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
Executive Summary
- Strongest standing: net interest margin outperforms 87% of banks under $1B in assets (rank 83 of 629).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 571 of 581).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Unfavorable gap of $27.2M · efficiency ratio beats 22% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |