Des Plaines, IL · Cert 58348 · Millennium Bcorp Inc.
State charter, non-member · FDIC · 3 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 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.
Capital
10
Asset Quality
8
Profitability
29
Liquidity
57
Efficiency
51
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.
Des Plaines, IL · Cert 58348 · Millennium Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #57 of 147 inst. · $0.7B of $630.7B
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 | 1.00% | 1.15% | 1.57% | 0.50% | 0.59% | 0.48% | 0.54% | 0.52% | +2 bps | |
| Return on Equity | 6.89% | 8.25% | 13.61% | 4.63% | 5.64% | 4.64% | 5.62% | 5.45% | +82 bps | |
| Net Interest Margin | 2.96% | 2.68% | 2.99% | 2.86% | 2.81% | 2.88% | 2.88% | 2.89% | +4 bps | |
| Efficiency Ratio | 56.29% | 57.79% | 52.80% | 69.87% | 68.76% | 74.44% | 68.75% | 68.97% | -90 bps | |
| Non-Interest Burden | 0.99% | 0.90% | 0.48% | 1.62% | 1.65% | 1.95% | 1.75% | 1.82% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.71% | 34.85% | 49.83% | 65.17% | 35.42% | 23.88% | 13.54% | 1.78% | -6,340 bps | |
| Loan Growth (YoY) | 50.77% | 48.69% | 61.86% | 74.89% | 37.12% | 35.59% | 22.01% | 6.30% | -6,859 bps | |
| Deposit Growth (YoY) | 24.78% | 27.12% | 45.22% | 56.01% | 56.46% | 29.02% | 13.41% | 5.09% | -5,092 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.57% | 1.91% | 2.16% | 2.40% | 2.66% | 3.89% | 4.43% | 4.37% | +196 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.13% | 0.00% | 0.12% | 0.21% | 0.16% | 0.26% | 0.23% | +11 bps | |
| Allowance / Loans | 1.67% | 1.54% | 1.47% | 1.47% | 1.45% | 1.41% | 1.44% | 1.54% | +7 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.8x | 0.7x | 0.6x | 0.5x | 0.4x | 0.3x | 0.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.37% | 12.57% | 11.26% | 9.73% | 9.43% | 9.79% | 9.65% | 9.41% | -32 bps | |
| Total Risk-Based Capital | 18.84% | 17.56% | 15.88% | 13.44% | 14.08% | 13.42% | 12.89% | 9.41% | -403 bps | |
| Equity / Assets | 12.81% | 12.00% | 11.15% | 9.38% | 9.85% | 9.75% | 9.57% | 9.40% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.20% | 93.28% | 92.62% | 95.21% | 89.57% | 98.02% | 99.65% | 96.30% | +109 bps | |
| Liquid Assets / Assets | 15.14% | 14.92% | 14.10% | 14.05% | 14.10% | 14.97% | 14.08% | 8.83% | -523 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 552% | 572% | 602% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.51% | 0.84% | 1.19% | Beats 26% | 42 / 57 | ||
| Return on Equity | 5.46% | 3.13% | 7.76% | 11.40% | Beats 42% | 33 / 57 | ||
| Net Interest Margin | 2.89% | 3.16% | 3.63% | 4.08% | Beats 19% | 46 / 57 | ||
| Efficiency Ratio | 69.70% | 59.57% | 69.70% | 81.06% | Beats 51% | 29 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.37% | 0.06% | 0.34% | 1.78% | Beats 7% | 53 / 56 | ||
| Net Charge-Offs / Loans | 0.12% | n/a | 0.00% | 0.01% | Beats 9% | 52 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.41% | 12.24% | 16.06% | 19.69% | Beats 2% | 56 / 57 | ||
| Total Risk-Based Capital Ratio | 9.41% | 12.54% | 16.50% | 20.95% | Beats 2% | 56 / 57 | ||
| Equity / Assets | 9.40% | 9.37% | 11.56% | 15.00% | Beats 26% | 42 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.30% | 66.29% | 85.59% | 95.16% | 77th pctl | 13 / 57 | ||
| Loans / Assets | 79.05% | 57.07% | 71.07% | 78.13% | 79th pctl | 12 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||