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Millennium Bank

Des Plaines, IL · Cert 58348 · Millennium Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

51

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

Des Plaines, IL · Cert 58348 · Millennium Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$844.5MAssets
$667.5MLoans
$693.2MDeposits
$79.4MEquity
Loan mix
86%RE $583.0M14%C&I $91.7M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $654.7M6%Noninterest $38.5MQ2 2025Q2 2026

NIM

6.67%Q2 ’246.16%Q2 ’255.90%Q2 ’26-6%+1%

Non-interest income vs. expense

2.64%Q2 ’242.97%Q2 ’252.45%Q2 ’26+72%+13%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #57 of 147 inst. · $0.7B of $630.7B

0.1% Cook
0.2% DuPage

Executive Summary

  • Earnings: ROA of 0.52%, up 2 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 4.37% of loans (+196 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 9.41%, down 32 bps from a year ago.
  • Funding: loans stand at 96.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+4 bps YoY

Efficiency Ratio (YTD, annualized)

68.97%-90 bps YoY

Tier 1 Leverage Ratio

9.41%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.59%0.48%0.54%0.52%+2 bps
Return on Equity4.63%5.64%4.64%5.62%5.45%+82 bps
Net Interest Margin2.86%2.81%2.88%2.88%2.89%+4 bps
Efficiency Ratio69.87%68.76%74.44%68.75%68.97%-90 bps
Non-Interest Burden1.62%1.65%1.95%1.75%1.82%+21 bps
Growth
Asset Growth (YoY)65.17%35.42%23.88%13.54%1.78%-6,340 bps
Loan Growth (YoY)74.89%37.12%35.59%22.01%6.30%-6,859 bps
Deposit Growth (YoY)56.01%56.46%29.02%13.41%5.09%-5,092 bps
Asset Quality
Nonperforming Loans / Loans2.40%2.66%3.89%4.43%4.37%+196 bps
Net Charge-Offs / Loans0.12%0.21%0.16%0.26%0.23%+11 bps
Allowance / Loans1.47%1.45%1.41%1.44%1.54%+7 bps
Allowance Coverage of NPLs0.6x0.5x0.4x0.3x0.4x-0.3x
Capital
Tier 1 Leverage Ratio9.73%9.43%9.79%9.65%9.41%-32 bps
Total Risk-Based Capital13.44%14.08%13.42%12.89%9.41%-403 bps
Equity / Assets9.38%9.85%9.75%9.57%9.40%+2 bps
Liquidity & Funding
Loans / Deposits95.21%89.57%98.02%99.65%96.30%+109 bps
Liquid Assets / Assets14.05%14.10%14.97%14.08%8.83%-523 bps
CRE / Total Capitaln/a552%572%602%n/an/a

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

Des Plaines, IL · Cert 58348 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Millennium Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$844.5MAssets
$667.5MLoans
$693.2MDeposits
$79.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 51% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 57).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 57).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.51%

Rank 42 of 57

Net Interest Margin

2.89%

Rank 46 of 57

Efficiency Ratio

69.70%

Rank 29 of 57

Equity / Assets

9.40%

Rank 42 of 57

Non-interest income vs. expense

$5.1M$20.2MINCOMEEXPENSE
Unfavorable gap of $15.1M · efficiency ratio beats 51% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 69.70%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.51%0.84%1.19%Beats 26%42 / 57
Return on Equity5.46%3.13%7.76%11.40%Beats 42%33 / 57
Net Interest Margin2.89%3.16%3.63%4.08%Beats 19%46 / 57
Efficiency Ratio69.70%59.57%69.70%81.06%Beats 51%29 / 57
Asset Quality
Nonperforming Loans / Loans4.37%0.06%0.34%1.78%Beats 7%53 / 56
Net Charge-Offs / Loans0.12%n/a0.00%0.01%Beats 9%52 / 56
Capital
Tier 1 Capital Ratio9.41%12.24%16.06%19.69%Beats 2%56 / 57
Total Risk-Based Capital Ratio9.41%12.54%16.50%20.95%Beats 2%56 / 57
Equity / Assets9.40%9.37%11.56%15.00%Beats 26%42 / 57
Liquidity & Funding
Loans / Deposits96.30%66.29%85.59%95.16%77th pctl13 / 57
Loans / Assets79.05%57.07%71.07%78.13%79th pctl12 / 57
Brokered Deposits / Depositsn/aNot reported for this institution