | 4.13% | 3.15% | 4.24% | 4.39% | +21 bps | |
| Efficiency Ratio | 61.83% | 61.35% | 65.14% | 80.13% | 78.63% | 78.05% | 81.33% | 81.37% | +124 bps | |
| Non-Interest Burden | 2.36% | 2.42% | 2.66% | 3.30% | 3.19% | 2.40% | 3.36% | 3.49% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.91% | -4.30% | 2.16% | -0.35% | -1.86% | 54.53% | 49.54% | 48.40% | +4,875 bps | |
| Loan Growth (YoY) | 4.23% | -0.98% | -1.89% | -5.12% | -2.27% | 42.40% | 45.76% | 47.91% | +5,302 bps | |
| Deposit Growth (YoY) | 4.85% | -1.67% | 4.11% | -0.95% | -2.18% | 57.22% | 51.22% | 51.38% | +5,233 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.31% | 0.30% | 3.70% | 3.49% | 1.97% | 1.89% | 0.68% | -302 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.17% | -0.09% | 0.09% | 0.02% | 0.01% | 0.00% | 1.86% | +177 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.19% | 1.20% | 1.19% | 1.23% | 1.26% | 1.23% | +3 bps | |
| Allowance Coverage of NPLs | 4.8x | 3.7x | 4.0x | 0.3x | 0.3x | 0.6x | 0.7x | 1.8x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 11.05% | 10.52% | 10.21% | 10.26% | 8.13% | 8.33% | 7.70% | -252 bps | |
| Total Risk-Based Capital | 10.50% | 11.05% | 10.52% | 10.21% | 10.26% | 11.45% | 11.25% | 10.46% | +24 bps | |
| Equity / Assets | 10.75% | 11.12% | 10.57% | 10.13% | 10.64% | 9.23% | 9.21% | 8.58% | -155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.63% | 94.24% | 90.79% | 87.70% | 91.54% | 85.36% | 87.51% | 85.69% | -201 bps | |
| Liquid Assets / Assets | 11.47% | 9.50% | 12.40% | 14.26% | 9.19% | 9.79% | 8.03% | 9.24% | -502 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 498% | 565% | 575% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.64% | 0.60% | 1.01% | 1.45% | Beats 5% | 596 / 629 | ||
| Return on Equity | -7.49% | 5.38% | 9.30% | 13.28% | Beats 4% | 602 / 629 | ||
| Net Interest Margin | 4.39% | 3.03% | 3.54% | 4.05% | Beats 87% | 83 / 629 | ||
| Efficiency Ratio | 81.37% | 58.35% | 67.79% | 79.08% | Beats 22% | 492 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.46% | 1.20% | Beats 40% | 352 / 581 | ||
| Net Charge-Offs / Loans | 0.94% | n/a | 0.01% | 0.06% | Beats 2% | 571 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.22% | 11.24% | 13.84% | 18.77% | Beats 3% | 607 / 629 | ||
| Total Risk-Based Capital Ratio | 10.46% | 11.58% | 14.43% | 19.66% | Beats 14% | 543 / 629 | ||
| Equity / Assets | 8.58% | 9.09% | 10.65% | 13.80% | Beats 18% | 515 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.69% | 67.24% | 80.90% | 93.48% | 59th pctl | 241 / 594 | ||
| Loans / Assets | 77.29% | 53.31% | 67.71% | 78.15% | 73rd pctl | 172 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||